2023-11-18 09:03:59
The death of a loved one is inevitable and although everyone knows that life ends sooner or later, it is difficult to face this predictable ending. The feeling of sadness is not the only thing that this moment of mourning leaves behind, but it can also be accompanied by an inheritance in which the deceased leaves part of his estate to those closest to him.
Inheritances, sometimes, can be a poisoned gift, since they can come accompanied by debts, causing many people to choose to renounce them due to the impossibility of meeting these payments. So much so, that almost 55,500 people rejected their right to receive an inheritance in 2022, according to data from the General College of Notaries.
Deceased relatives with outstanding debts is a situation that occurs more frequently than desired, so before accepting or rejecting an inheritance, it is vitally important to know what the financial situation of the deceased was. Therefore, from the Fotocasa real estate portal they explain the ways for a legitimate heir to discover the assets, debts and, ultimately, the financial information of a deceased person.
The Civil Registry
To find out the assets and debts, the first step will be for the heir to go to the Civil Registry to request the death certificate and thus obtain all the basic information of the deceased such as the date and place of death, among other relevant information.
The registry of last wills
At the Ministry of Justice you can request the certificate of acts of last will. The will is registered in this document, so “carrying out this procedure will be essential to know if the deceased left a will since they would notice if they wanted to either accept or renounce the inheritance,” explains the real estate portal. Likewise, this certificate will also allow the heir to know if the deceased was in ongoing legal proceedings.
The banking entities
The heirs may go to financial institutions to request information about the bank accounts or investment products that the deceased had. For banks to grant this information, it will be necessary for them to present the death certificate and the record of last will and testament acts.
At Cirbe
The Risk Information Center of the Bank of Spain (Cirbe) is a public service that manages a database in which all loans, credits, guarantees or risks that banks have with their clients appear. In order to request the Cirbe report on behalf of a deceased person, it will be necessary to provide the following documentation:
DNI or identity document. Death certificate. Certificate of last wills. The last will, if there is one, otherwise, the notarial act or judicial order must be provided which, in the event that the heirs are the children, can be replaced by the family Book.
Social Security and Treasury
Likewise, before accepting the inheritance, it is necessary to know if the person had debts with Social Security or the Treasury and to do so, both organizations will have to be requested to issue a certificate of being up to date with payments.
The property registration
“In the Property Registry, heirs can consult information about the rights and charges that fall on the properties of the deceased. In the Registry, they will provide you with details about all the properties that belong to the deceased, the associated charges or any type of relevant information related to the homes to be inherited”, states the real estate portal.
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