Through subrogation enables the borrower to replace the original creditor (i.e. the lender), without need for consent of the latter, subject to the payment of the debt.
The subrogation performs the so-called portability of the loan, which allows the borrower to replace the bank with which he has signed the loan contract with a new bank, which for example offers the best conditions, while maintaining the mortgage was originally formed. In the case of transfers of this type is no longer required the cancellation of the old warranty and activation of a new, resulting in reduced costs of Notaries. The new bank will pay the outstanding debt and to replace the old one.