The Directorate General for Legal Certainty and Public Faith has upheld the suspension of the registration of a sale and purchase deed. This is because the payment and mortgage subrogation conditions contained in the document may contravene Law 5/2019 on consumer protection in real estate secured loans. The resolution states that the determination of price and method of payment must comply with the principle of registry speciality (Art. 10 of the Mortgage Law) and must prevent compliance from being left to the sole discretion of one of the parties (Art. 1256 of the Civil Code).
For investment or purchasing companies (such as Silva Direct, S.L.), this criterion implies a risk of registry blockage if instalment payment structures or tacit subrogations do not strictly adhere to consumer protection regulations (Law 5/2019). Registrars have the authority to suspend registration if they detect signs of consumer rights violations in the granting of real estate secured loans. Due to the suspension, the filing entry for the document is extended for 60 days (Art. 323 of the Mortgage Law).
The tax team reviews your specific situation.