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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.

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

Tallerista: Marisol Saavedra

• Confecció d’uns PANTALONS En aquest taller intensiu aprendràs a confeccionar uns pantalons amb butxaques i goma a la cintura a partir d’un patró predeterminat (talles 34 a 54). Són necessaris coneixements bàsics de costura a màquina (enfilar, fer canilla, puntada recta).

Material a càrrec de l’alumnat: consultar a la pàgina web del centre.

• Confecció d’una JAQUETA CARDIGAN: En aquest taller intensiu aprendràs a confeccionar una jaqueta tipus cardigan amb màniga muntada (talles 34 a 54). Són necessaris coneixements bàsics de costura a màquina (enfilar, fer canilla, puntada recta).

Material a càrrec de l’alumnat: consultar a la pàgina web del centre.

• Confecció d’un MONEDER: En aquest taller intensiu aprendràs a confeccionar un moneder amb compartiments per a targetes, monedes i amb butxaques amb cremallera. Aprendràs a posar cremallera i folre. Són necessaris coneixements bàsics de costura a màquina (enfilar, fer canilla, puntada recta).

Caldrà abonar al professor, a l’inici de la sessió, 15€ en concepte de roba.

Schedule

Days	Hours	Preus	Observation
25 octubre i 28 octubre	de 17.30 h a 21.30 h	Entrada general: 35.91 € Reducció i subvenció dels imports als cursos, informeu-vos en el mateix centre Cal inscripció prèvia Places limitades	Confecció d'uns pantalons
18 novembre		Entrada general: 17.96 € Reducció i subvenció dels imports als cursos, informeu-vos en el mateix centre Cal inscripció prèvia Places limitades	Confecció d'una jaqueta cardigan
16 desembre			Confecció d'un moneder

Others

Occur on:: Centre Cívic Drassanes.
Registration at:: Centre Cívic Drassanes.

Centre Cívic Drassanes

Address:: Carrer Nou de la Rambla, 43
District:: Ciutat Vella
Neighborhood:: el Raval
City:: Barcelona

How to get there

Where: Centre Cívic Drassanes

When: From 25/10/2024 to 16/12/2024

Phone number

Tel.:: 934412280
Fax:: 934414694

Website

Web:: https://ajuntament.barcelona.cat/ccivics/drassanes
Web inscripcions:: https://inscripcions.ccdrassanes.cat/