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Cancelación hipoteca

How Much Does It Cost to Cancel a Mortgage Before a Notary?

Notaría Online
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How Much Does It Cost to Cancel a Mortgage Before a Notary?

A common question when you finish paying off the mortgage is: how much will it cost me to cancel it in the Registry? Here we provide a complete breakdown of all the expenses involved in the process.

Cost Items in Mortgage Cancellation

Concept Approximate Cost Notes
Notarial deed of cancellation 90 € – 200 € Depends on the original loan capital
Stamp Duty on Documented Legal Acts (AJD) 0 € (exempt) Mandatory filing but exempt
Registration fees 24 € – 60 € Set by official tariff
Agency services (optional) 100 € – 300 € If you delegate the subsequent procedures

Notary Fees

Notarial tariffs for the cancellation deed are regulated by Royal Decree 1426/1989. The base cost depends on the original outstanding capital of the loan (not the actual debt), and usually ranges between 90 and 200 euros for most individual mortgages.

Tax on Documented Legal Acts

Mortgage cancellation is exempt from AJD according to Article 45.I.B.18 of the Consolidated Text of the Tax on Property Transfers. However, it is mandatory to file the corresponding tax form (form 600 or its regional equivalent) with the exemption declared. The cost is zero, but the procedure is mandatory.

Property Registry Fees

The Registry charges a fee also based on the loan capital, but with lower rates than notarial fees. For most habitual housing mortgages, the registration fees are between 24 and 60 euros.

Who Pays the Cancellation Expenses?

Since Law 5/2019, when the mortgage was signed before that date, there might have been doubt about who paid the expenses. For the registration cancellation, the expenses are always borne by the client (the mortgagor), as it is they who benefit from removing the charge on their property.

Is It Worth Cancelling the Mortgage in the Registry?

Absolutely. Although the mortgage is economically extinguished, without the registry cancellation, your property still appears with charges. This can block a sale or new financing and gives an incorrect legal image of your assets. At Notaría Online, we manage the cancellation of your mortgage from start to finish, including coordination with your bank, the notarial signing, and the registry management. Contact us for a no-obligation quote.
Cancelación de Hipoteca Online

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