'Cohesió social i democràcia: gestionant la incertesa'

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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Traductor de google

El 2024 han catalitzat moltes de les incerteses que percebem de manera difusa: el desordre i la fragmentació del poder global, els canvis econòmics sistèmics i l’impacte a les nostres democràcies i estats del benestar de les eleccions d’aquest any. Com s’ha de gestionar?

PROGRAMA

Conferències i Debats: Transició economicoecològica i justícia social

Dijous 7 de novembre de 2024 a les 18.30 h

Es pot gestionar el canvi climàtic i la transició ecològica a les nostres democràcies quan és una realitat que cal abordar de manera global? Hi som a temps?

Conferències i Debats: La gestió de la incertesa democràtica

Dijous 14 de novembre de 2024 a les 18.30 h

Com es pot fer retrocedir la pulsió autoritària i recuperar la confiança de la ciutadania en un context de polarització i tensió de les democràcies?

Conferències i Debats: Polítiques públiques per blindar la cohesió social i la reducció de la desigualtat

Dijous 21 de novembre de 2024 a les 18.30 h

Com blindem la cohesió social per respondre als possibles riscos que afrontem? Quines polítiques són necessàries per mantenir l’estat del benestar a Espanya i la UE?

Conferències i Debats: Prospectiva econòmica i geoestratègica

Dimarts 26 de novembre de 2024 a les 18.30 h

Com condicionaran el context geopolític i econòmic els reptes de la UE i el benestar europeu?

Schedule

	Days	Hours	Preus	Observation
	7 novembre, 14 novembre, 21 novembre i 26 novembre	a les 18.30 h	Entrada Gratuïta	Cal inscripció prèvia

Others

Occur on:: CaixaForum Macaya.

CaixaForum Macaya

Address:: Pg Sant Joan, 108
District:: Eixample
Neighborhood:: la Dreta de l'Eixample
City:: Barcelona

How to get there

Where: CaixaForum Macaya

When: From 07/11/2024 to 26/11/2024

Phone number

Tel.:: 934579531

Website

Web:: https://caixaforum.org/ca/macaya/p/cohesio-social-i-democracia-gestionant-la-incertesa_c168388139