Authenticate or notarize the land charge?

Without the ZV submission, a notarization of the signature was actually sufficient at the notary appointment.

I am currently facing the same problem. I want/have to register a land charge and have read that the certified draft is partly sufficient. How exactly did it go with you? Was the bank okay with it or did they not care? The notary obviously didn’t see any problem with it either? Since it is about several hundred euros, I would be very grateful for an answer. A first inquiry at my bank was unfortunately answered with "that doesn’t work for us, we do it as usual." But I think they didn’t quite understand it either and feared not being able to enter the land register...

And did you have to submit to enforcement? Then apparently it is not possible with just the notarization, I have learned.

Land charge without immediate submission to enforcement proceedings (we for example do not do this at all, as it is really a negative restriction to the detriment of the bank) only certification. With submission to enforcement proceedings = notarization mandatory (stated in the [ZPO]).

Thanks for the information! How could one argue with the bank that immediate submission to the ZV is not necessary? If the bank insists, that option would be dead anyway. What do you mean by "we" don’t do that at all? Do you work at a bank?

How could one argue at the bank that immediate submission to the foreclosure is not necessary?

Not at all. I wouldn't even engage in that. This creates a real problem for the bank in the event of foreclosure. And yes, I work at a bank with about €10-12 billion in real estate financing every year.