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 :

En aquest taller crearem un coixí reutilitzant teles i llana verge de races autòctones catalanes d’ovella Ripollesa i Xisqueta, que prové de la masia municipal Can Calopa de dalt, de Collserola. A través d'aquesta experiència pràctica on cardarem la llana i la utilitzarem per farcir el nostre coixí, no només fomentarem la reutilització de materials, sinó que també connectarem amb la rica tradició de la ramaderia local, tot reflexionant sobre l'impacte de les nostres eleccions al medi ambient.

Tot això de la mà de Can Calopa, d'Espai Consum Responsable, Barrina artesania de la llana donant suport en el procés de rentat de llana verge i d’Aglaya Huguet. Aquest últim, és un projecte que busca resoldre la problemàtica del residu tèxtil, oferint una alternativa sostenible al seu tractament i reutilització. El seu objectiu és allargar el cicle de vida dels materials tèxtils a través d'un procés creatiu i sostenible.

Aquesta activitat de RECUPERACIÓ DE SABERS TRADICIONALS TÈXTILS, vol reflexionar sobre la importància de recuperar el valor de la llana local, els coneixements tradicionals i incorporar pràctiques quotidianes de reutilització, de conscienciació del sector tèxtil i del consum responsable.

Taller coorganitzat amb Centre Cívic Vil·la Urània, la masia municipal Can Calopa de Dalt i Espai Consum Responsable. Barrina, artesania de la llana és una entitat col.laboradora en el procés del rentat de la llana verge.

Material:

- Cal dur un retall de tela exterior de 50 x 100 cm.

Professor/a: Espai Consum Responsable, Aglaya Huguet, Cooperativa Olivera

Schedule

Others

Occur on:
Centre Cívic Vil·la Urània.
Registration at:
Centre Cívic Vil·la Urània.
Organised by:
Centre Cívic Vil·la Urània.
Organised by:
Masia Can Calopa.
Organised by:
Espai Consum Responsable.

Centre Cívic Vil·la Urània

Address:
Carrer de Saragossa, 29
District:
Sarrià-Sant Gervasi
Neighborhood:
el Putxet i el Farró
City:
Barcelona