All about Simple Note for Debts, Charges and etc

First, we will explain what a simple registration note is . A simple registration note is a document that contains simple information about the identity of the owner of the property, characteristics of the property (location, surface area, built meters, boundaries, …), all those charges, debts, liens or rights to which it is subject and, in addition, any legal restriction on the use of the farm.

Composition of the simple note

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In detail a simple note is structured as follows: Land registry data . It is, perhaps, the most relevant part because it tells us the type of property. Here we can obtain data such as land qualification, whether it is rustic or urban, surface data, location, boundaries and we can also find other information relevant to the use of the farm. In this section we will find the registration number (IDUFIR or CRU).

Information about the owner of the property . Here we will see the data of the owner or owners of the property, if it is gainful or private, we will also see how the property is held in possession of the title (purchase, assignment, inheritance, …). And other initially less relevant data such as the name of the notary who authorized the ownership.

Loads, debts and encumbrances . This is very important information since it tells us if the property can be, for example, subject to a mortgage or in cases a rental or lease may appear. We can also verify if this property had any legal limitations for its use. Finally, we can find information on debts if there are, for example, utility bills such as electricity, water or gas.

We can request a simple note at the property registration office located in the town to which the farm or property belongs. Another option is to request it in its online mode through the Internet.

What is the cost of the simple note?

If we request it directly at the corresponding registry office, its cost is between 3 or 4 euros . Through the Internet it depends on the company to which we request it, it can be around from 9 to 22 euros.

If we carry out the process online we must receive an official document in PDF format directly to our mail. This document is digitally signed by the registrar that processes it, which has the same value as the on-site application.

An online procedure in any of the companies that offer this type of service usually takes between 24 to 48 business hours and usually offer emergency services at special prices.

Who can request a simple note?

A simple note is a public document that cannot be avoided by anyone, it is enough to state what is needed. This legitimate interest may be, for example, the purchase of a home. This right is protected by article 221 of the mortgage law.

The request may normally be denied because the data is erroneous or incomplete. This usually happens in those cases where we do not know the name of the owner or his identification number and only provide the registration data that may not coincide with which the property was registered.

In order to complete the information we can also identify reasons, for example, that there is a legal investigation about the applicant’s assets, when the investigation is about the ownership of the property and other procedures that correspond to company assets.

Although the simplest is, as we discussed earlier, the purchase intention.

When can I go to the registry to request the simple note ?

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To go to the registry it is not necessary to request an appointment since it is a very simple procedure. If what we need is a query, the use of e-mail is increasingly widespread or we can also use the telephone where the registration agents or administrative staff can assist us. Only in cases where our query is somewhat more complex can we request an appointment with the registrar.

We must bear in mind that in the registry they can only inform us about the registry data of the property, but no case is their responsibility to advise them since this is a function of the notary.

What can I use a simple note for?

What can I use a simple note for?

A simple note is an information document that is normally used on a personal level to make a purchase decision or can be requested when hiring a mortgage, insurance or other types of services that need to verify that the property is free of problems . It can also be requested by any administrative record, for example, the cadastre.

In no case is a simple note legal in nature, so all the information you have must be certified so that we can use it in a legal case.

We can request it using the registration data of the same or by the unique identification number (IDUFIR). Although the simplest way is simply by requesting it through the name and surname of the holder or simply your NIF ( Tax Identification Number or National Identity Document).

When is the property information updated in the registry?

To answer this question, you must know the steps taken in registering a sale.

First, the procedure is carried out in the notary to constitute the public deed of sale. Subsequently, the corresponding taxes must be paid, such as the capital transfer tax and the value added tax.

Finally, all such documentation must be presented in the property registry that is normally carried out by the notary, delivering a copy of the deed while it is being processed in the registry. In a period of 15 days it will be registered and the original documentation is returned to the notary that delivery to the holder.

How valid is a simple note?

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The simple note is not a document that loses its validity since it contains the information of the property registration at a certain date.

Although we must bear in mind that the requirements on the date of issuance of the simple note are different depending on what we want to use it for. In the case of the management of a mortgage loan, the appraiser can request it, generally, with a date not earlier than 3 months.

About: David Moore

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