{"id":33887,"date":"2026-06-11T13:13:26","date_gmt":"2026-06-11T13:13:26","guid":{"rendered":"https:\/\/www.cbleon-abogados.com\/?p=33887"},"modified":"2026-06-11T13:13:26","modified_gmt":"2026-06-11T13:13:26","slug":"mortgage-expense-clauses-claims","status":"publish","type":"post","link":"https:\/\/cbleon-abogados.com\/en\/clausulas-gastos-hipotecarios\/","title":{"rendered":"Mortgage Expense Clauses: Claim"},"content":{"rendered":"

Since 2015, there has been significant debate regarding mortgage fees, as many people consider them excessive. These include fees such as notary, registration, administrative, appraisal, and origination fees. In response to this issue, clauses have been established to regulate this process. That is why we are informing you about the new measures to regulate mortgage fees.<\/span><\/strong><\/p>\n

Update to the mortgage expense provisions<\/span><\/strong><\/h2>\n

As mentioned earlier, mortgage fees have been a recurring issue since 2015. For this reason, the CJEU has ruled that fees deemed unfair, as well as other administrative costs, must be shared between the bank and the borrower.<\/span><\/p>\n

This agreement is scheduled to be in effect from 2019 to 2022, so changes may occur in 2023. Even so, the allocation of mortgage expenses has been an important step in mortgage regulation. PThis ensures the financial well-being of the borrower, who previously paid more than 15% of the loan amount.<\/strong><\/span><\/p>\n

What expenses does the bank cover?<\/span><\/strong><\/h3>\n

Under the rules implemented by the CJEU starting in 2022, the bank must agree to pay the following expenses:<\/span><\/p>\n

Appraisal<\/span><\/strong><\/h4>\n

The bank requires this process to determine the value of the property.<\/span><\/p>\n

Notary Public<\/span><\/strong><\/h4>\n

An official must certify the legality of a mortgage contract and ensure the borrower\u2019s security. Therefore, the bank must commit to providing this service.<\/span><\/p>\n

Administrative Services<\/span><\/strong><\/h4>\n

In order to follow up on the mortgage process<\/span><\/p>\n

Taxes on Legal Transactions<\/span><\/strong><\/h4>\n

These taxes are intended to cover the costs of legalizing the documents required to initiate a mortgage on a property.<\/span><\/p>\n

Registration<\/span><\/strong><\/h4>\n

A key requirement for moving forward with the process is to register the property.<\/span><\/p>\n

What expenses does the mortgage cover?<\/span><\/strong><\/h3>\n

The reduction in out-of-pocket expenses for customers has been significant in recent years; however, customers are still required to cover the following costs:<\/span><\/p>\n