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 :

Aquest any, el pessebre tradicional, que es traslladarà a l’interior de l’Ajuntament, es presenta amb una doble celebració que connecta el passat amb el present. D’una banda, commemorem el centenari de Joan Salvat-Papasseit, poeta emblemàtic que va treballar al Moll de la Fusta i va fer del mar una font d’inspiració per a la seva obra. De l’altra, la ciutat acull la Copa Amèrica, un esdeveniment en què el mar és també protagonista.

Aquest pessebre vol retre homenatge al mar, destacant el Moll de la Fusta com a escenari central, un espai que uneix la tradició i la modernitat amb el passat mariner de la ciutat. El disseny, creat per l’Associació de Pessebristes de Barcelona, inclou escenes emblemàtiques com el naixement, l’anunciació, el camí dels Reis i una escena de Sant Francesc, sense oblidar figures tradicionals i mundialment conegudes com el caganer.

El guarniment floral del pessebre ha estat possible gràcies a la col·laboració de l’equip de l’especialitat de Decorador/a en Art Floral del Taller d’Oficis Barcelona per la Natura, de Barcelona Activa. 

Heus aquí: jo he guardat fusta al moll.  

(Vosaltres no sabeu  

què és  

guardar fusta al moll:  

però jo he vist la pluja  

a barrals  

sobre els bots,  

i dessota els taulons arraulir-se el preu fet de l’angoixa:  

sota els flandes  

i els melis,  

sota els cedres sagrats. 

Quan els mossos d’esquadra espiaven la nit  

i la volta del cel era una foradada  

sense llums als vagons:  

i he fet un foc d’estelles dins la gola del llop. 

Vosaltres no sabeu  

què és  

guardar fusta al moll:  

però totes les mans de tots els trinxeraires  

com una fandola  

feien un jurament al redós del meu foc.  

I era com un miracle  

que estirava les mans que eren balbes.

Joan Salvat-Papasseit

Schedule

Ajuntament de Barcelona

Address:
Pl Sant Jaume, 1
District:
Ciutat Vella
Neighborhood:
el Barri Gòtic
City:
Barcelona
Where
Ajuntament de Barcelona
When
From 29/11/2024 to 05/01/2025

Phone number

Switchboard:
934027000
Tel.:
900226226