The deadline to claim abusive mortgage expenses is extended until April 14. This has recently been confirmed by the Supreme Court. Let us remember that there were 5 years to claim and that the deadline expired on January 23. However, this extension is now confirmed, because it has been taken into account that, during the pandemic, procedural deadlines were suspended for 82 days.
The claim can be made to the bank for mortgages signed before June 2019
The mortgage expenses that can be claimed are those corresponding to mortgage loans signed prior to June 2019.. At that time, a distribution of management expenses between the buyer of the property and the banking entity was legally established. However, the claim can be made now, until April 14, retroactively.
Consequently, in the most recent mortgages, that is, after that date, there is no room to claim anything. Of course, as long as we have ensured that the distribution of expenses, as established by law, has been carried out equitably, between the bank and the user who sign the mortgage.
These are the mortgage expenses that can be claimed from the bank
Mortgage expenses, which can be claimed from the bank until April 14, can be summarized in these four fundamental points. Remember that it is necessary to provide documentation that proves them, in order to be entitled to a refund of the money:
- The management expenses correspond to the lender and the appraisal of the property to the borrower.
- The lender will assume the cost of the notarial fees for the mortgage loan deed. However, the copies will be assumed by whoever requests them.
- The costs of registering the guarantees in the property registry must be borne by the lender.
- Payment of the tax on property transfers and documented legal acts will be made as established by the applicable tax regulations.
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2024-02-10 18:08:59
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