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 :

Us agradaria passar una nit al Museu de la Ciència CosmoCaixa? Us convidem a descobrir-ne els secrets nocturns… i a dormir a l’Amazònia! El Bosc inundat del Museu de la Ciència CosmoCaixa es converteix en un dels escenaris d’una nit molt especial, pensada per a famílies amb nens i nenes d’entre 7 i 12 anys. Descobrirem com és un dels ecosistemes més diversos i espectaculars del planeta i com viuen i es relacionen els seus habitants. Atenció, però: ho farem a la nit, quan el Museu hagi tancat les portes.

Visitarem el Museu amb una llanterna a la mà, acomiadarem el dia amb Històries de la selva i dormirem davant del Bosc inundat, on podrem veure com alguns animals d’aquest trosset de selva amazònica s’activen a la nit... Quan es faci de dia i després d’esmorzar, tornarem a passejar per aquest bosc per veure com es desperten les espècies que hi viuen i els prepararem el menjar. Us proposem visitar el Museu de la Ciència CosmoCaixa com no ho heu fet mai. Prepareu els sacs de dormir! S’apaguen els llums del Museu i comença l’aventura!

Programació

19.30 h - Benvinguda i recepció. Vestíbul del Museu, planta 0. Baixada fins a les grades de la planta -5.

20 h - Activitat: Experimenta el Museu.

21 h - Sopar al restaurant i preparació de la zona de descans, davant del Bosc inundat.

22 h - Activitats: visita nocturna pel Museu en pijama i llanternes, i després, sessió de contacontes amb Històries de la selva.

23.30 h - 7.30 h - Descans.

7.30 - 8.30 h - Després de llevar-nos, desmuntarem la zona de dormir i anirem a esmorzar.

8.30 h - 9.30 h - Activitat: visita matutina a Mira com esmorzen els animals del Bosc inundat.

9.30 h - Comiat i final de l’activitat.

Consulta la programació que tindrem durant la nit aquí.

Schedule

Others

Occur on:
CosmoCaixa Barcelona.
Organised by:
CosmoCaixa Barcelona.

CosmoCaixa Barcelona

Address:
Carrer d'Isaac Newton, 26
District:
Sarrià-Sant Gervasi
Neighborhood:
Sant Gervasi - la Bonanova
City:
Barcelona
Where
CosmoCaixa Barcelona
When
From 23/11/2024 to 22/02/2025

Phone number

Switchboard:
932126050