The costs of the mortgage cancellation in the registry are:
- AJD (Documented Legal Acts): Exempt since 2018 for mortgage cancellations. You do not have to pay this tax.
- Notarial fees: Regulated by tariff. For a mortgage between 100,000 and 200,000 euros, notarial fees usually range between 90 and 150 euros.
- Property Registry: Between 24 and 90 euros, depending on the mortgage capital.
- Management costs: If you contract the management with the bank, it may charge between 300 and 1,000 euros. With Notaría Online, the process is more economical.
In total, the cost of canceling the mortgage on your own (without using the bank's agency) usually ranges between 150 and 350 euros.