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 :

Les fotografies de Bill Armstrong incorporen com a tema central la figura humana, en el seu cas inspirada en l’art clàssic i grec, i es distingeixen per l’ús del color i el difuminat. L’exposició presenta una selecció de les obres que han servit per il·lustrar la imatge gràfica de la temporada 2024-25 del Palau de la Música Catalana i mostrar-ne, d’una manera molt suggeridora, la temàtica: la fragilitat i fortalesa humana, que és, en essència, la matèria primera dels herois i els antiherois. Conceptes que connecten amb el fil conductor de la temporada 2024-25 del Palau, l’heroisme en la música, amb el lema “La música més humana” .

En l’exposició al Palau es podran veure 25 peces de la seva obra. Els dibuixos originals intenten capturar la figura humana en una acció concreta, ja sigui a partir d’escenes bíbliques, mitològiques o històriques. El procés accentua aquesta extracció allunyant-los més del seu context i afegint una nova psicologia del color als dibuixos acromàtics. El desenfocament extrem esborra trets, dissol la identitat i enfosqueix la individualitat, tot conservant l’essència del gest original, de manera que una figura religiosa del segle XV pot tenir avui una rellevància secular.

Nascut a Concord (Massachusetts, EUA) el 1952 i establert a Nova York, es llicencià magna cum laude en història de l’art per la Universitat de Boston. L’obra fotogràfica de Bill Armstrong té com a segell creatiu l’ús del color i el difuminat, i troba en la figura humana i en l’art clàssic grec i romà una important font d’inspiració. La seva àmplia trajectòria artística inclou obres a les col·leccions del Philadelphia Museum of Art, Brooklyn Museum, Houston Museum of Fine Arts, Santa Barbara Museum of Art o Getty Center, als Estats Units, i també a diversos països europeus, com ara a la Victoria & Albert Museum de Londres o Bibliothèque Nationale de França.

Els Museus Vaticans acullen el mural de nou fotografies que porten com a títol Sistine Chapel gestures i recullen algunes de les figures més icòniques del monumental fresc que Miquel Àngel va pintar a la Capella Sixtina.

Schedule

Palau de la Música Catalana

Address:
C Palau de la Música, 2
District:
Ciutat Vella
Neighborhood:
Sant Pere, Santa Caterina i la Ribera
City:
Barcelona
Where
Palau de la Música Catalana
When
From 07/10/2024 to 15/12/2024

Phone number

Tel.:
932957200
Fax:
932957210