Deja bienes concretos a las personas que tú elijas

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.

Yes, the bank is required to participate in two aspects:

1. Issue the zero debt certificate: a document that certifies that the mortgage is fully paid. The bank is obligated to deliver it free of charge within 7 business days from the request.
2. Sign the cancellation deed: a bank representative must appear before the notary (in person or via videoconference) to execute the cancellation deed.

However, you can choose the notary where the deed is executed. You are not required to use the bank's notary or agency, which can result in significant savings.

Our team coordinates with the bank to obtain the certificate and the representative's schedule for the notarial signing.

Yes, it is completely legal. Notarial acts by videoconference are expressly permitted in Spain by:

• The Law 11/2023, of 8 May, on the digitalization of notarial and registrarial acts and communication acts
• The previous modifications to the Notarial Law and its Regulations

The notary must:

• Verify the identity of the grantor by viewing the DNI/NIE via camera
• Read the document in full
• Ensure that the grantor understands the content and gives their consent freely
• Attest to the signature in real time

The resulting document has exactly the same validity as one granted in person: it is a public deed with all its legal effects.

The technical requirements are minimal. You only need:

• Device with camera: laptop or desktop computer with webcam, tablet or smartphone
• Microphone: integrated in the device or with headphones with microphone
• Stable internet connection: minimum 5 Mbps upload speed
• Updated browser: Chrome, Firefox, Safari or Edge

It is not necessary to install any special software. The videoconference is conducted through standard platforms that work directly in the browser.

Before the appointment, our team performs a technical test with you to ensure that everything works correctly.

• First, obtain the death certificate, which is usually provided by the company that handled the funeral services.
• Second, obtain the certificate of last wills. This certificate cannot be obtained until at least 15 days have passed since the testator's death; many death insurance policies include the provision of this certificate; if not, please contact us, and we will facilitate it for you.
• Once we have the death certificate and the certificate of last wills, we will verify in which notary office the last will was executed. With this information, we can request the authorized copy, and once obtained, we can initiate the procedures for the adjudication of the inheritance and the processing of the inheritance and gift tax.