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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.

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.​

Weekend: Grec with the family, leisure and innovation at La Pionera and the Sant Jaume giants’ meeting

19/07/2018 - 10:43

Free time. Music, children’s games and workshops, sustainable commerce, gastronomy, shows, a parade, traditional pipe music and popular culture.

This weekend brings various activities to enjoy, despite the summer heat. The Grec festival is organising a family celebration on Saturday, with shows, music, workshops and games. The 10th edition of the Sant Jaume giants’ meeting is being held on Saturday afternoon too, bringing together all the giant groups in Ciutat Vella. Elsewhere, La Pionera, the innovative new venue in Poblenou, is offering two days of activities based around sustainable commerce, gastronomy, music, shows and workshops for young and old alike.

Go to the weekend website!

The Grec festival is organising a party for all the family on Saturday afternoon (from 4 pm). The celebration is being held at the Teatre Grec and the surrounding gardens. Throughout the afternoon there’s a chance to discover the various spots around the site which have been turned into spaces to prompt play and spark the imagination, with sections based around the land of giants, ephemerals, a sonàrium and the woodpecker.

There’s also the prospect of seeing musicians and actors such as Roleguita & Boquerón, Pep López and Natxo Tarrés & The Wireless, as well as music from The Pinker Tones and Xiula and the show Reggae per xics. Younger children can also meet Blanko, an immaculate character represented by JOHNman, who will end up getting painted by the kids.

New edition of La Pionera

La Pionera, which provides opportunities for people starting out, is opening its doors again this weekend. You’ll find sustainable commerce, gastronomy, leisure, music, workshops, children’s activities and shows for people of all ages. This outdoor site, where Pg. Calvell and Rbla. Poblnou meet, promotes new socio-economic innovation projects, enabling visitors to enjoy a wide array of culinary, cultural and recreational activities.

The programme starts on Saturday at 12.30 pm with the composer, pianist and singer Lu Rois. At the same time there will also be ‘pioneer workshops’ for young children. At 1.30 pm, Unpictured DJ will have people dancing along to summer music, while in the evening Taki Sounds will be performing cumbia music at 8 pm. On Sunday afternoon the Mal di Mar circus company will be offering a show, followed by a swing class which everyone can join in with.

Giants get together in the Gòtic neighbourhood

For lovers of popular culture, traditions and music by gralla pipe and percussion groups, Saturday is the day. Over the last few years, around the day of Sant Jaume (25 July), the giant group of the same name pay homage to their patron with a gathering of giants, this year in its tenth edition.

The parade starts at 5.30 pm with a static display of giants in Plaça de la Mercè, with all the giant groups from the district of Ciutat Vella taking part: the Gegants del Pi, the Gegants de la Plaça Nova, the Gegants de la Barceloneta, the Gegants del Raval, the Gegants del Casc Antic and the Gegants de Sant Pere de les Puel·les. At 7 pm the parade returns to the starting point to perform the dances of honour and round the celebrations off.

 

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