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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Aquest projecte pretén desemmascarar un conte.

Un ideal de maternitat romantitzat, imposat per la religió, el patriarcat i el capitalisme, i heretat de generació en generació dins de les famílies.

Lluny del romanticisme, les dones hem quedat sotmeses al treball domèstic, les cures i la criança sota l’opressió patriarcal des que sorgís fa 12.000 anys l’agricultura en el neolític, on es va jerarquitzar la humanitat i es va utilitzar a la dona com a moneda de canvi per al seu poder i benefici i com a eina sexual i reproductiva.

Hem estat dominades i explotades des de l’origen de la civilització, però és a finals del S. XX quan, a més, hem d’incorporar-nos al mercat laboral per a fer front a les exigències del despietat neocapitalisme.

En l’actualitat, mentre seguim claudicades a aquests preceptes, els homes no s’han involucrat de la mateixa manera en els treballs de la llar, una qüestió de privilegis que suposa un desequilibri en les relacions de poder i un nou vassallatge per al sexe femení.

Controlar els processos sexuals i reproductius de les dones assegura la dominació del 50% de la humanitat. Aquesta dominació és en realitat la de les mares (totes les dones com a potencials reproductores) i de l’apropiació de les seves criatures.

Trencar els potents vincles afectius entre mares i fills els deixa desprotegits per al seu adoctrinament silenciós i omnipresent (el sistema prefereix institucionalitzar als bebès, que concedir més setmanes de baixa maternal). És la família llavors, una manera de subordinar i assegurar la perpetuació del seu poder.

Aquest adoctrinament es duu a terme a través de múltiples canals, com la religió, l’educació sense marge per al desenvolupament del pensament crític, la publicitat, les RRSS, les joguines i els contes infantils… Els mandats calen en les ments de la societat sense que ningú es pari a reflexionar sobre això, en una fal·làcia de l’ordre natural de les coses.

L’era tecnològica, a més, ens ha sumit en l’individualisme, ja no hi ha suport comunitari. Ens han dividit, ens han deixat soles. Donem a llum i ens quedem a l’ombra.

Inauguració 7 de novembre a les 19 h

Sala Foyer – 1a planta

Schedule

Others

Occur on:
Sala Foyer.

Centre Cívic Pati Llimona - Sala Foyer

Address:
Regomir, 0003
District:
Ciutat Vella
Neighborhood:
el Barri Gòtic
City:
Barcelona
Where
Centre Cívic Pati Llimona - Sala Foyer
When
From 07/11/2024 to 16/12/2024

Phone number

Tel.:
932566100