Tanca Tanca

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.

Close glossary

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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Traductor de google :

El Districte d’Horta-Guinardó acull des del proper 5 d’octubre fins a l’1 de desembre un cicle de concerts de música clàssica gratuïts per diferents equipaments municipals de proximitat com biblioteques, centres cívics, casals de barri i places amb l’objectiu de fer arribar la música clàssica a tots els públics d’una manera atractiva, propera i amb artistes professionals amb brillants carreres artístiques.

Aquest any es commemora el XXV aniversari del cicle que girarà al voltant de les emocions, de manera que els intèrprets també compartiran amb el públic la seva visió personal sobre el repertori escollit i la seva interpretació musical.

La inauguració del cicle es farà el pròxim dissabte 5 d’octubre al matí amb un espectacle itinerant d’òpera d’estètica Steampunk amb la Cia Ludovico Monk per diferents punts d’Horta-Guinardó. El seguiran, al llarg de 8 setmanes, 15 concerts de música de cambra amb formacions com el Trio Kórena, Cia Palau del vent o Panot Horns entre d’altres. El cicle es complementarà amb una conferència d’Albert Ferrer de la Fundació Òpera Catalunya sobre les emocions en l’òpera el 20 de novembre a les 18.30 h a la Biblioteca d’Horta i un taller de musicoteràpia a càrrec d’Assumpta Cumí a l’Escola de Música Municipal Can Fargues el 7 de novembre a les 19 h. La cloenda serà l’1 de desembre a les 12 h al Pla de Montbau amb un gran concert a càrrec de l’Orquestra Simfònica Tekhné, els cantants solistes Anna Niebla, Óscar Encinas, el Cor Elysium, Neoclasic Danza i els ballarins Montserrat Selma i Jaume Sangrà.

Es pot consultar tota la programació del cicle al web www.classicahg.cat o a través de les xarxes socials amb el nom de classicahg. Les entrades s’han de treure prèviament a través del web de clàssica o en els mateixos equipaments on es duen a terme les actuacions.

Durant dos mesos un total de dinou activitats ompliran els diferents barris d’Horta Guinardó de música clàssica en concerts gratuïts pensats perquè petits i grans gaudeixin de la música clàssica.

Where
Biblioteques, Centres Cívics, Casals d'Horta-Guinardó
When
From 05/10/2024 to 01/12/2024

Phone number

Tel.:
934503987
Fax:
934503112