Title deeds ?

[bramleylad]

Hi all , i have just finished paying my Spanish mortgage ( hurrah !!! ) ,my question is ,when i paid my English mortgage off i could either leave my title deeds with the bank or have them myself ,what is the procedure here in Espana can i just ask my bank/mortgage provider  for the deeds does the bank hold on to them or is it another !! trip to the notary to pay out more fees ? all info much appreciated

[Spurs]

I suspect another trip to a notary I remember we had to go to get ours signed

[bramleylad]

Thanks Spurs , but could you keep them yourself then , it's just that i  don't trust Spanish banks !

[Spurs]

Yes you can keep them we have ours

[puddy-woo]

Yes I have mine also. 


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[Blue and white stripes]

I too have all my title deeds. I picked them up from the lawyers after all the paperwork had been completed.

[DaveG]

We have ours as well but I'm sure that just getting the deeds isn't enough you have to get the bank to cancel the mortgage at the land registry. Our bank didn't want to do it as it's apparently a bit of a hassle but our solicitor insisted. We signed a form "Autorizacion de Tramitacion y Carga" at the bank and this was then processed at the Land Registryand the Liquidacion forms from the LR are attached to the deeds.
This was in 2007 so may have changed but worth asking.
Dave

[angieanded]

you do need to get the morgage cancelled the bank is suposed to do it for you when we sold our place
i had to pay 700 euros to have it cancelled other wise it still shows there is a morgage on the property
as it has to go to notery keep your deeds  with the blue stamp on you know where they are then

[MICKKAT]

Just finished ours off and the bank had to go to notary to say and sign we had paid it off.  Then the notary had to do his bit which took the normal months.  Eventually it was done and now we await deeds.  It costs to do this as that's life in Spain.

[Spurs]

At least in Spain the title deed is a real official looking document in the uk now it's a computer printout !!

[Aficionado]

Hi all, am I not right in thinking that the original of the title deed - escritura - is held in the land registry, the one that you have, complete with official stamps, is the notarised copy. Fairly sure that was how it was explained to me when we bought ours all those years ago.

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[John H]

I thought I had the original of mine here in the uk, I discovered when I visited our Spanish solicitor last year that I have a full colour photocopy, she was holding the original document for safe keeping


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[Spurs]

I think there are two copies one as you say held at the land registry and the other we were given by the notary on completion of the sale from the builder to us .the notary signed it and stamped it . I keep it in England with a photocopy in Spain

[kevinb]

Made sure I have copy of my Spanish deeds held in different location didn't have mortgage so everything straight forward , what a lot of people don't realise is that when you sell your house you need the passport that you had when you purchased the property.

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[DaveG]

Yes we too were advised to keep the original passport(s). Ours are filed away with the deeds.
Dave