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After years and years of paying your mortgage, that wonderful moment has arrived when you have finished paying all the installments. You already have a house 100% yours and you can start enjoying your salary more or who knows, you may want to buy a house as a second residence. But eps, before you go on vacation to celebrate, you have a pending procedure: mortgage cancellation. And today, we are going to learn everything you need to know so that you can enjoy your freedom as soon as possible.


Recommended reading: How can I get a mortgage without a fixed contract?
Keys to a mortgage cancellation
Reasons for canceling a mortgage
First of all, know that the cancellation of a mortgage can Romania Mobile Number List be due to several reasons:

When you have finished paying all the installments.
When selling an apartment without having paid off the mortgage.
If you want to put your house as collateral.
When you want to change banks .
If you pay off the entire mortgage at once.
What is the process I have to follow?
To cancel a mortgage you will have to follow these steps:

Request from the bank the zero debt certificate , which states that the debt has been settled. This certificate has no cost.
Sign the public deed of cancellation , for that you must go to the notary and assume their fees.
Go to the Treasury to request and fill out the Tax on Documented Legal Acts (IAJD).
Go to the Property Registry with all the documentation so that the cancellation can be made official. Don't forget to bring: the certificate, the deed and the IAJD.
You are now officially mortgage free!
Mortgage cancellation



Frequently asked questions about mortgage cancellation
Why do I have to cancel the mortgage?
The objective of canceling the mortgage is to show the Property Registry that you have already settled your debt with the bank. And in case of early cancellation, to be able to make the necessary arrangements.

Is it necessary when we have paid all the fees?
No, it is not necessary, but it is recommended. Yes, it is true that once we have paid the last installment, the mortgage cancels itself after 20 years, but during those two decades there will be evidence that you continue to have a debt and therefore, if you have to request a loan you can find yourself with problems.
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To nie tylko trzeba spłacić, to jeszcze trzeba anulować?
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