A Release Of Mortgage Document is a crucial legal instrument in Dutch property law that formally terminates a mortgage lender's security interest in a property. This document is required when a mortgage loan has been fully repaid, when refinancing a property with a new lender, or when selling a property that has an existing mortgage. The document must be prepared and executed in accordance with Dutch civil law requirements, particularly the Burgerlijk Wetboek (Dutch Civil Code) and Kadasterwet (Cadastre Act). It requires execution before a civil law notary and subsequent registration with the Kadaster (Land Registry) to be legally effective. The Release Of Mortgage Document includes essential information such as property details, original mortgage registration information, and complete identification of all parties involved. It serves as definitive proof that the property is free from the specified mortgage encumbrance.
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1. Identification of Parties: Details of the mortgagee (lender) and mortgagor (borrower), including full legal names, addresses, and registration numbers for entities
2. Property Details: Complete description of the mortgaged property, including cadastral references and address
3. Mortgage Details: Information about the mortgage being released, including registration date, deed number, and original amount
4. Declaration of Release: Formal statement confirming the full release of the mortgage and that the debt has been satisfied
5. Authorization: Statement authorizing the notary to execute the release and file it with the Land Registry
6. Execution: Signature blocks for all parties and notarial certification
1. Partial Release Statement: Required when only a portion of the mortgaged property is being released, specifying exactly which part remains under mortgage
2. Consideration: Required when there is a payment or other consideration for the release beyond the satisfaction of the original debt
3. Representative Authority: Required when any party is acting through a representative, including power of attorney details
4. Conditions Precedent: Required when the release is subject to specific conditions that must be met before it becomes effective
1. Property Survey Plan: Required for partial releases to clearly show the portion of property being released from the mortgage
2. Power of Attorney: When any party is represented by an agent, the power of attorney document must be attached
3. Original Mortgage Deed: Copy of the original mortgage deed for reference purposes
4. Land Registry Extract: Recent extract from the Land Registry showing current registration status of the mortgage
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