27/05/2026
๐ Your municipal arrears could be silently blocking your property sale โ and most sellers only find out once they've already accepted an offer.
Before any property transfer can be registered in South Africa, a Rates Clearance Certificate is required by law. That means ALL outstanding rates, water, electricity, and municipal charges must be paid in full โ plus an advance payment of up to six months. No certificate. No transfer. It's that simple.
But here's what most people don't know:
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Debt older than two years does NOT block your sale
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Bridging finance can cover the costs upfront if you don't have the cash available
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There are 5 costs every seller must budget for โ and municipal arrears is just one of them
I've written a full breakdown covering everything you need to know before you list your property โ from rates clearance to compliance certificates and bond cancellation fees. ๐
Selling your property doesn't have to be stressful when you have the right information from the start.
๐ Read the full article via the link below โ and drop your questions in the comments. I read and respond to every single one.
Have you ever been caught off guard by unexpected costs when selling? Tell me in the comments.
https://www.africaestate.co.za/article/19976/municipal-arrears-when-selling-your-property-what-every-south-african-seller-must-know
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Selling your home is one of the biggest financial decisions you will ever make. But if your municipal account is in arrears, that decision just got more complicated. Many South African sellers are caught off guard when their conveyancer requests payment of outstanding municipal debt before the trans...