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Municipal Rates or Rates and Taxes refer to the fees levied by the local municipality on property owners. These fees contribute to the funding of essential municipal services such as waste removal, road maintenance, street lighting, and community services. Municipal Rates are calculated based on the municipal valuation of the property and are an ongoing financial responsibility for property owners to ensure the upkeep of local infrastructure and services.

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Pre-qualification or affordability assessment is a process where a potential homebuyer provides financial information to a credit provider to estimate how much they can afford to borrow for a home loan. This assessment considers the borrower's income, expenses, debts, and credit history. While it doesn't guarantee a loan approval, it helps prospective buyers understand their budget and gives them an initial idea of their financial capacity. It's a useful step before house hunting, allowing buyers to focus on properties within their financial means.

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A credit score is a numerical representation of an individual's creditworthiness. It is a measure used by credit providers to assess the risk of lending money to a borrower. The credit score is based on the individual's credit history, including factors such as payment history, outstanding debts, length of credit history, types of credit, and recent credit applications.

A higher credit score indicates a lower credit risk, making it more likely for the individual to be approved for credit or loans.

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A portfolio typically refers to a collection or grouping of real estate assets held by an individual or an entity. This collection can include various types of properties, such as residential, commercial, or industrial properties. Portfolios are often managed with the goal of achieving specific investment objectives.

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A Servitude refers to a legal right that one property owner has over another property owner's land or property. It allows the holder of the servitude (the dominant property) certain specific rights or privileges on or over the servient property (the property burdened by the servitude).

Types of Servitudes: There are various types of servitudes, each granting different rights or restrictions.

Right of Way: This allows a property owner to pass through another property to access their own property.

Easement: An easement grants someone the right to use a specific portion of another person's property, such as for drainage, utilities, or access.

Usufruct: This servitude grants a person the right to use and enjoy another person's property, including receiving income from it, without owning it.

Personal Servitude: It grants specific rights to a person, such as the right to live in a property, even if they don't own it.

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