{"id":8211,"date":"2023-07-25T17:17:01","date_gmt":"2023-07-25T17:17:01","guid":{"rendered":"https:\/\/notariablancapalacios.es\/blog\/?p=8211"},"modified":"2023-07-25T17:19:34","modified_gmt":"2023-07-25T17:19:34","slug":"levantamiento-o-cancelacion-de-hipoteca","status":"publish","type":"post","link":"https:\/\/notariablancapalacios.es\/blog\/levantamiento-o-cancelacion-de-hipoteca\/","title":{"rendered":"Levantamiento o cancelaci\u00f3n de hipoteca"},"content":{"rendered":"
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Una de las principales preguntas que se nos plantea en la notar\u00eda cuando el cliente termina de pagar la hipoteca es si tiene que hacer alg\u00fan tramite adicional, o se procede por s\u00ed solo al borrado del registro de la misma.<\/p>\n

\n<\/div>\n

\"\u27a1\ufe0f\" <\/span>La cancelaci\u00f3n de la hipoteca es el acto jur\u00eddico necesario para eliminar una hipoteca de la finca de nuestra propiedad, una vez finalizada la obligaci\u00f3n de pago que se garantiza con ella, consiguiendo que el inmueble quede libre de cargas.<\/p>\n

<\/div>\n

\"\u25aa\ufe0f\"<\/span>\u00bfQui\u00e9n elige la notar\u00eda?<\/p>\n

Es el cliente, y no el banco quien tiene derecho a elegir la notar\u00eda La entidad financiera no puede imponer la firma del levantamiento de hipoteca en una notar\u00eda determinada de su elecci\u00f3n.<\/p>\n

\n

\"\u25aa\ufe0f\"<\/span>\u00bfQu\u00e9 documentaci\u00f3n tengo que aportar a la notaria para que me prepare el levantamiento?<\/p>\n

Para llevar a cabo la cancelaci\u00f3n de una hipoteca a trav\u00e9s de una notar\u00eda es necesario presentar la siguiente documentaci\u00f3n:<\/p>\n

\"\u25ab\ufe0f\"<\/span>Certificado de deuda cero emitido por la entidad financiera.<\/p>\n

\"\u25ab\ufe0f\"<\/span>Nota simple del Registro de la Propiedad con los datos registrales actualizados.<\/p>\n

\"\u25aa\ufe0f\"<\/span>\u00bfQu\u00e9 impuestos aplican al levantamiento de hipoteca?<\/div>\n
El impuesto directo que recae sobre estas escrituras es el de transmisiones y actos jur\u00eddicos documentados. \u00c9ste puede variar en funci\u00f3n de la CCAA.<\/div>\n
<\/div>\n

\"\u25aa\ufe0f\"<\/span>\u00bfEs obligatorio hacer el levantamiento cuando se termina de pagar un pr\u00e9stamo hipotecario?<\/p>\n

No es obligatorio hacer el levantamiento cuando se termina de pagar. Se puede hacer en un momento posterior. No obstante, si no se hace la cancelaci\u00f3n en el Registro de la Propiedad la vivienda seguir\u00e1 con la carga de la hipoteca, pese a que el saldo sea cero y a la hora de una posible venta habr\u00eda que actualizar los tr\u00e1mites.<\/p>\n

<\/div>\n
No lo dudes, consulta a tu notario.<\/div>\n
<\/div>\n
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#hipotecas<\/a> #cancelacionhipoteca<\/a> #levantamientodehipoteca<\/a> #notariablancapalacios<\/a> #vitoriagasteiz<\/a> #consultatunotariovitoria<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Una de las principales preguntas que se nos plantea en la notar\u00eda cuando el cliente termina de pagar la hipoteca es si tiene que hacer alg\u00fan tramite adicional, o se procede por s\u00ed solo al borrado del registro de la misma. La cancelaci\u00f3n de la hipoteca es el acto jur\u00eddico necesario para eliminar una hipoteca […]<\/p>\n","protected":false},"author":1,"featured_media":8212,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[83],"tags":[60],"class_list":["post-8211","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-notaria-blanca-palacios","tag-notaria"],"acf":[],"featured_image_src":{"landsacpe":["https:\/\/notariablancapalacios.es\/blog\/wp-content\/uploads\/2023\/07\/Plantilla-post-06-1-1080x445.png",1080,445,true],"list":["https:\/\/notariablancapalacios.es\/blog\/wp-content\/uploads\/2023\/07\/Plantilla-post-06-1-463x348.png",463,348,true],"medium":["https:\/\/notariablancapalacios.es\/blog\/wp-content\/uploads\/2023\/07\/Plantilla-post-06-1-300x300.png",300,300,true],"full":["https:\/\/notariablancapalacios.es\/blog\/wp-content\/uploads\/2023\/07\/Plantilla-post-06-1.png",1080,1080,false]},"yoast_head":"\nLevantamiento o cancelaci\u00f3n de hipoteca - 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