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 :

"Aquesta és una sèrie de retrats de persones amb diversitat funcional, persones que, per una causa o altra, tenim alguna discapacitat. Després d'anys de fer treballs i exposicions, algunes sobre el món de les discapacitats, en la present mostra he volgut donar protagonisme a la nuesa. Totes les persones que hem participat en aquest projecte hem pretès fer, en mostrar-nos nus, un exercici reivindicatiu des de la perspectiva de les corporalitats no normatives. No solament reivindiquem la nostra nuesa amb orgull, sinó que també la veiem atractiva i desitjable, sigui quina sigui la no normativitat. En un acte de compromís amb la idea, jo també aparec nu amb cada persona fotografiada. Veure'm despullat en els retrats m’ha suposat tot un repte, un exercici d'acceptació personal. Cada sessió fotogràfica ha acabat sent una experiència alliçonadora. Hem compartit les nostres vivències i històries, hi ha hagut complicitats i afectes. En resum, ha estat un joc divertit i emocionant. Literalment, ens hem despullat de cos i ànima. El resultat de tot plegat només ha estat possible per l’amistat, l'afecte i el respecte que ens tenim entre nosaltres. Faig èmfasi en el fet que les protagonistes han volgut aparèixer amb tota la seva naturalitat, sense filtres. Aquestes fotos són una mostra documental de les nostres realitats, fora de convencionalismes i prejudicis, acceptant amb orgull els nostres cossos des de la diversitat física. Hi ha en la nuesa una inevitable vulnerabilitat, però també hi ha la llum i el cant per la vida. Lluny d’afrontar les nostres discapacitats com una llosa que pesa, l’única realitat que desitgem és gaudir d’aquesta vida com qualsevol altra persona. Ni més, ni menys. Aquest projecte ha tingut un propòsit principal i és el de donar visibilitat a col·lectius que ens trobem amb minoria. He volgut aportar la meva mirada donant suport a les persones que defensen els nostres drets. Aquestes són cada una de les protagonistes que apareixen fotografiades. Persones que, per una causa o altra ens sentim dissidents, com jo mateix."

Jordi Mañosa Co. 

Protagonistes: Carme Navarro, Raquel Blanca, Patricia/Nodual, Iñigo Laudio, Estela Murillo Divertad, Desirée Cascales, Àlex Lokaderemache, Karol, Arual Suárez i Jordi Mañosa

Schedule

Others

Occur on:
Centre Cívic Parc Sandaru.

Centre Cívic Parc Sandaru

Address:
Carrer de Buenaventura Muñoz, 21
District:
Sant Martí
Neighborhood:
el Parc i la Llacuna del Poblenou
City:
Barcelona
Where
Centre Cívic Parc Sandaru
When
From 13/01/2025 to 24/02/2025

Phone number

Tel.:
933090635