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In those cases in which we are going to subrogate ourselves in the loan contracted by the seller or promoter, we must take into account.

That we must require the seller to present a certification issued by the creditor bank, which shows the amount that is pending payment.

That we can request from the bank that has the seller's or developer's mortgage an improvement in the interest rate and in the terms of the term, and that in case of refusing to do so, we can request such conditions from another bank or entity, so that the The new entity pays the previous one the amount pending payment and is placed in its place as a creditor, with the new more advantageous conditions. Such operations are practically free as they are exempt from taxes, and the notarial and registry fees and the commissions that banks can charge for carrying them out are greatly reduced by law.

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