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What is a certificate of outstanding debt?

A certificate of outstanding debt is a document that banks issue at the request of the borrower to certify the amount they still have to repay on their mortgage

The need for a certificate of outstanding debt arises when selling a mortgaged property. The certificate will state the outstanding amount owed to the bank that granted the mortgage.

The two amounts – the part corresponding to the seller and the part corresponding to the bank – are usually settled in the act of sale. The sum of both amounts will coincide with the sale price.

What information does the certificate of outstanding debt contain?

The certificate of outstanding debt shows the outstanding principal on the mortgage at the certificate issue date. It usually also shows any interest due and any late-payment interest, as well any early repayment fees or penalties.


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