Audiència Pública del Districte de Ciutat Vella *Sessió presencial i telemàtica

Housing Glossary

You will find information here on all topics relating to housing in Barcelona

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Accrued interest

The interest applied as a penalisation when the debtor does not comply with repayment obligations. The amount must be established in the contract.

Active supermortgage

This allows the client to choose their loan's benchmark index (MIBOR at three months, six months or a year) so that payment can benefit from lower interest rates sooner.

Adaptable instalment

Characteristic of UCI superloans that allow the borrower to not pay one instalment a year for the first three years if there are problems due to holidays, extraordinary expenses, etc.

Advanced cancellation fee

A commission arising from the financial risk involved in the advanced cancellation of an operation. The applied commission compensates the financial institution for its financial losses.

AEDE

Direct state aid for paying the deposit on a property.

Affordable housing

Group of social housing or dwellings from social renovation projects that are sold or rented at below-market prices.

Affordable rent

The cost of renting these dwellings is below market prices after being included in operations concerning the rented flat pool, social renovation or social housing promotions.

Amortisation

Payment made to repay a loan.

Amortisation period

The duration of the loan. The contract establishes the date of the first and last payments. The longer the period, the lower the payments are, but the higher the interest. You therefore pay more in the end. The monthly instalment should not exceed 35% of your net income.

API

Estate agent. A qualified professional who acts as an intermediary between the two interested parties to facilitate the signing of a real estate contract, which can be a rental agreement, a sales agreement or another similar contract. They usually charge a percentage of the sales price as compensation or commission.

Applicant

A citizen who makes a registration application to the Barcelona Social Housing Applicants Registry, and who represents the other members of the dwelling unit included in the application.

APR

Annual Equivalent Rate. Effective annual cost of the mortgage in terms of interest, commissions and the repayment period. To compare loans, it is not enough to just look at the lowest APR, you also have to compare the conditions, the repayment period and the distribution of instalment payments.

Arbitri municipal de plusvàlua

Former denomination of the capital gains tax on landed property.

Assessment

The value of a dwelling certified by a specialised assessment company, in accordance with the mortgage market law. This certificate not only indicates the real value of the property, it also serves as a reference for obtaining the necessary financing.

Authorisation

Document in which the owner authorises the tenant to carry out building work in the dwelling's interior.

Housing offices only offer face-to-face assistance by prior appointment, so check out the “Housing calls you” service here to receive the most appropriate personalised assistance. If you also need assistance in energy rights, book an appointment with an energy-advice point (PAE) by clicking here. On the other hand, if you reside in an IMHAB public dwelling you can consult our contact, management and processing channels here.

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L’Audiència Pública és la trobada dels i les responsables municipals amb la ciutadania per plantejar qualsevol tema en relació amb l’actuació municipal del districte.

De forma anticipada, deixant escrita la pregunta o petició a la sessió de l’Audiència Pública a través dels comentaris, fins a 24 hores abans de la celebració de l’Audiència. Per poder formular les preguntes cal tenir un perfil d’usuària a decidim.barcelona. Obrir-lo és molt fàcil ( consulta com registrar-se )!
Intervenint en directe presencialment a la Sala Ernest Lluch de la Seu del Districte (Plaça del Bonsuccés, 3). Per fer-ho, pots emetre la pregunta o petició el mateix dia de l’Audiència o ens la pots avançar fins a 24 hores abans de la celebració de l’Audiència a través del formulari del menú Intervencions en directe . Això ens permetrà recopilar amb suficient antelació la informació per respondre’t adequadament.
Intervenint digitalment en directe a través de videoconferència. Pots avançar la teva pregunta o petició fins a 24 hores abans de la celebració de l’Audiència a través del formulari del menú Intervencions en directe . Això ens permetrà recopilar amb suficient antelació la informació per respondre’t adequadament. També pots connectar-te directament a la sessió per videoconferència i emetre la teva pregunta sense avançar-la prèviament, però en aquest cas, la Presidència podrà atorgar-te la paraula al final de la sessió, sempre que el temps de durada de la mateixa ho permeti.

Schedule

	Days	Hours
	Dijous	a les 18.30 h

Others

Occur on:: Seu del Districte de Ciutat Vella.
Organised by:: Seu del Districte de Ciutat Vella.

Seu del Districte de Ciutat Vella

Address:: Plaça del Bonsuccés, 3
District:: Ciutat Vella
Neighborhood:: el Raval
City:: Barcelona

How to get there

Where: Seu del Districte de Ciutat Vella

When: 28/11/2024

Phone number

Switchboard:: 934027000

Website

Web:: http://ajuntament.barcelona.cat/ciutatvella