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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 :

The new permanent exhibition at the MAC-Museu d’Arqueologia de Catalunya, IMPERIVM, Roman stories, is a guide to the discovery and knowledge of the Roman civilization through the stories of different inhabitants of the Roman Empire, of their worries and longings, expressing in the first person the experience of what it was like to live in this complex and diverse world, but at the same time global and integrating.

In the context of these stories we find the different areas that will speak to us in a general, open and cross-cutting way about the substantial themes that made up Roman civilization and culture, such as the principles and manifestations of power, beliefs, social structure, leisure, work and more. Through the presentation of and dialogue with the objects and resources of the exhibition, visitors will be able to recognise and grasp the essence of Rome, as well as the projection of its power and its culture for around 700 years throughout the Mediterranean and Europe.

The works on display belong to the Roman collection at the MAC, coming mainly from the Roman cities of Barcelona, ​​Tarragona and Empúries, but also from the rest of the territories where the power of Rome extended. Audiovisual and interactive resources play a fundamental role in the presentation, which is based on an integrated and personalised audio guide system.

This activity is part of the Cultural Regatta, the programme of activities promoted by Barcelona City Council with the collaboration of the Government of Catalonia, to go with the America’s Cup being held in Barcelona.

Schedule

Museu d'Arqueologia de Catalunya

Address:
Passeig de Santa Madrona, 39*41
District:
Sants-Montjuïc
Neighborhood:
el Poble-sec
City:
Barcelona