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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Taller 'Laboratori vocal' *NOU*

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Traductor de google :

En el taller entendrem que la veu és part del nostre cos i que, per tant, cos i veu van sempre lligats. També és un instrument, que pot emetre una infinitat de sons, sense que aquests siguin necessàriament convencionals. Sentir en la meva pròpia veu que puc ser un contrabaix, un tambor, un solista i llavors puc usar la meva veu harmònicament, rítmicament i melòdicament. 

Utilitzarem els següents mètodes: Mètodes de Joc, Teatre físic, Mètode Lichtemberger de la fisiologia vocal, Circle singing i CVI (improvisació vocal col·laborativa), Escolta i percepció constants.

A càrrec de Silvia Thomas.

Schedule

DaysHoursPreusObservation
Dijous
de 19.00 h a 20.30 h
Entrada general: 58.98 €

Reducció i subvenció dels imports als cursos,

informeu-vos en el mateix centre

Cal inscripció prèvia

Places limitades



Others

Occur on:
Centre Cívic Sant Andreu.
Registration at:
Centre Cívic Sant Andreu.

Centre Cívic Sant Andreu

Address:
Carrer Gran de Sant Andreu, 111
District:
Sant Andreu
Neighborhood:
Sant Andreu
City:
Barcelona
Where
Centre Cívic Sant Andreu
When
From 03/10/2024 to 28/11/2024

Phone number

Tel.:
933119953
Fax:
933117072

Website

Web:
https://ajuntament.barcelona.cat/ccivics/santandreu
Web inscripcions:
https://santandreu.inscripcionscc.com/