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 mar, l'últim territori per descobrir en la lògica colonial, ocupa tres quartes parts de la superfície terrestre i acull més de 120.000 especies marines «censades». Actualment una iniciativa pretén «trobar» 100.000 especies més abans que la sobrepesca i el canvi climàtic provoquin l'extinció de moltes d'elles, en un afany per catalogar el que destruirem fins i tot abans de saber de la seva existència. Els oceans, motor dels ecosistemes globals de la Terra, són explotats com a font de recursos i abocador dels nostres residus terrestres. Produeixen la major part de l'oxigen de l'atmosfera, bona part de l'alimentació humana, recursos minerals i energètics, aigua dolça i medicaments. I per ells hi circula la major part del comerç mundial i a les seves costes es concentra el turisme de masses.

El mar, l’ espai de vida més gran conegut, es manté desconegut. Com deia Thoreau, no volem saber com era fa mil anys perquè sempre ha sigut inescrutable. El considerem infinit, misteriós i perillós: el 90% de les seves aigües són obscures i acullen la major part de la vida del planeta, des de la més diminuta a la més grandiosa. Aquest «espai» insondable on no podem sobreviure ha generat relats sobre criatures mítiques com el Kraken, el Leviatan o les sirenes, però també ha alimentat bona part de la literatura d'aventures. En aquest club no llegirem aquests relats, però seguint l'estela de Moby Dick, ho farem sobre diferents usos i abusos del mar. Escrits sobre la formació dels oceans, les balenes o els calamars gegants, es complementaran amb novel·les sobre vides al mar, migracions i els inicis de la turistificació, per poder parlar sobre ecologia, imaginaris, explotació, fronteres... El mar està ple de plàstic i de cossos: cada any rep uns 8 milions de tones de residus plàstics i la ruta del mediterrani ha registrat més de 30.000 morts en la última dècada.

Aquest club, organitzat per la Biblioteca El Clot-Josep Benet amb la col·laboració del DHub, es presenta en el marc de l'exposició L’oceà parla. Noves ecologies i economies del mar que es podrà veure al DHub a partir del 10 d'octubre.

Conducció: Clara Grífol.

Schedule

Others

Occur on:
Disseny Hub Barcelona.
Organised by:
Biblioteca El Clot - Josep Benet.
With the collaboration:
Disseny Hub Barcelona.

Disseny Hub Barcelona

Address:
Plaça de les Glòries Catalanes, 37*38
District:
Sant Martí
Neighborhood:
el Parc i la Llacuna del Poblenou
City:
Barcelona
Where
Disseny Hub Barcelona
When
From 23/10/2024 to 28/05/2025

Phone number

Switchboard:
93 256 67 00
Reservations:
93 256 68 01