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The role of the notary is central to the granting of home loans. His participation is required by law because a mortgage is recorded in the land register.
The notary, in addition to checking the validity of the contract and accepting responsibility toward the bank as to the ownership and freedom from encumbrance of the property denominated as security, checks in the contract for the existence of any unfair terms to the detriment of the client, prevents fraud that might harm the bank or client and with his experience and training can advise the borrower regarding the best solutions, eliminating provisions that could lead to an imbalance in the contractual terms.
It is advisable to contact a notary early in the piece so that there is time to check and evaluate all aspects of the contract and not at the last minute when the buyer of the property, in order to meet his commitments, absolutely needs to receive the loan funds without delay.