Calculadora de gastos hipotecarios

The bank had to pay:

• Property Registry
• Management services
• Appraisal
• 50% of notary fees

The customer only had to pay:

• The other 50% of the notary fees
• The Tax on Documented Legal Acts (IAJD)

Therefore, if you signed before 2019 and assumed all the expenses, you can claim almost the entire amount.

With the entry into force of the Real Estate Credit Contracts Act, the distribution changed:

The bank pays:

• IAJD
• Notary (except copies)
• Record
• Management services

The customer only pays:

• Appraisal

This means that, in recent mortgages, you could only claim if the bank incorrectly charged you for any of these expenses.