Plan to digitalise local commerce

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.

Comerç. Municipal government measure to stimulate online sales among retailers and stallholders, with training and digitalisation grants.

En els propers dos anys s'impulsaran diferents accions perquè els comerços i les parades dels mercats de la ciutat tinguin més presència a la xarxa i incorporin la venda en línia. L'objectiu és que les botigues esdevinguin punts de contacte amb la clientela del barri tot i que la venda es pugui fer per canals remots.

Video. Agustí Colom: “We want to offer a greater ability to compete with new technologies and conserve the model of quality local commerce which characterises our city”.

Barcelona Activa’s Business Support Office will provide a tool for retailers to analyse their level of digital maturity and put together a plan of recommended action to move forward. This analysis will later enable them to access municipal grants to go digital, aimed particularly at commerce with weaker digital profiles.

Different training itineraries are to be defined according to the digital profile of each user, as well as advice and support during the process, subsidies for the investment needed and small-scale pilot schemes to address sectoral and customer demands.

A catalogue of digital applications for commerce will also be created, providing information on important new features and success stories to help inspire other retailers.

According to the Digital Maturity Study in 2017, only 7.71% of city commerce has an advanced digital profile. The study noted a digital divide according to the type of business and territorial location, which this measure seeks to reduce.

Share this content