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Si us plau utilitzeu sempre aquest identificador per citar o enllaçar aquest document: https://hdl.handle.net/2445/191948
Problemática registral de los préstamos hipotecarios tras la L. 5/2019
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[eng] L. 5/2019, of 15 March, relating to credit agreements on residential immovable property has proved to be problematic from the point of view of the Land Registry during the nearly three years since it came into force. These problems are due to the limited means of register qualification, especially with regard to the preliminary act, or the unsuitable design of the Register of Contractual General Terms and Conditions. More specifically, the existence of mortgage loans that include life insurance, the mandatory nature of Art. 24, regarding early maturity, and Art. 25, regarding interest for late payment, or the scant regulation of novations, are clear examples of the need to articulate an adequate legal response. It is also worth clarifying the exclusion relating to bank employees, as well as clarifying mixed cases, while also implementing specific protection measures for the household residence, reverse mortgages, vulnerable consumers and SMEs. Moreover, there is clearly a loss of legal certainty resulting from the declaration of nullity of foreclosures as a consequence of the abusive nature of early maturity clauses.
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TENZA LLORENTE, Maria. Problemática registral de los préstamos hipotecarios tras la L. 5/2019. [consulta: 2 de desembre de 2025]. [Disponible a: https://hdl.handle.net/2445/191948]