What are the encumbrances of a mortgage?

What is 'IBI'? What is full repayment and how does it affect my mortgage? What is partial repayment and how does it affect my mortgage? What is French-style mortgage repayment (French repayment system)? What is a binding offer? What is the SWS (Standardised Warning Sheet)? What is the ESIS (European Standardised Information Sheet)? What is the Euríbor? What is the CIRBE? What is a mortgage guarantor? What happens if the value for tax purposes changes? How can I check the value for tax purposes? What is a property's value for tax purposes and how is it worked out? How do I get a property register certificate? What is the property register certificate? What does the Condominium Act establish? What is the Property Register? What is the DIPREC document? (Supplementary Pre-contractual Information Document) What is the FIPRE document? (Pre-contractual Information Sheet) What is the certificate of occupancy? What happens if I breach the earnest money contract? What happens if the mortgage is denied after signing the earnest money contract? What is the earnest money contract? What are eligible products and how do they affect my mortgage? What do NIR and APR mean? What's the difference between a fixed-rate and a variable-rate mortgage? What is a mortgage?