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],"qdNeEH",[3771],"qeWBvL",[3770],"qfL4_n",[3769],"qgDry0",[3768],"qitPxp",[3767],"qoMHw3",[3766],"qoeyCD",[3765],"qvWGzP",[3764],"r43zhQ",[3763],"r4z95g",[3759,3760,3761],"r6ADyi",[3756,3757,3758],"r7uSl9",[3755],"r9YmhB",[3754],"rMWJLq",[3753],"rMvUFT",[3752],"rNp3NJ",[3749,3750,3751],"rOa5-l",[3748],"rQ2aHx",[3747],"rYRtl2",[3746],"r_ybYX",[3736,3737,3738,3739,3740,3741,3742],"rdelVs",[3735],"reJDfZ",[3732,3733],"rikkNS",[3731],"riy_lJ",[3730],"rpcocY",[3724,3725,3726,3727],"rrt_sj",[3723],"rvmJmj",[3719,3720,3721],"rxcKi8",[3718],"rxjFD7",[3715,3716,3565],"rzSaLx",[3714],"s-Pl2B",[3713],"s-wtdm",[3712],"s1XOrR",[3711],"s276Ki",[3710],"s2QZS6",[3709],"s3Zz4L",[3708],"s85Hcq",[3707],"s8tYz4",[3706],"s9KGXU",[3705],"sADvLE",[3702,3703],"sBJ5MF",[3701],"sCtyHQ",[3700],"sIDnyV",[3697,3698],"sLRPig",[3687,3688,3689,3690,3691,3692,3693],"sRFr28",[3686],"sRMACl",[3685],"sSfgf0",[3684],"sU0F6k",[3681,3682],"sUYyF1",[3680],"sXKb3l",[3679],"s_Etne",[3678],"saJL_e",[3677],"sfTinJ",[3676],"sgv9e6",[3675],"sk5esN",[3674],"srQhmA",[3673],"sri3sh",[3672],"st-73C",[3671],"suTEix",[3670],"t1HikA",[3667,3668],"t2SrTO",[3666],"t6IJZh",[3665],"t6Lsuv",[3664],"t7dCqo",[3663],"tCJC8F",[3657],"tHE2TH",[3656],"tIoGcQ",[3655],"tU-vrL",[3654],"tW_wOM",[3653],"tZ3sOc",[3652],"t_YqKh",[3651],"thVWoR",[3650],"tlkYEI",[3649],"tpLdOO",[3648],"tpLe9U",[3645,3646,3647],"tq8_da",[3644],"tqCpWZ",[3643],"tqiFqX",[3642],"trBqy2",[3641],"trt37R",[3639,3640],"tsvYTC",[3638],"tuQHL7",[3637],"tv3lrn",[3636],"tyPxQV",[3633,3634],"tyx4Qf",[3632],"u2b-UP",[3631],"u8u7cu",[3630],"uAQUqI",[3629],"uBAxNB",[3628],"uCbyFD",[3625,3626],"uCgBlc",[3624],"uEeiyv",[3623],"uGUC3X",[3622],"uJ-Ve2",[3621],"uRSpAn",[3620],"uZa3zF",[3619],"u_Adpv",[3618],"ueebPW",[3617],"uhtuUt",[3616],"ui6wUe",[3615],"ujbfvC",[3614],"ujcSHo",[3613],"uoiix4",[3612],"uqXRdM",[3606,3607,3381,3608,3609],"uqhm3U",[3599,3600,3601,3602,3603],"uvRT8q",[3598],"uvWPOy",[3597],"uvkA26",[3596],"uwb1c8",[3595],"uzS9E3",[3594],"uzx7p0",[3593],"v15Bu4",[3592],"v2at0H",[3591],"v4nCHK",[3590],"v5FyiB",[3589],"v5sfJs",[3588],"v5z3Dz",[3574],"v8yujS",[3573],"vI-3rB",[3572],"vLyv1R",[3571],"vMK52s",[3570],"vMZC5c",[3569],"vMyDgh",[3568],"vO-EBQ",[3567],"vR4Ce7",[3563,3564,3565],"vXIe7J",[3562],"vZ7kCY",[3561],"vcSJ9P",[3557,3558,3559],"viJSRT",[3556],"vkNldO",[3537,3550,3551,3552,3553],"vkkdnb",[3547,3548],"vmkjW2",[3546],"vo-Hb4",[3545],"voNxmd",[3544],"vrtWwV",[3541,3542,3543],"vrz0cZ",[3537,3538,3539],"vukY5F",[3534,3535,3536],"vv7kpg",[3533],"vzRSl8",[3532],"w0acKu",[3531],"w16sn5",[3530],"w6HHNy",[3526,3527,3528],"w80YWM",[3525],"wDZCee",[3524],"wHYA7p",[3523],"wMHvYH",[3522],"wMoQlB",[3521],"wO2mrw",[3520],"wPOiPW",[3519],"wS3Maq",[3518],"wSVOQ3",[3515,3516],"wT-S6S",[3514],"wTLUiP",[3513],"wVyikt",[3510,3511,3512],"wWIKms",[3509],"wWYCUL",[3506,3507],"wWzO5d",[3505],"w_B2OA",[3504],"wckWOP",[3503],"wdxz7K",[3502],"wfgFYb",[3501],"wiZr1T",[3498,3499],"wibUUa",[3497],"wlQNTg",[3496],"wn4GOk",[3495],"wpT1VN",[3494],"wppGY2",[3493],"wubeCO",[3492],"wugSuo",[3491],"wwu18a",[3490],"wziUDp",[3482,3483,3484,3485,3486,3487,3488],"x-LjwG",[3479,3480],"x0cX10",[3478],"x81YTl",[3477],"xCJdfg",[3476],"xKkgxI",[3475],"xLZE0a",[3474],"xRObeW",[3473],"xRT3st",[3472],"xRk15s",[3471],"xSkRaO",[3470],"xXBBGo",[3469],"xXOJT4",[3468],"xXOir9",[3461,3462,3463,3464,3465],"xZ4sNd",[3445],"x_6eQ0",[3444],"xbMP9_",[3443],"xbgdPh",[3442],"xbv1mx",[3441],"xdTPOt",[3440],"xfr3LK",[3433,3434,3435,3436,3437],"xg4AzD",[3432],"xhzidC",[3431],"xm0dy7",[3430],"xmrpq6",[3429],"xnce-M",[3428],"xoCj5t",[3427],"xp31aW",[3426],"xr7dTR",[3425],"xrQZ8p",[3424],"xs5_Cv",[3417,3418,3419,3420,3421],"xwFKBa",[3416],"xxCtZv",[3415],"xxsw3W",[3414],"xxv2hC",[3413],"y3HaQk",[3412],"y6YyfX",[3411],"y78TXz",[3410],"y87mbK",[3409],"yAIagf",[3408],"yBhMVn",[3405,3406],"yCgjEu",[3404],"yHdbuH",[3403],"yIig-l",[3396,3397,3398,3399,3400],"yJCVvk",[3395],"yKu_3Y",[3394],"yLmWDp",[3393],"yPKOyi",[3392],"yPVxAp",[3391],"yQE2r9",[3390],"yS75mk",[3389],"yVlnev",[3388],"y_Aagj",[3387],"yaNT-X",[3386],"yc-C5q",[3385],"yclTyp",[3379,3380,3381,3382],"yd3m3Q",[3378],"ydGIfA",[3377],"yeryCi",[3372,3373,3374,3375],"yh6-8e",[3371],"ymSiZu",[3370],"ynZfHl",[3369],"yqqsIV",[3368],"ytAEuk",[3367],"ywJRL7",[3366],"ywj7ZV",[3353,3354,3355,3356,3357,3358,3359,3360,3361],"yxGjkk",[3351,3326],"yxvWO4",[3350],"yz7wBu",[3349],"z0t9bb",[3348],"z42YHa",[3347],"z4U0aB",[3346],"zAp1P7",[3345],"zDIQw2",[3344],"zDfdMJ",[3343],"zFXpVJ",[3342],"zKanhi",[3341],"zKn12d",[3340],"zMS-gU",[3339],"zNovo9",[3338],"zPGNJm",[3337],"zPPcuu",[3336],"zQ5RYu",[3335],"zQI9a4",[3334],"zYV2Bg",[3333],"zbTcOZ",[3332],"zkTnz4",[3331],"zkWmBh",[3330],"zp5Vve",[3329],"zpB4Wj",[3328],"zr_rgS",[3325,3326],"zrlvb6",[3319,3320,3321,3322],"ztGxi6",[3318],"zvv-wF",[3317],"zz43gd",[3316],"zzp4XX",[3315],"Valid until","Remove period","Sale price","Declined",[3324]," is missing too soon: its certificate was due on ",[3323],", which has passed. This gap has to be met from own funds or by moving a cost.","certifyOn","shortfall",[3327]," m²","buildingM2","Certified work","The password is too short.","Yearly","Username or password is incorrect","No cash movements in the horizon yet.","Buildings","Remove contract","This is the contingency reserve (imprevistos)","New note","Transfer","Template line deleted","No dated expenses to show yet.","Repayment option","The mortgage deed, the bank offer, contracts.","Refinanced","Until","Reinvested in a new main home (€)","New certification","Effective cost","No standard chapters.","Login","Close","Edit the programme in Costs ▸ Programme. What a drawdown may certify follows from it: only work that is standing.",[3352],"parcelM2","No MBC on record for the town, so this is calibrated from what already stands on the plot: ",[3365]," m² valued at ",[3364],", aged ",[3363]," years at the ponencia. That gives ",[3362]," per weighted m², which is a property of the municipality — the plot’s own type and age are divided back out, so nothing about it carries into the new build.","unitLabel","anchorYears","anchorValue","anchorSurface","The most the bank discounts off the gross rate, however many bonifications stack — it also sets the carencia rate.","Add instalment","phase","Linked cost","Only certifiable chapters appear here — keep them coarse. The detailed work lives in the positions underneath them; the real cost column sums those positions per chapter. Toggle which chapters are certifiable in Admin.","Save first, then link or create a cost.",[3324]," is missing after the loan's drawdown window has shut — the last certificate it accepts is ",[3376],". No tranche can reach this; it is own funds or a deferral.","lastCertifyOn","Search IVA rates…","Costs","Split ",[3384]," of ",[3383],"budgetLabel","splitLabel","Manage projects","Search companies…","Recurring household income & living expenses over time.","Used by payments · buffer","Write the instalment dates as MM-DD, separated by commas (e.g. 04-30,07-31,10-30).","Loading","charged instead — your figure wins","Adelanto %","Generate a password","Restore","e.g. bank, brokerage, crypto…","…and ",[3402]," even if the whole ",[3401]," contingency reserve is spent. A reserve is money you hold, so both figures are true — the first is your buffer, the second is what survives an overrun that uses it up.","reserveLabel","spentLabel","Sale","Make active",[3407]," apart from the payments recorded on these lines — this document changes nothing until they agree.","delta","Your household's name and the currency every amount is shown in.","− Devolución","Land and construction are valued separately but taxed as one base. The tax falls due on 1 January against that day’s owner, so the year a plot is bought still belongs to the seller. Record a new valuation when the Catastro re-assesses — after an obra nueva, that is what makes the plan step.","No plots yet. Add one from its address to get started.","Timing","Save conditions","Income","Rows per page","Terrains","The horizon starts ",[3423],", before your savings snapshot (",[3422],") — the balance is applied to months it wasn't known for.","snapshot","start","Delete this tenant?","Add chapter","Details (optional)","gewerk","Programme","Add building","Own funds already invested","Before the first drawdown","No household","Your evidenced acquisition cost of ",[3439]," is saving ",[3438]," of tax on this sale. Spending you cannot evidence saves neither this nor the works levies.","basisValueLabel","costBasisLabel","The build programme: the stretches the site actually runs in. A phase spans several chapters, and a chapter can be built across several phases — Estructura for the ground floor, then again for the upper one. The share says how much of the chapter each phase builds, and that is what a drawdown is checked against.","from its chapter's certification","Dipped below zero during the year","mortgage payoff","Ends",[3446,3447,3448],"0","plural",{"_3449":3450,"_3451":3452},"one",[3453,3458,3459,3460],"other",[3453,3454,3455,3456],"#"," payments (",[3457],") are dated before the certifications they draw on — that bank money hadn't arrived.","amount"," payment (",[3457],") is dated before the certification it draws on — that bank money hadn't arrived.","Future income is not a source here. Even counting the +",[3467]," the household nets over the horizon, ",[3466]," is genuinely missing — no date change fixes that: it needs more money or less scope.","missingLabel","netLabel","Delete permanently?","Chapters and companies are managed in <0>Admin— typing a new name here just quick-creates one.","No certification","Cost basis: each capital line at the higher of its budget and its payments, plus direct expenses without a budget line.","Buildings without a terrain","Coverage","Grace period (months)","Net this month","Clear","Standard chapter deleted","Cost not saved — a name and amount are required","Next: ",[3481],"nextPaydayLabel","Certify ",[3457]," by ",[3323]," — the money lands ",[3489],", the day the plan runs short.","landsOn","Icon","Assign only the mortgage cash used for this payment. Any remainder stays attributed to the recorded payers' own funds.","Members & roles","Building deleted","Condition","This dwelling’s plot has no municipality linked, so no tariff applies and no waste fee can be derived.","Members","In","Deleted ",[3500],"when","cash","Source","Manage","Agricultural","Payment deleted","Download ",[3508],"name","Days from the certified work to the money leaving. Shifts every date the plan DERIVES (the build phase, the chapter's drawdown, fin de obra) — never a due date you typed, which is already the day you mean to pay. A single budget line can override it.","The build is ",[3457]," short — the money arriving before completion does not cover what is left to pay.","Money in, just in time","Money left over","Delete ",[3517],"projectName","Add budget line","Household net","Surface (m²)","Only certifiable chapters appear here — keep them coarse. The detailed work lives in the positions underneath them; the effective cost column sums those positions per chapter. Toggle which chapters are certifiable in Admin.","Value","Certifiable","The towns where your land lies — their municipal rates (IBI, …) are reused across the household’s projects.","Record","Remainder ",[3529]," keeps the line's own date.","rest","Partial repayments","Cadastral value — land","Payment day","Cancelled","“",[3508],"” and all its projects, documents and files are erased for good. This can't be undone.","· ",[3540]," of the advance has no budgeted work behind it","beyond","That is all the build can honestly certify by then. The remaining ",[3529]," cannot come from the bank — it has to be own funds, or something has to move later.","New payer name","Cadastral reference","Title image","Filtered by ",[3549],"filterPayerName",[3555]," retención withheld, payable on acceptance (",[3554],")","release","retencion","Last page","The ",[3560]," retención is conditional on finishing on time — a late completion loses it, and no fin de obra is set yet.","retentionLabel","Targets…","Language","Everything counted up to ",[3566],".","windowLabel","Pick the chapters this drawdown draws and the share of each (a chapter can be split across several drawdowns — draw part now, the rest later).","A name is required.","Retención released on","Cadastral value — land (€)","Hide","Incomplete — the SAVED terms stay in force until you press “Remove contract”.","Name the role, then tick its rights in the matrix. It starts with read-only access.",[3446,3447,3575],{"_3449":3576,"_3451":3577},[3583,3584,3453,3585,3586,3587],[3578,3579,3453,3580,3581,3582],[3457]," paid across "," budget lines (",[3508]," the largest) has no work certification behind it.",[3457]," paid on "," budget line (",[3508],") has no work certification behind it.","Build window (this project)","Select…","Paid","trade","What the build is budgeted to cost — budget lines by chapter. Payments are booked against them, so you see plan vs. actual.","Could not create the invitation.","Reduction (%)","Financing by drawdown window","Plan the bank's certifications and what each certifies.","Cost basis","Record the exit — the sale date and price. Sale costs (taxes, notary, agent) are budget lines under the “Sale” chapter. Marking the project “sold” finishes it.","The runway is ",[3605]," short around ",[3604],". Nothing here gets cancelled — these are the costs you marked as slideable, pushed until the money is there.","shortMonth","short","Uploading ",[3611],[3610],"…","progressTotal","progressNow","New repayment","The offer matches the mortgage.","No terrains yet.","Planning horizon","No budget lines yet. Add the project's budgeted cost lines, grouped by chapter.","The passwords don't match.","Levy","Invite to the household","The retención is released only once the works are certified finished — a late completion loses it.","Region","Living in it","Create a new project to organise all of its data on its own.","Town","Planned for ",[3627],"scheduleDateLabel","Editor","Status","Contingency reserve — not a cost until spent","A municipal levy is set for a whole year, so each year holds exactly one value. A year with none of its own uses the most recent earlier one — the ordenanza stays in force until a new one replaces it."," / yr",[3635]," available","availableLabel","IVA","Liquidity risk","No cost","Toggle ",[3508],"Runs out","Below the red line means you run out of cash.","No repayments yet.","Municipality deleted","The initial disbursement + certification tranches exceed the mortgage by ",[3457]," — the bank won't lend past the agreed amount.","Money in","The builder's own certificaciones de obra — work certified, extras, and the two deductions that make the transfer smaller. Each is checked against the payments already recorded; none of them changes the plan.","Money role","Remove","Search chapters…","At least 3 characters.","Who paid","No new budget lines to add — the template is already in.","Money-givers are repaid at face value first; the owners split what is left in proportion to what each actually put in. This is the household's split — who declares the gain to Hacienda follows the deed, on the Owners tab.",[3446,3447,3658],{"_3449":3659,"_3451":3660},[3453,3662],[3453,3661]," partidas"," partida","Your due date wins — the phase would only date this line if you cleared it.","Family (planned, to repay)","Payment term (days)","Could not change the password.",[3669]," of position budgets sit outside the certifiable chapters — own-funded, not part of the bank offer.","ownFundedLabel","Company or person (own work)","End balance","The amount that left the account. Empty = compute it from the percentage above.","No budget lines match this filter.","Prepayment","Bank money and contracts","logout","Lends money — gets it back, no gain","No people yet.","Exchange rate","Manual / open-ended",[3683]," — no collection calendar on record, so the plan assumes one annual charge. Add the due dates of its fracciones under Directories ▸ Municipalities.","town","Days before month end","At least one line only fits past the end of the planning window — the plan ends when the last deferred cost is paid, so extend the horizon to see whether it really closes.","For sale","+ IVA ",[3696]," = ",[3695]," (",[3694]," %)","ratePct","totalStr","ivaStr","Currently ",[3699],"completionDateLabel","Upload files","Sources","Select ",[3704],"imageName","Sold","Nothing is outstanding — every budget line is fully paid.","After you hand in the builder's work certificate the bank inspects the site and then has this long to transfer. The money — and the interest on it — starts on that later date, not on the drawdown's planned date. 0 = same day.","Drives the devolución deducted from every certification.","Companies","Tasa de residuos (waste fee)","Looking up public records…","Coste de ejecución material — breakdown","The constructions on your plots — their cadastral value counts toward IBI only from completion.","Loan cost","Final cost ",[3717],"finalCost","Exento (0%)","Instalments exceed the budget by ",[3722]," — the excess won't book.","excess","Role (this project)","Budgeted ",[3729]," — the catalogue now computes ",[3728],"catalogue","budgeted","Safety, quality control and waste — STS 17.11.2005","Taxable base",[3734],"'s total","who","Take it over","Cash runs short around ",[3745]," — down to ",[3744]," at its worst in ",[3743],". Neither deferring nor drawing closes it: it needs more money or less scope.","worst","deep","month","Not saved — the budget line needs a name.","Leave empty while the borrowers above also pay. Fill it only when the household splits the instalments differently — then every per-person figure follows this instead.","Search regions…","Future income is not a source here: the household nets +",[3467]," over the horizon, which covers the gap. So this is a TIMING problem — the money arrives later than the costs. The liquidity line shows when, and “How to close the plan” shows what to move.","Budgets + interest","Reference value (€)","Lowest point","Password copied","plus ",[3446]," only after completion","Whole household · ",[3762]," projects share this one pot. Below the red line means you run out of cash.","projectCount","Bonification deleted","Collapse all","Source deleted","Borrowers","One-off","Gross","Enter a sale price and this splits the proceeds: the money-givers repaid first at face value, then the owners pro-rata to what each actually put in.","A fixed start date","Fianza de reposición de servicios","Group the bank offer's certifiable chapters into certifications: each releases a tranche = the financed amount of its chapters (offer × the loan-to-value). Planned ones are provisional (simulation); certified/received are effective. The surplus is the tranche above the real cost — mortgage money beyond what that work costs.","No budget lines in this chapter.","Photo","The catalogue now computes ",[3728]," for this levy — ",[3780]," more than was paid. The line stays as it is; the difference is what the tax office could still assess.","gap","Outside the construction period","Nothing certified yet.","New municipal period","Extra repayments lower the balance — less interest, earlier payoff.","Who gets what back","Create new login…","Edit rate","Payment plan","Lends money","on this one","Principal","Share of the chapter (%)","Search levies…","The standard budget lines a new project can load in one click. Edit, extend or correct them here — changes apply to future loads. Amounts always start at 0, and loading skips lines that already exist.","No previews yet","Who contributes money — a person here does not need a login. An owner brings their own capital; someone marked “Lends money” is fronting money the owners repay. Link a login only for people who should actually use the app.","Dark","Who signs the loan. Their share applies to the cuota they pay and the disbursement they receive.","payment","That change was rejected.","No IBI can be derived for that year — check the cadastral valuation and the municipality's rate.","Workspace","Could not add that address.","No terrains or buildings yet.",[3446,3447,3806],{"_3449":3807,"_3451":3808},[3453,3810],[3453,3809]," members"," member","Carried from the loan being refinanced — adjust for a cash-out or paydown.","Not finished — certifying needs every position in these chapters done: ",[3814],"incompleteNames","IBI rate (%)","Running costs of the finished house","dark","Chapters are the project's phases — planning, land, fees, the construction trades, recurring costs. Drag to set their lifecycle order. Only certifiable chapters take part in the bank offer and certifications.","Pick or create a chapter","Inspection fee per drawdown (",[3822],"currency","Add person","when its build phase ends","They lose access to all of the household's projects. Their login and any data they entered stay; you can invite them again later.","Collapse ",[3508],"Search phases…","My Household","Only certifiable chapters appear here — keep them coarse. The detailed work lives in the positions underneath them; the real cost column sums those one-off positions per chapter (recurring running costs aren't certified work and are left out). Toggle which chapters are certifiable in Admin.",[3833]," of older payments is not assigned to a billing period yet.","recurringUnassignedPaidLabel","Even after moving everything slideable, ",[3840]," is missing around ",[3839]," — that is not a timing problem: it needs more money or less scope.","missingMonth","missing","The bank pays out the whole loan at signing — no certifications, inicial or retención.","No notes yet.","Household default","Certification deleted","Set the planning horizon",[3446,3447,3847],{"_3449":3848,"_3451":3849},[3453,3851],[3453,3850]," lines are settled, exactly on their estimates."," line is settled, exactly on its estimate.","Land","Figures are certified WORK. Where a builder contract is in place the bank account sees less per certification — the adelanto netted off and the retención held back; each budget line's drawer names its own bridge.","Build phase","Cadastral value — construction","This project has no household.","Building","Income & expenses","No access","Until the first disbursement","Previous paid off","Filter","Only the display name changes — the file itself stays the same. Leave it empty to fall back to the file name.","Movement","% of the ",[3868]," contract","pickedBudgetLabel","An OWNER's money comes back pro-rata to what they actually put in, plus their share of any gain. Someone who LENDS is repaid off the top before the owners split anything — their money back, no interest and no share of the gain. Nothing to do with the access role above.","Something went wrong","Reserve for the unforeseen","Pick dates","Savings & income","New password (min. 8 characters)","No certifiable chapters yet — mark a chapter certifiable in Admin.","Deepest point ",[3878],"troughLabel","Not in a phase","Taxable gain","The plots (fincas) of this project — their cadastral land value and the municipality whose IBI rate applies.","All notes","firm","Empty follows the budget: ",[3895]," net of IVA, from ",[3889,3447,3890],". Type the figure the Ayuntamiento or the escritura sets, and it wins.","worksCostLines",{"_3449":3891,"_3451":3892},[3453,3894],[3453,3893]," lines that count as works cost"," line that counts as works cost","derivedWorksCostLabel","Download","Balances count as their value on the “as of” date; the cashflow simulates every in/outflow after it. Move this date forward once ALL the balances above are current — it is household-wide, and everything dated on or before it is treated as already inside them (so moving it early swallows the payments and income in between).","No users match.","Create lines","Savings sources","The username needs at least 3 characters.","1 CHF = ",[3905]," EUR","rateLabel","Construction value","Urban","Billed to date","Date","Built in","Counts planned but not-yet-confirmed bank tranches toward the liquidity line and the funding verdict, and shows still-open budget on the chapter timeline. Off = only what's effectively paid or committed.","Title (required)","in force","Signing in…","Financing & insurance",[3446,3447,3917],{"_3449":3918,"_3451":3919},[3453,3458,3922,3923],[3453,3454,3920,3921],[3457],") left before their drawdowns' money could arrive — the bank pays days AFTER the certificate, so they were funded from savings.",[3457],") left before its drawdown's money could arrive — the bank pays days AFTER the certificate, so it was funded from savings.","e.g. the Müller household","Remove as title image","Cadastral value — building (€)","Amounts are certified WORK — under a builder contract the bank account moves by less (adelanto netted off, retención withheld).",[3446,3447,3929],{"_3449":3930,"_3451":3931},[3941,3942,3943,3944,3945,3946],[3453,3932,3933,3934,3935,3936,3937,3938]," deposits (",[3457],") are yours to reclaim, the oldest ",[3940]," since ",[3939],". Nobody hands them back unasked.","4","3",[3457]," is yours to reclaim — ",[3948],", released since ",[3947],". Nobody hands it back unasked.","2","1","The bank's fee for repaying early. 0 if none.","Every budget line with money still open, in the order it leaves — with the running total you need by each month. One row per line, not per payment.","Add","The advance (",[3958],") books from this contract on its date — do not record it as a payment too. Every certification then costs ",[3957],"% in cash; the withheld retención settles on the release date.","pct","advanceLabel","Horizon (",[3965],"–",[3964]," months)","MAX_MONTHS","MIN_MONTHS","Dates come from the plan: a date you typed on the line, else its build phase, else the drawdown that finances its chapter — each shifted by the payment term. Amounts are what is still open on the line (budget minus what has been paid).","Until mortgage payoff","Add payers in <0>Admin first.","Chapter deleted","What the ICIO settled after the works and the AJD on the escritura are charged on, and what is kept out of it. A deduction only counts if the budget itemises it, so each one is listed with its ground — this is the breakdown to file with the definitive assessment.","Heads-up: not every position is done yet in ",[3814]," — partial certification is fine, just confirming it's intended.","Tight","The bank draws against certifications as the build progresses, with an inicial and a retención held to fin de obra.","Load template","Gap of ",[3979],"deltaLabel","Certificate","everything the bank pays out, in order","Recently deleted","until payoff",[3446,3447,3985],{"_3449":3986,"_3451":3987},[3453,3989],[3453,3988]," certifications fall after the grace period — at risk of not being drawn."," certification falls after the grace period — at risk of not being drawn.","Δ ",[3407],"No companies yet.","Every role can view all of a project it belongs to — reads aren't restricted. Owner-only rights can't be granted to a custom role.","todo","This chapter is certified by ",[3998]," — deleting it unlinks it from that certification.","certList","owner","What the deed says, and since when. Record a new dated set when the ownership actually changes — a refinance to two names, an agreement — and the earlier one keeps governing everything before it. This is not the payout key: what each person gets back at a sale follows what they put in.","Certification","Welcome! Let's set up your project.","Contract","Max. ",[4007]," MB per file","maxUploadMb","Opening balance",[4011]," with settlements counted","effectiveTotalLabel","Open only","Colour","Bank","Bank money during the build","Delete payment","No company has a works contract yet — a certification needs its adelanto and retención terms to be checkable, so it is recorded against a contract.","Still to pay","Plan and record the exit. Sale costs (taxes, notary, agent) are budget lines under the “Sale” chapter; the gain is derived.","Change title image","Finances","The Ayuntamiento's rates — ICIO and the licence fee (% of the PEM), the waste fee, the plaque and the refundable deposits. Entered per municipality; a rate change is a new period.","Nothing derivable yet — record a cadastral valuation above and an IBI rate for the municipality.","in ",[4026],"claimingName","Empty = planned at grace-period end.","Retention (held)",[4031]," free","freeLabel","Platform admin",[3446],[4036],"% of the budget","paidPct","Phase","Search icons","Planned (simulation)","Open in Notes","The bank pays out the whole loan at signing — no drawdowns, inicial or retención.","Record what was actually paid, and who paid it.","The instalments follow this split, not the borrowers above. Clear it and the borrowers stand again.","Previous cancelled","Financing and insurance","Booked automatically in the cashflow at the licence date (and refunded at completion) — don't also record it as a payment, or the euro counts twice.","Drawdown deleted","Set up your project","Delete mortgage",[3508],[4055],") draws ",[3457]," more than the build programme has standing by then — the bank certifies what it can see.","date","Nothing budgeted for this selection yet.","Set as title image","Chapter added","Color","Project settings","No municipalities yet.","Instalment amount","Not covered by the bank offer — no drawdown can draw this; raise the bank lines to release it.","Reset zoom","The phases every new project starts with, and the chapters the position template files under. Edit names, colours and which are bank-certifiable, or add new ones — changes apply to future projects and template loads, not to existing projects.","− Retención","Columns","Choose icon","Delete chapter?","Create role","This was our main home (vivienda habitual)","Money out","Toggle text","General (21%)","After completion","Search…","Add new build here","Saved",[3407]," is recorded on these lines beyond what this document certifies.","Could not create the login.","No payments yet.","Build","Role name","File too large (max ",[4088]," MB)","mb","This username is already taken.","Extras (not budgeted)","Include provisional / planned","Type a name, then press Enter","Net yearly","Advance paid on","Item deleted","capped to the mortgage","The towns where your land lies and their municipal levies (IBI, ICIO, …), reused across the household’s projects. Recording a change keeps the old rate frozen over the dates it applied.","How far ahead the cashflow and runway project. The window rolls from today by default, so you always see the same span ahead. Mortgages keep their own duration.","Full deposit refund expected","Street with house number + town","Bank offer amount","How the total cost is borne, per person and per chapter. Edit the split in Finance → Budget.","ITP (compraventa)","Can be deferred (this date may slide)","No municipalities yet — add a property by address first.","Uploaded files will appear here.","Amount","Interior furnishing","Create",[4112],"” is removed. Its budget lines lose their chapter and will need re-filing. You can undo for a few seconds.","selectedName","New saving source","Functional",[4117]," own funds","ownLabel","at completion (fin de obra)","Pick or create a budget line","All clear — no open household risks right now.","Page ",[4125],[4124],"pageCount","pageNumber","Commercial","Showing ",[4132],[4131]," — keep typing to narrow.","total","shown","Billed outstanding","Short ",[4139]," around ",[4138],"minDateLabel","shortLabel",[4141,3447,4142],"count",{"_3449":4143,"_3451":4144},[3453,4148,4149,4150],[3453,4145,4146,4147]," lines have no date yet (",[3457],") — they are in no month below."," line has no date yet (",[3457],") — it is not in any month below.","people","Empty = grace-period end (",[4155],"), when the retention is released. Set the real registration date once known.","carenciaEndLabel",[3446,3447,4157],{"_3449":4158,"_3451":4159},[3453,4167,4168,4162,4169,4164],[3453,4160,4161,4162,4163,4164]," chapters are planned to finish after fin de obra (",[4166],") — the last on ",[4165],". Both retenciones hang on that date.","endsOn","completion"," chapter is planned to finish after fin de obra (",[4166],[4165],"from its chapter's drawdown","Acquisition date","New project","Second release","Cumulative interest","Custom colour",[3717]," — ",[4180]," under the estimate, released from the plan.","under","Uploading…","New dated set",[4185]," retención is not in the figures above: the bank only releases it once the works are certified finished, so it cannot pay for finishing them. It arrives afterwards — and a late completion loses it.","afterLabel","Remove instalment",[4192],": the budget lines fall ",[3457],[3957],"%) short of the contract sum — is the presupuesto incomplete?","company","Group the bank offer's certifiable chapters into certifications: each releases a tranche = their full bank-line amounts. Planned ones are provisional (simulation); certified/received are effective. The surplus is the tranche above the effective cost — the mortgage money that funds your own work.","Certifiable by the bank","Tranche","Balance","Rate",[3446,3447,4199],{"_3449":4200,"_3451":4201},[3453,4203],[3453,4202]," partidas, net of IVA"," partida, net of IVA","Loan-to-value ",[4213]," — the bank finances ",[4212]," of the ",[4211]," offer.","offerLabel","financedLabel","ltvPct","Sign out","Bank retention (%)","− Loan cost in the window","Liquid savings","Received","Zone","Expand ",[3508]," to see per person","PEM — execution budget (€)","Ended — no more bills on this line","Whose it is","Refund actually received (€)","Needs attention","ITP and AJD are set by the Comunidad Autónoma, not the municipality. A region appears here once a municipality in it exists. Recording a change keeps the old rate frozen over the dates it applied.","Taxable base only when a reducción makes it lower than land + construction; otherwise leave it empty.","Buildings to assign to a plot","needs split","appearance","From","contractor","Delete role","How to close the plan","Partial repayment","Today","Grace-period interest",[3446,3447,4241],{"_3449":4242,"_3451":4243},[3453,4245],[3453,4244]," open questions"," open question","Split evenly","Liquidity timeline markers","…but the path dips ",[3878]," in between — that has to be bridged, not found.","Tax on the gain (IRPF)","Early-repayment fee","Edit","Image viewer","Figures are certified WORK. Where a builder contract is in place the bank account sees less per work certificate — the adelanto netted off and the retención held back; each budget line's drawer names its own bridge.","Drawdown","Select a person",[4036],"% of total","Project","Balances as of","The plots and the buildings on them. Cadastral values and the IBI they produce are below; the municipality (its rate and collection calendar) is managed in Directories.","Edit chapters","Own funds","Upload document or image","Your liquid pots (bank, crypto, pension…). A snapshot — the cashflow grows the total via your monthly net, so you only re-enter a balance when it changes. Each balance belongs to one person or is split by % among several; CHF is converted with the rate.","No bank offer amounts yet — enter them in the Bank offer tab, otherwise every tranche is zero.","Build out","(incl. IVA ",[4271],"totalIvaLabel",[3324]," is missing too soon: the certificate for it was due",[3323],"settled","No budget line counts as works cost yet, so there is nothing to derive from — the ICIO after the works and the AJD fall back to the declared PEM until there is.","Cash tranche (net)","Certification fee (",[3822],"Planning","Estimate per period (",[3822],[4290],[4289]," drawn (",[4288],"%)","drawnPct","drawableLabel","drawnLabel","New autonomic period","to","from ",[3500],"No advance date yet, so the adelanto is not deducted from the certifications either — fill the date in to model it.","The offer exceeds the mortgage by ",[4299]," — saving an over-allocation is blocked.","remainingLabel",[3446,3447,4301],{"_3449":4302,"_3451":4303},[4305],[3453,4304]," mortgage instalments","Mortgage instalment","Cancel","Details — text or bullet points… (optional)","This company has no budget lines yet — assign it to one first.",[3446,3447,4310],{"_3449":4311,"_3451":4312},[3453,4314],[3453,4313]," attachments"," attachment","Note deleted","Search terrains…","Created"," / t","Enter the mortgage amount.","Even once the retención lands, ",[4323]," is still missing.","afterSurplus","From the town’s Ponencia de Valores — the year it was approved fixes the age clock for every building here (it stops there, not at today), and the MBC is the €/m² the coefficients multiply. Both appear on an IBI receipt. Empty = unknown, and the cadastral estimate calibrates instead.",[3683]," — building","Available","Delete","Archive role","vendor","Placa","Not part of the figure above: the shortfall falls BEFORE completion, and unbridged there is no completion and no retención. It is worth planning around all the same — a builder who accepts billing late is bridging with it.",[3446,3447,4334],{"_3449":4335,"_3451":4336},[3453,4340,4341,4342],[3453,4337,4338,4339]," budget lines have no amount (",[3508]," among them) — they are in the plan but cost nothing."," budget line has no amount (",[3508],") — it is in the plan but costs nothing.","Nothing derivable yet — record the town’s waste-fee tariff under Directories ▸ Municipalities.","Works contract (adelanto / retención)","Real cost","Could not create the project from that address.","Terrain deleted","Retention release",[3467],"over the horizon, which covers the gap. So this is a TIMING problem — the money arrives later than the costs. The liquidity line shows when, and “How to close the plan” shows what to move.","Parcel","Next tranche: ",[4359],[4358]," on ",[4357],"nextDate","nextNet","nextName","Now","Reduction","From Spanish address","Filter users","Paid from","Cashflow","Construction cost planning","Discard","Nothing is ever cancelled — a deferrable cost is one you could simply do later (furniture, the garden, the upstairs floor). When the liquidity line goes short, the plan proposes pushing these lines out until the money is there, latest first. Leave it off for anything with an outside deadline: taxes, work certificates, contract milestones, mortgage instalments.","Chapters","Select a plot","Who paid what","Find a building by its address. It joins the matching plot, or starts a new one — an empty plot becomes a site for a new build.","Directories","Past periods","Creating chapter…",[4378]," of devolución returned beyond the advance","over","Compute from a levy (ICIO, ITP…)","Construction","Mortgage money comes from a drawdown's tranche; own funds are the household's savings.",[3446,3447,4383],{"_3449":4384,"_3451":4385},[3453,4387],[3453,4386]," planned drawdowns are overdue."," planned drawdown is overdue.","Total budget","First page","e.g. Casa principal","Municipal levies","Mark closed","New tenant","No line is marked as slideable yet. Open a budget line you could postpone (furniture, the garden, the upstairs floor) and tick “Can be deferred” — taxes, work certificates and contract milestones must stay fixed.","lent","New prepayment","Only if the retención comes back in two steps — e.g. half at the acceptance and half twelve months later. Leave empty for one settlement.","Couldn't create the chapter. Please try again.","pay","Autopromotor (10%)","AJD (obra nueva)","Annual fee","Material","Add files","Financed","Previous page","New amount €","This chapter carries ",[4413]," of bank financing and is certified by ",[3998]," — deleting it shrinks that certification’s tranche in the cashflow.","bankLabel","Pick the chapters this certification draws and the share of each (a chapter can be split across several certifications — certify part now, the rest later).","Closes the line for good: the plan stops booking what is left, and the line costs what was actually paid — so finishing under the estimate shows up in the total instead of sitting in the future forever. The budget stays as it is (that is the estimate the deviation is measured against). Nothing paid yet? Then the line costs 0 without losing its history.","Amortization",[4419]," not yet certified","notYetCertifiedLabel",[4192],": the budget lines exceed the contract sum by ",[3457],[3957],"%) — extras not in the contract, or a stale sum?","Valued as ",[3446,3447,4428],". The range spans the quality category, which the Catastro assigns and nobody can know in advance.",{"_3449":4429,"_3451":4430},[3453,4432],[3453,4431]," separate constructions"," construction","Deed against money","Expense","Rename document","Choose…","Partial repayment (incl. fee)","That record no longer exists.","Completion (retención)",[3446,3447,4441],{"_3449":4442,"_3451":4443},[3453,3458,4446,4447],[3453,3454,4444,4445],[3457],") have no one behind them — set who paid, or every per-person figure stays short.",[3457],") has no one behind it — set who paid, or every per-person figure stays short.","Next page","No reserve for the unforeseen — the ",[4457]," of building work is budgeted as if every estimate were right. A self-build usually holds back ",[4456],[4455]," (5–15 %); add a line and tick “contingency reserve”.","high","low","build","Net income in the window","Where these rates and calendars were read from — the ordenança fiscal, the town's fiscal calendar. The figures outlive the memory of where they came from.","New role","open point",[3446,3447,4463],{"_3449":4464,"_3451":4465},[3453,4469,4470,4468],[3453,4466,4467,4468]," budget lines have no date (",[3457],") — planned at the start of the horizon."," budget line has no date (",[3457],"Other","Company deleted",[4275]," transferred — exactly what the document says.","Cash runs short before the plan ends — review the cashflow.","Build & completion","What can be certified on a given date follows from this: a drawdown can only draw work that is standing. Leave both dates empty and nothing is assumed — the plan then says which chapters carry money with no programme instead of guessing.","budget","Project closed — no new mortgage","Manage projects…","Municipalities","Money set aside for what nobody planned, not for a known job. Builds run 5–15 % over, so a plan without a reserve is optimistic by exactly that much — and every total then reads as if it were certain. Tick this on the line you keep for surprises; the plan then stops asking for one, and the amount behaves like any other cost.",[4486],[4485],"numPages","page","Document deleted","Command palette","The currency every amount is shown in. Amounts are anchored in EUR for now — a CHF view is on the way.","Chapters are the project's phases — planning, land, fees, the construction trades, recurring costs. Drag to set their lifecycle order. Only certifiable chapters take part in the bank offer and its drawdowns.","Adelanto actually paid","Choose colour","Term (years)","A valuation needs a land or a construction value.","Grant or revoke platform admin. The platform always keeps at least one admin.",[4036],"% of the budget · certified work","Mortgage money comes from a certification's tranche; own funds are the household's savings.","construction value · IBI ",[4505]," – ",[4504]," a year, land included","highIbi","lowIbi","Remaining","Add people in <0>Admin first.",[3958],") books from this contract on its date — do not record it as a payment too. Every work certificate then costs ",[3957],"Certified on","Share","Unattributed ",[4515],"unassignedLabel","The grace period must be shorter than the term — otherwise nothing amortizes.",[4518,3447,4519],"added",{"_3449":4520,"_3451":4521},[4522,3453,4524],[4522,3453,4523],"Added "," documents"," document","Repeats by cadence between these dates.","Give the link a name and a web address (http or https).",[4529]," of work left","openLabel","Valid from","Search payments…","No ponencia year on record for the town, so the age was counted to today — which understates the value. Read it off an IBI receipt (“any aprovació ponència”) and record it under Directories ▸ Municipalities.","Horizon: ",[4536]," months","months","General settings","Total cost (all-in)","Filter by household, member or project…","Enter the CERTIFIED WORK, not the transfer — ",[3501]," will actually leave the account after the adelanto and retención.","Add savings & income","That value isn't valid.","Project role","section",[4549]," paid, not yet split by person","unattributedPaidLabel","Too many attempts — try again in about 15 minutes.","supplier",[4554],"% of 100%","pctLabel","Search for a command to run…","Cadastral value (land) (€)","Set the start date.","For",[3745]," — review the cashflow.",[3446,3447,4562],{"_3449":4563,"_3451":4564},[3453,4566],[3453,4565]," certifications have no date — excluded from the runway."," certification has no date — excluded from the runway.","The password needs at least 8 characters.","Eigenleistung ",[4117]," — the offer above the mortgage you fund yourself.",[3508],[4574],[3728],"budgetedLabel","Not received yet","Actually paid: ",[4578],"paidLabel","Net income","Search people…","These shares add up to ",[4131]," %, not 100 — a typo, or an owner missing from the deed?","Search savings…","not planned — this project isn't being sold","Due date","Create “",[4590],"”","trimmedField","Settles",[3446,3447,4593],{"_3449":4594,"_3451":4595},[3506,3453,4597],[3506,3453,4596]," files"," file","moves here from ",[4026],"Work certifications","File: ",[3508],"free","Bank in","Budget: ",[4607],"plannedLabel","Search or jump to…",[4610],"filterCompanyName",[3560],"Exempt by reinvestment","IBI collection calendar","Household role","Pick a tax year.","Search chapters","Age read against the ",[4620]," ponencia. Worth confirming on an IBI receipt (“any aprovació ponència”) or in the works licence — it shifts the estimate.","ponenciaLabel","Plot","Mortgage drawdown","Percent of the budget","This past loan and its borrowers, bonifications and certifications are removed. This can't be undone.","Market-value estimate (€)",[4036],"% paid","Taxable base (if reduced)","e.g. Ordenança fiscal núm. 12","Search repayments…","ICIO","New phase","Contract sum (incl. IVA)","Nothing here yet.","New expense","Net monthly","Exchange rate, EUR per 1 CHF","General",[3446,3447,4640],{"_3449":4641,"_3451":4642},[3453,4646,4647,4645],[3453,4643,4644,4645]," lines' instalments exceed their budgets by ",[3457]," — that excess never books."," line's instalments exceed its budget by ",[3457],"Password (min. 8 characters)","No parcel found — add the house number and look up again.","Certified chapters","Total interest","Add municipality","Enter the mortgage in the Conditions tab to see the amortization.","add nº","Under construction","By company","Terrain","− Sale costs","Start date","New bonification","Adelanto + retención are 100% or more — no cash would ever leave for this company's work. Check the percentages.","Who bears it","An unexpected error occurred.","ITP","Delete project?","Certification tranches","Starts","category","How the total cost is borne, per person and per chapter. Edit the split in Costs → Budget.","Add the phases your project is organised into.","Nothing to cover yet","kept out","Owner — shares the gain","That username is already taken.","Residential","Drawdowns","Paid off","New source","Set another tax year","A rate a comunidad grants under conditions. A budget line asks for it by name; if the case is missing, the app says so instead of quietly using the general rate.","Not set yet","No banks yet.","Comunidades",[4686]," over","diffLabel","Unlock","Exactly covered",[4690],"filterName","Mortgages","Certification fee","Could not reset the password.","Street","Ctrl+K","Future income is not a source here. Over the horizon the household nets +",[3467]," (income − living costs) — the liquidity line above shows whether it arrives in time.",[4700],"v","Save payment","Once the retención lands, ",[4323]," is left — but not one day sooner.","Record a rate change","The household's people who contribute money.","Plan the bank's drawdowns and what each certifies.","Set up the mortgage","The plot and its purchase, not the building","Repayment","Repayment deleted","Discard this new entry?",[3446,3447,4714],{"_3449":4715,"_3451":4716},[3453,4720,4721,4722],[3453,4717,4718,4719]," lines are done but still plan ",[3457]," — invoices missing, or settle them?"," line is done but still plans ",[3457]," — invoice missing, or settle the line?","Clear date","A standard (lump) loan has no drawdowns.","Cadastral value (building) (€)","Admin","Settings","Edit budget","Runs","Completion (municipal registration)",[3683]," — no waste-fee collection calendar on record, so the plan assumes one annual charge. Add its due dates under Directories ▸ Municipalities.","ITP and AJD are set by the Comunidad Autónoma, not the municipality. A region appears here once a municipality in it exists. A rate change is a new period — past levies keep the rate in force on their date.","no date yet — planned at the horizon start","Archived","Tax year","Currency, savings snapshot date and horizon.","Rename ",[3704],"Interest-free · repaid when agreed","Drawdown deleted — its payments revert to own funds","Look up","What the bank charges per drawdown for coming to look at the site. Booked against the loan, not against a chapter.","Balance over time","payer","Amount for ",[4748],"payerName",[3446,3447,4750],{"_3449":4751,"_3451":4752},[4753,3453,4755],[4753,3453,4754],"Planned total ("," periods)"," period)",[4529]," open","Service","Tasa de licencia","Window","Loading PDF","Users","The chosen bank's terms. Saving updates the amortization analysis.","Record a payment","Can't apply that — a project (or the household) must keep at least one owner.","Over budget.","Couldn't copy — copy it manually.","Search bonifications…","Gross rate − max. bonification (the fully-bonified rate paid during the carencia).","It isn't saved yet. Discard it, or keep editing to finish it.","The builder's own document: work certified, extras, and the two deductions that make the transfer smaller. The mirror of a bank drawdown — same shape, money the other way. Nothing here changes the plan yet; each one is checked against the payments already recorded on the same budget lines.","My House","Rename a project, change its icon, or delete it. Deleting a project permanently removes all of its data. To switch projects, use the project switcher at the top of the sidebar.","Counting from","Unarchive role","The amount exceeds the loan's outstanding balance at that date.",[3508],[4055],[3457]," of work more than the build programme has standing by then — the bank certifies what it can see.","Ponencia year","Mortgage saved","New budget line","Searching…","Group the bank offer's certifiable chapters into drawdowns: each releases a tranche = the financed amount of its chapters (offer × the loan-to-value). Planned ones are provisional (simulation); certified/received are effective. The surplus is the tranche above the real cost — mortgage money beyond what that work costs.","Delete chapter","Liquidity could get tight in a bad case — review the cashflow.","Before bonifications. The net rate paid is this minus the active bonifications below.","own","No acquisition date on this plot, so there is no first tax year to derive from.","In use — archive it instead","Annual quota",[3446,3447,4794],{"_3449":4795,"_3451":4796},[3453,4798],[3453,4797]," planned certifications are overdue."," planned certification is overdue.","Amount incl. IVA","Costs of selling","/yr",[4804]," still drawable","leftLabel","CHF → EUR rate (default 0.95)","Open owner","Standard chapters","Reset password","Tranche (full bank line)","IBI rate","Nothing is ever cancelled — a deferrable cost is one you could simply do later (furniture, the garden, the upstairs floor). When the liquidity line goes short, the plan proposes pushing these lines out until the money is there, latest first. Leave it off for anything with an outside deadline: taxes, certifications, contract milestones, mortgage instalments.","Rate deleted","Every cash movement of the household's pooled runway — bank draws, the inicial and retención, mortgage instalments, payments and recurring income/costs — in order, with a running balance. The end balance matches the Overview runway.","Condition — e.g. current account at the bank","On: planned (not-yet-confirmed) bank tranches count toward the liquidity line and the funding verdict, and the chapter timeline shows still-open budget. Off: only confirmed bank money counts — planned costs still charge the liquidity line either way — and the timeline shows only what's actually paid.","The address was found, but importing the parcel failed — try again.","No, it is not","no dates yet","What we've paid and to whom — from the mortgage vs. your own funds.","Industrial","Units","To cover",[3446,3447,4824],{"_3449":4825,"_3451":4826},[3453,4830,4831,4832],[3453,4827,4828,4829]," settled lines came in ",[3407]," under their estimates."," settled line came in ",[3407]," under its estimate.","Billed","Set up the land & property",[4686]," unallocated","Full mortgage payment starts",[3446,3447,4839],{"_3449":4840,"_3451":4841},[3453,4830,4844,4845],[3453,4827,4842,4843],[3407]," over their estimates.",[3407]," over its estimate.","Instalments","Chapter","Waste-fee collection calendar","Satellite","Cadastral value (land)","Add period","e.g. a contractor","Not covered by the bank offer — no certification can draw this; raise the bank lines to release it.","Create project",[3560]," retención is conditional: the bank releases it when the works are certified finished (",[4859],") — a late completion loses it.","retentionDate","Deposits paid (€)","No documents yet","The current password is wrong.","Today (always ahead)","Currency","e.g. planta baja","New municipality",[4869]," of the mortgage isn't covered by the offer yet.","unallocatedLabel","Grace-period rate (computed)","Everyone","(",[4878]," gross − ",[4877]," active)","activeLabel","grossLabel","Position template","Phase deleted","Current password","Balances count as their value on the “as of” date; the cashflow simulates every in/outflow after it. Editing a balance moves this date to today automatically — set it back only if the figure you typed is a balance from another day (a payment dated in between is counted or not depending on which side of this date it falls).","After you hand in a certification the bank inspects the work and then has this long to transfer. The money — and the interest on it — starts on that later date, not on the certification date. 0 = same day.","From the town’s recorded MBC: ",[3362]," per weighted m² after the market factor ",[4891]," and the costs-and-profit factor ",[4890],"gbLabel","rmLabel","Retention — released at completion","Days until the bank pays","Full instalment starts","The reserve is ",[4901],[3957],"% of the building work, under the ",[4456]," (5 %) a self-build usually holds back.","reserve","Drawn from the mortgage",[3508],"Project completion","Fee","Why these dates","IBI (property tax)","Manage roles","New chapter…","Loan type","Waste (tonnes, for RCD)","e.g. Current account","No completion date on this dwelling, so there is no first billable year to derive from.","The account is linked to this person right away. Share the password with them personally.",[4917]," of bank money sits on chapters with no build programme. That is unknown timing rather than unbuilt work — give them phases and this answer may change.","unscheduled","Project name","No matches.","Member","Do we get the building finished?","Add from address","Remove from household","e.g. Sant Cugat del Vallès","Budget lines","Drawdown inspection fee","Expand all","Δ 0","Reset","Street with house number + town, e.g. Carrer Cerdanya 8B, Roda de Berà","Choose the chapter each file belongs to.",[3446,3447,4933],{"_3449":4934,"_3451":4935},[4936,3453,4524],[4936,3453,4523],"Upload ","Person","The household itself + who can do what per project.","Savings scale 19–28 %. The next euro of gain would pay ",[4942]," %.","marginalPct","Covered — ",[3979]," buffer","Upload",[4952]," this month · ",[4951]," cumulative","cumulative","thisMonth",[3446,3447,4954],{"_3449":4955,"_3451":4956},[4962,4963,4960],[4957,3453,4958,4959,4960],"Moving those "," lines later (",[4961],") closes the plan — deferral buys the months of income that pay for it.","moved","Moving that line later (",[4961],"Amount (€)","Max. bonification (%)","Financing by certification window","Municipalities (the IBI rate per terrain).",[4969],"newName","Base","What the IBI will be charged on once the build is registered. The Catastro does not read invoices: it values each construction from its surface, type, quality and age. This is NOT the ICIO base — that one is a cost figure and about twice as high.","member","Untitled project","Period","Lowest balance","Unassigned ",[4515],[4299]," — lower a chapter line, or raise the mortgage amount in Conditions.","The requested page could not be found.","Set","Filter by user or household…","Starting savings (EUR)","e.g. 1st certification","Rate %","Who pays what","No income or recurring costs yet.","New project…","Add item",[4992]," from mortgage","mortgageLabel","This parcel is already in the project.","= To distribute","The horizon ends ",[5001],", before the plan does (",[5000],") — everything after it (tranches, the retención, later costs) is missing from the runway.","lastPlanned","horizonEnd",[3446,3447,5003],{"_3449":5004,"_3451":5005},[5006,3453,4597],[5006,3453,4596],"Uploaded ",[3728],[5009,3447,5010],"hidden",{"_3449":5011,"_3451":5012},[3453,5014],[3453,5013]," more things to look at"," more thing to look at","All","Reset password for ",[4748],"Done editing","Base ",[5024]," · IVA ",[3696],[3694],"baseStr","What the build costs — budget lines by chapter, with their payments recorded right on each line, so you see plan vs. actual in one place.","AJD","Set up the mortgage amount in Conditions first — there's no balance to pay down yet.","IBI","What the bank charges per certification for coming to look at the work. Booked against the loan, not against a chapter.","Search buildings…","Viewer","Empty follows the contract (",[5035]," days). It shifts dates the plan DERIVES, never a due date you typed.","contractLeadLabel","No results found.","Early-repayment fee (%)","Office","Once","Title","Invite","Percent owned by ",[5044],"personName","Draft — still needed: ",[5047],"missingList","Set the project “For sale” to plan the exit (asking price + expected date), or “Sold” to record the effective sale.","Still to pay (cash)","The dashboard fills in as each area gets its numbers — in the order of a Spanish self-build:","Add line","Owner","What the bank has paid out so far, what is parked with your builders, and how the finished lines came out against their estimates.","Cadastral value (building)",[3446],[3745],[3744],[3743],"Go to","Open command palette (",[5062],"shortcutLabel","cost","Add source","Stops future estimated periods. Recorded bills and their payer allocations remain in the history.","Interest","No second release date, so the whole retención still comes back on the first one — add the date to split it.","Outstanding mortgage after the grace period.","Create tenant","A payment to ",[4192]," of about ",[3457]," sits on the contract date — the adelanto comes from the contract, so recording it as a payment too spends it twice.","Amount entry mode","Who actually pays the instalments","The base for the ICIO settled after the works and the AJD on the escritura de obra nueva. It is the cost of BUILDING only: the law leaves out the IVA, the taxes and fees themselves, and the professionals’ honorarios (project, site management, surveys). Automatic reads the line’s chapter and stage; override it where the rule cannot know — a fitted kitchen filed under furniture, quality control filed under a trade.","Planned date","Add certification","active now","New rate %","Professional fees — art. 102.1 TRLRHL","Initial disbursement (%)","Opens the consolidated text at the BOE","Concept","No template lines.","of which ",[3501]," in cash — ",[5092]," netted off the adelanto already paid.","advance","Buyer assumes the mortgage (subrogación)","New item","Completion date","Add a title image","Create a login that owns its own household and first project. Note the password to share it personally — it isn't shown again.","Note","Construction — progressive draws (autopromotor)","This role is still in use — reassign or archive it first.","Saving…","Settled","Blank","Kind","Sale costs","＋ New recurring cost…",[3446],"Enter your current password, then a new one. Your other sessions will be signed out.","no chapters yet","Investment in the property — land, build, licences, taxes (ITP/IVA), notary, architect — raises the acquisition cost the capital gain is computed against at a sale. Running costs of OWNING it (IBI, waste fee, insurance, utilities, mortgage interest) don't count, which is why recurring lines default to off.","Choose project icon","Add a payer…","The lenders financing the project — who you're doing business with.","New build","Savings and income feed the liquidity runway — <0>see the result in the Overview.","Refinanced — switched bank / conditions","Category","Matches the payments recorded on these lines.","Planned: ",[5121],"plannedFamilyLabel","Salary, living costs, utility bills, taxes. Set an end date for a stream that changes later. Each item can belong to one person or be split by % among several; CHF is converted with the rate.","Settle at ",[5125],"final","No members yet.","Throughout the build — day one to the end","Bonification","reminder","Add company","At least 8 characters.","The household name, currency and planning horizon.","New terrain","Joint","Yes, it is works cost","e.g. 1st drawdown","Other tax years","At least one platform admin must remain.","Cadastral value year","New building","Confirm new password","Sale price (€)","Asking price (€)","Open the drawdowns","Certified","Ongoing",[3555]," retención withheld, payable in two parts: ",[5157]," on acceptance (",[3554],") and ",[5156],[5155],"secondWhen","secondPart","firstPart","Counts as works cost","Add case","Couldn't upload the file. Please try again.","Amortization schedule","Invoice","As of","Planned","Who owns it","New template line…","The currency every amount is shown in across the app.",[5170]," — disbursed as a lump at signing","totalLabel","Set a new password for ",[5174]," and share it personally. Their current sessions are signed out.","username","Add a budget line","Search or create…","Automatic — yes","When the retention is released.","e.g. CaixaBank","No regions yet — add a property by address first.","certified work, not cash out",[4299]," of the mortgage is not yet assigned to a chapter.","Unallocated","Retención, once completion is proved","Ruined","This is the first drawdown, not the whole answer — the plan dips a further ",[5190]," later, which needs its own certificate at its own date. Drawing it now would only mean carrying it early.","later","Payments marked \"from the mortgage\" exceed what the bank has disbursed by ",[3457]," — some are funded by tranches not yet received.","Error ",[5196],"status","Add terrain","Reset filters","Recipient","This household can't be deleted (it's an operator household or already deleted).","Who contributes money — a person here does not need a login. An OWNER brings their own capital and shares the gain; someone who LENDS is repaid off the top, with no share of it. That is separate from the access role. Link a login only for people who should actually use the app.","Conditional discounts off the gross rate. Each is active over the periods you expect to hold it — the net rate over time drives the amortization and the cashflow.","Initial monthly payment","Nothing here yet","Enter the amount as a plain number (e.g. 300000 — no apostrophes or commas).","Settlement","Only the display name changes — the file itself stays the same.","Number","Remaining expected","Not saved — enter a valid amount and date.","No chapter","Slide through the documents and zoom in.","This is money coming back (a refund)","Window by window","Delete line","Budget line or concept","What is still owed and by when — one row per budget line, not per payment, over the whole plan. Built to be printed for a bank meeting.","The IVA (VAT) rates applied to budget lines and payments. A rate change is a new period — past lines keep the rate in force on their date.","Sale proceeds",[3878]," in ",[5223],"troughMonth","Remove ",[3508],"Offer of mortgage","Each row runs from one bank disbursement to the next: the tranche coming in, the build money going out, and your own income in between. The lowest point says whether you bridge the window — and if not, when the money is missing and how much.","The towns where your land lies and their municipal levies (IBI, ICIO, …), reused across the household’s projects. Each levy holds one value per tax year, so the years you have already paid keep what they were charged.","Salary, living costs, utility bills, taxes. Set an end date for a stream that changes later.","Deviation from the estimate — the line is settled","No buildings yet.","/mo","Day","Mortgage drawn in the window","Settled — this line no longer books anything, so its date and instalments don't affect the plan.","Payments",[4275]," transferred against ",[5243]," on the document — ",[3780]," still open.","net","Split between several people","Capitalizable (counts toward the sale cost basis)","IVA rates","e.g. Foundation, Fees","Equity already in the property","Change password","Due","MBC — construction module (€/m²)","Open the amortization plan","New company","Certifies ",[3407]," more than is recorded on these lines — a payment may be missing.","Add valuation","Tick this when the person fronts money the owners pay back (a loan) rather than bringing their own capital as an owner. It changes how their contributions are treated in the cashflow.","of ",[5261],"tariff",[3704],"Liquid balance over time","No notes match.","Search drawdowns…","Released on the first date %","Add bank","The certificate has to be presented before the money is needed — the bank inspects and then pays. This works backwards from the day the plan runs short.","Budget line deleted","Percent for ",[3508],"Future income is not a source here — and over the horizon the household runs −",[3467]," (living costs exceed income), so the gap understates what is missing.","Amount (EUR)","Role",[4011]," expected with actuals","A building must sit on a plot.","Add a note or question…",[4413]," of bank financing — deleting it removes that amount from the cashflow.","Locked","Search rates…","Fixed start date","The partidas that carry the base","The household's people + their logins and roles.","Runs out ",[5290],"runsOutLabel",[3446,3447,5292],{"_3449":5293,"_3451":5294},[3453,3585,5297,5298],[3453,3580,5295,5296],[3457],") have nobody set to bear them.",[3457],") has nobody set to bear it.","e.g. Salary, Water","Nothing to show here yet.","The phases every new project starts with, and what the position template files under. Add a chapter, or edit its name, colour or icon — the change syncs to every existing household right away. Whether a chapter is bank-certifiable seeds new households but stays each household's own choice afterwards.",[3762]," projects","Next 90 days","New mortgage","Change icon for ",[3517],"Zoom out",[5311]," advance still at the builder","aCuenta","No documents tagged to this chapter yet. Tag them in the media library.","A sold or archived project can't take a new mortgage.","Household name","e.g. Parcela 12","No chapter yet",[3446,3447,5318],{"_3449":5319,"_3451":5320},[3453,5322],[3453,5321]," drawdowns fall after the grace period — at risk of not being drawn."," drawdown falls after the grace period — at risk of not being drawn.",[4290],[4289],[4288],"%) · plus ",[3560]," at completion","Project status","debt","Slide through the images.","Continues until completion is registered.",[3840]," is missing — that is not a timing problem: it needs more money or less scope.","Theme","Creating company…","Households","Search certifications…","Active",[3446,3447,5341],{"_3449":5342,"_3451":5343},[5344,5347,4355,3453,5348],[5344,5345,4355,3453,5346],"Bank financing of ",[3457]," chapters isn't drawn by their certifications — excluded from the cashflow.",[3457]," chapter isn't drawn by its certifications — excluded from the cashflow.",[5354]," paid · ",[5353]," due","dueStr","paidStr","Platform","Couldn't save — try again.","This chapter is drawn by ",[3998]," — deleting it unlinks it from that drawdown.","The initial disbursement + drawdown tranches exceed the mortgage by ",[3457],"Who fronted the adelanto","If it falls on a weekend, it lands the Friday before","Salary, living costs, utility bills, taxes — recurring or one-off. Set an end date for a stream that changes later.","Each received bill replaces only that month's estimate; future months keep this estimated amount.","Estimate per period","Net rate today","No chapters yet.","Not saved — check the amount","Unknown","None","Net","ICIO after the works","Unassigned","No advance date yet, so the adelanto is not deducted from the work certificates either — fill the date in to model it.","Documents","Reduce payment (keep term)","What the case is","Household","Leave the ",[3401]," reserve untouched and it is ",[5385]," instead.","reserveKeptLabel","Coordinates","Built-in chapter","Month by month","Bonifications","Gross normal interest rate (%)","The loan on this project over time. The active one drives the analysis below; add a new one when you refinance or sign another.","Project stage",[3508],"” and all its projects lose access immediately. You can restore it from “Recently deleted” within 7 days; after that it is permanently deleted.",[3878],[5223]," — that has to be bridged, not found.","Only an owner can change the project status — archiving removes the project from the household's runway.","No savings yet.","Received ",[4290],[5170],[4288],"Other files","Financed (gross)","New payment","Address","Certifications","Automatic","Land purchase","at the sale","Invite logins","Liquidity gap","No payments yet — add them in the Payments tab.",[3446,3447,5416],{"_3449":5417,"_3451":5418},[5344,5421,4355,3453,5422],[5344,5419,4355,3453,5420],[3457]," chapters isn't drawn by any certification — excluded from the cashflow.",[3457]," chapter isn't drawn by any certification — excluded from the cashflow.","Sale date",[3745]," — by ",[3744]," at its worst.","Done","Couldn't create the chapter","A standard (lump) loan has no certifications.","Payments without a budget line","Garantía de residuos (RCD)","The financed amount per certifiable chapter as offered to the bank — what certifications draw against. It needn't match the effective cost: the surplus funds work you source and pay yourself.","invoice","Your last project can't be deleted.","Drawdown tranches","System","What is this?","Who can access the projects, and at what role.","Spending timeline by chapter","Labour","Excluded by hand","From whose savings","over the mortgage headroom","Couldn't share — try downloading instead.","Municipality","Drag & drop files or click to add","From the mortgage: ",[5451],[4992],"mortgageUsedLabel",[3401]," is the contingency reserve","Owners",[3446,3447,5456],{"_3449":5457,"_3451":5458},[5459,5465,4355,3453,5466,5467,5468],[5459,5460,5461,3453,5462,5463,5464],"The bank finances ",[3457]," across "," chapters the plan prices at nothing (",[3508]," the largest).",[3457]," chapter the plan prices at nothing (",[3508],").","Roles & rights","Purchase price (€)","When the build actually happens — phases across the chapters, and the share of each a phase builds. It decides what a drawdown may certify.","The asset’s master data — its cadastral reference and values (the tax base for IBI), surface, and your market-value estimate. Kept separate from a sale.","Add repayment","Actual money paid out — each booked against a budget line, by whom and from which source (mortgage tranche or own funds).","On day of the month","New drawdown","Search icons…","Money missing","Couldn't create the company. Please try again.","certifiable","Search municipalities…","Discard draft","Settled — no more money on this line","Budgeted","Liquid balance","question","The payoff is what has been drawn so far. While the loan is in carencia nothing is repaid, so that is exact; afterwards it is the cautious side.","New person","Savings",[4275],[5243],[3780]," more than it asks for.","The change must start after the current period — edit older periods in the history instead.",[5311]," of the adelanto still to be worked off","Print",[5500],[4131],"position","Certification ",[5503],"number","Select who paid","Compose roles from the fixed rights catalog. Every role can view everything; management rights (members, settings, project lifecycle) stay exclusive to Owner. Assign roles to members above.",[3446,3447,5507],{"_3449":5508,"_3451":5509},[3453,5513,5514,5515],[3453,5510,5511,5512]," drawdowns draw ",[3457]," more than the programme has standing by their dates."," drawdown draws ",[3457]," more than the programme has standing by its date.","Tenant created","Street and town, e.g. Carrer Cerdanya 8B, Roda de Berà","Bank deleted","Pick a date","Every year is forecast automatically. Creating lines for a year moves it into the budget, where its receipts can be paid, attributed and filed — the forecast then leaves that year alone.","No line is marked as slideable yet. Open a budget line you could postpone (furniture, the garden, the upstairs floor) and tick “Can be deferred” — taxes, certifications and contract milestones must stay fixed.",[3446,3447,5523],{"_3449":5524,"_3451":5525},[3453,5529,5530,5531],[3453,5526,5527,5528]," chapters carrying ",[3457]," of bank financing are in no build phase — nothing says when that work can be certified."," chapter carrying ",[3457]," of bank financing is in no build phase — nothing says when that work can be certified.","service",[3446,3447,5534],{"_3449":5535,"_3451":5536},[3453,5538],[3453,5537]," units"," unit","Images & files","Rural","from its start date","Each chapter's budget over time, filled as it's paid (coloured); grey is still open. Hover for the split, expand for per person.","Search banks…",[3728]," for this levy,",[3780],"Done by","Zoom in","optional","Living (furniture, etc.)","Fully paid","Funding gap of ",[3457]," — sources don't cover the plan.","Delete permanently","Insurance & recurring","Mortgage conditions","e.g. 50% on signing","Name…","Add building here","Search","Instalment label","Undo","What is parked with your builders — the advance still to be worked off and the retención you owe back — and how the finished lines came out against their estimates. The loan itself is the tile above.","Drag & drop or click to upload",[4413]," of bank financing and is drawn by ",[3998]," — deleting it shrinks that drawdown’s tranche in the cashflow.","Certified work, per budget line","Ends at ",[5573],"endBalanceLabel","Overlapping bonifications reach ",[5582]," at once, above the ",[5581]," maximum — only ",[5581]," is applied; trim the active periods so they don't all overlap.","maxLabel","peakLabel","Offer","No municipality linked, so no rate applies and no IBI can be derived.","Family (planned, still to come)","On the estimate","New IVA period",[5044]," (own work)","The plots and the buildings on them. Cadastral values feed the IBI; the municipality (its rate) is managed in Manage.","The builder's certificación this transfer pays. Several payments may settle one document — naming it is what lets them be read together against the invoice.","e.g. Alarm system","Percent paid by ",[4748],"Deviation","Family debt (paid by family)","When the town charges each fracción, as MM-DD in the order it bills them. Kept per levy because a town bills its taxes on the schedules its own ordenanzas set. Empty = unknown, and the plan falls back to a single annual charge rather than inventing dates.","savings","Billing period","Breakdown","Add people in <0>Household first.","Taxa","Certification deleted — its payments revert to own funds","Person deleted","Password","No release date (and no fin de obra to fall back on), so the retención is not withheld either — set the date to model it.",[5612]," of that is paid-for work not yet delivered — what a stop would cost to buy again, after the ",[5611]," retención held back","held","atRisk","Finance","View ",[3704],"Expected total with actuals","Put in · gets back · the difference. Every euro someone contributed counts the same, whether it went to a builder, a tax or a mortgage instalment — splitting interest from principal would be a tax model, not a household one.","The bank pays in drawdowns as the build progresses, each against the progress it certifies on site, with an inicial and a retención held to fin de obra.","Drives the devolución deducted from every work certificate.","Template line added","account","It isn't saved yet — still missing: ",[5047],". Discard it, or keep editing to finish it.","All chapters","Devolución %","Unattributed","Automatic — no","Property","From mortgage","Label","Tenants deleted in the last 7 days. Restore one, or delete it permanently now — after 7 days they're purged automatically.","404 — Not found","light","What's actually been paid, sliced by person and by company.","Proceeds","Out","The username is too short.","Username","Balances may be out of date — update them for an accurate forecast.","Standard chapter — its name, icon and colour are managed in platform settings. You can still set whether it’s certifiable and reorder it.","Initial password (min. 8 characters)",[5645]," EUR — the rate between your two currencies (CHF is the stronger one, so it's above 1). Amounts held in the other currency are converted into your display currency with it.","rateHint",[3446,3447,5647],{"_3449":5648,"_3451":5649},[3453,5513,5652,5653],[3453,5510,5650,5651],[3457]," of work more than the programme has standing by their dates.",[3457]," of work more than the programme has standing by its date.",[5655,3447,5656],"others",{"_3449":5657,"_3451":5658},[3453,5660],[3453,5659]," in other certifications"," in another certification","Company","over by ",[5664],"overLabel",[3508],"Role colour","Budget (",[3822],"Which chapters this phase builds, and how much of each. A chapter split across phases gets a share per phase (Estructura 50 % here, 50 % in the next) — the bank then draws it in exactly those parts.","Every tenant and its members. The role here is the household base role; per-project overrides live in each project's Admin ▸ Household tab. The last owner of a household can't be demoted.",[4141,3447,5672],{"_3449":5673,"_3451":5674},[3453,5676],[3453,5675]," movements"," movement","Actions","Your liquid balances right now, per person.","Bank money still to come",[5681,3447,5682],"created",{"_3449":5683,"_3451":5684},[4522,3453,5686],[4522,3453,5685]," budget lines from the template"," budget line from the template","That role no longer exists.","Total",[3446,3447,5690],{"_3449":5691,"_3451":5692},[3453,5693],[3453,5303]," project","Before the first certification","log out","Liquidity","Fully staged.","Toggle Sidebar","Show less","The runway goes ",[3605]," short. Nothing here gets cancelled — these are the costs you marked as slideable, pushed until the money is there.","Active periods","Overview","Name","The building's completion date (",[5712],") and the mortgage's fin de obra (",[5711],") differ — the retención release and the IBI/deposit clocks disagree.","mortgageDate","buildingDate","Total for the selection","Nobody has contributed anything yet, so there is nothing to split by — record who paid what and this becomes an answer.","Initial annual payment",[3446,3447,5717],{"_3449":5718,"_3451":5719},[5344,5722,4355,3453,5723],[5344,5720,4355,3453,5721],[3457]," chapters isn't drawn by any drawdown — excluded from the cashflow.",[3457]," chapter isn't drawn by any drawdown — excluded from the cashflow.","Notes & questions","No access — link a login to grant a role.","Taxes and public charges — art. 102.1 TRLRHL","Open the budget line","Saving sources","Standard — full amount at signing","How it's funded","That tax year already has budget lines.",[3324]," is missing, and by then the build cannot certify anything that is not already claimed — no drawdown fixes this one.","Payment","No icons found.","ongoing","Amounts are certified WORK, not cash out of the account.","No data yet.","Sign in","None of the slideable lines fall before the shortfall, so moving them cannot help it. What is due first is fixed — the money has to come from somewhere else.","Days from the work being certified to the money leaving. It shifts dates the plan DERIVES, never a due date you typed.","Art. 38 LIRPF exempts the gain in proportion to how much of the PROCEEDS goes into another main home within two years — not how much of the gain. Reinvesting only the gain leaves most of it taxable.","Pick a chapter","No login","Add budget lines","Note (optional)","Afterwards","New chapter","Cadastral value after the works — estimate","Nothing matches the selected chapters.",[3446,3447,5752],{"_3449":5753,"_3451":5754},[3453,3458,5757,5758],[3453,3454,5755,5756],[3457],") are booked against drawdowns dated later — on our books that bank money hadn't arrived yet.",[3457],") is booked against a drawdown dated later — on our books that bank money hadn't arrived yet.","The dashboard fills in as you add your numbers — start anywhere:","Copy password","Couldn't upload ",[3508],"Your builders","Filter households","Initial disbursement",[4299],[3457],[4192],"'s adelanto has no payer — it is missing from everyone's contributions, and from what each person gets back at a sale.","Set an “as of” date so the forecast stays accurate.",[3446,3447,5772],{"_3449":5773,"_3451":5774},[3453,5780,5781,5782,5783,4355,5784,4164],[3453,5775,5776,5777,5778,4355,5779,4164]," build phases end after fin de obra (",[4166],"), the last ",[3508],[4165]," build phase ends after fin de obra (",[4166],"): ",[3508],[4165],"fully paid","Create login for ",[4748],"Cadence","Who does the work or supplies the goods.",[3446,3447,5791],{"_3449":5792,"_3451":5793},[3453,5795],[3453,5794]," payments"," payment","Capital gain","Bank drawdown plan","Keep editing","task","Bonifications can only start after the grace period ends, and run at most until the mortgage is paid off.","A flat annual fee per dwelling, set by the town’s tariff band — kept with the municipality’s other levies, not here. It starts once the dwelling exists, so instalments collected before completion are not owed.","Map","Autonomic levies (ITP / AJD)","Owned · funded · the difference in points. A gap is normal and often deliberate — but it is what decides who declares the gain, and it is easy to carry unnoticed until a sale.","Upload documents","Add the bank's interest-rate discounts and when they apply.","Add payers in <0>Household first.",[4299],[3508],", but couldn't file it under the chapter","Total still to pay: ",[3457],"Until ",[3566]," — finishing the building","Splitting the retención needs both a second date and a share, so until then the whole of it still comes back on the first date.","e.g. Foundation, ICIO, Architect…","New income or expense","Give the last period an end date before adding another.",[3555]," retención held, due ",[3554],[4603,3447,5824],{"_3449":5825,"_3451":5826},[3453,4030],[3453,4030],"No waste fee can be derived for that year — check the completion date and the municipality's tariff.","Mortgage interest","Mortgage","Delete this mortgage?","Tax rate","Nothing found.","Budget","Year","As a phase — progresses through its span","Total paid per person.","Drawn","Couldn't load PDF","Nothing scheduled in the next 90 days.","No budget line — e.g. ITP, notary","Builds",[3529]," stays planned for ",[5845],"fallbackLabel","Rename","e.g. Alex","A household must keep at least one owner.","− Mortgage payoff","No phases yet — add the stretches your build actually runs in.","Delete valuation","The valuation offered to the bank per certifiable chapter — what it appraises the work at. It needn't match the real cost, and the whole offer may exceed the mortgage: the bank finances a share of it (its loan-to-value), and the rest is your own contribution.","Cadastre","IVA rate deleted",[5857]," of income or loan cost carries no date, so the window cannot place it — it is left out of every figure above rather than guessed into one.","undatedLabel","Fees & taxes",[3446,3447,5860],{"_3449":5861,"_3451":5862},[5863,3453,4597],[5863,3453,4596],"Share ","Cost name","Sets a new password for the login “",[5174],"”. Share it with them personally.","Rate (%)",[5870,3447,5871],"here",{"_3449":5872,"_3451":5873},[3453,5874],[3453,5874]," on this one","grace","left","Name the phase first — then pick what it builds.","Targets","Toggle theme","Land class","Who may access your projects, and at what role — everyone here is a login. People who only contribute money (no login) are managed under People. The base role applies across every project; a project column overrides it for that one project.","New bank","More","View details",[3745],[3744]," at its worst. Neither deferring nor drawing closes it: it needs more money or less scope.","Surplus","Upload images or PDFs to preview them here. Other file types appear in the files list below.","People","Finish every position in the selected chapters before certifying.","Own funds: ",[5894],"ownFundsLabel","Creates a login that can access this household's projects. Share the password with them personally.","Expected sale date","Licence date","Light","That figure assumes the ",[3401]," contingency reserve is never touched. Spend it and the build is ",[4139]," short.",[3501],[5907]," retención held back until the works are signed off.","retention",[5174]," from the household?","Build phases","Search income & expenses…","No IVA rates yet.","Recolour","Tasa de residuos","(grace-period rate — bonifications apply from the carencia end)","Deposit refund (%)","Retención %","When","Open",[3457]," is left with nobody — the split has nothing to go on for it.","Loan cost in the window","Image deleted","Notes","Role deleted","Document type","Bank offer","Everything below is cut at ",[3566]," — completion plus the weeks the deed, the land-registry entry and the municipal tax take, which is what the bank's final payment waits for. What comes after belongs to living in the house, not to finishing it.","Money due in and out, plus open questions.","Delete note","Land value","The planning horizon ends before the building does, so the bill is whole here while the salary and the bank money that pay it are cut off — any answer would be an artefact of the setting, not of the plan. Set the horizon to at least ",[5937]," months.","monthsNeeded","Aerial (Spain)",[3446,3447,5940],{"_3449":5941,"_3451":5942},[3453,5944],[3453,5943]," drawdowns have no date — excluded from the runway."," drawdown has no date — excluded from the runway.","This actual bill replaces the estimate for this period only.","Nothing recorded — so the plan cannot say who declares the gain at a sale.","Costs for","This permanently deletes “",[3517],"” and all of its data. This can’t be undone.","Create & link","Reduced cases","“Until” must be on or after “From”.","Date to today","Coste real y efectivo de la obra (€)","No contract terms — this company's costs book 1:1 as cash.","Bank money","Conditions","Budget line","Marked done, but ",[5963]," is still planned for this line. Was that not billed?","open","Expected","The bank lines exceed what the mortgage can finance.","Deductions",[3446,3447,5968],{"_3449":5969,"_3451":5970},[3453,5529,5973,5974],[3453,5526,5971,5972],[3457]," of bank financing have no build window — nothing says when that work can be certified.",[3457]," of bank financing has no build window — nothing says when that work can be certified.","Banks","Delete tenant","Type","your due date",[3501],[5092]," netted off the adelanto, ",[5907]," retención held back by you.","Journal","Mortgage funding","Invite member","No households match.",[3957],"% drawn","Switch language","0 = the last day.","Reduce term (keep payment)","Monthly","When the town charges each fracción, as MM-DD in the order it bills them. Empty = unknown, and the plan falls back to a single annual charge rather than inventing dates.",[3814]," — drawing on partial progress is fine, just confirming it's intended.","Balances count as their value on the “as of” date; the cashflow simulates every in/outflow after it. When money has arrived (salary, sale proceeds) and you raise a balance, move this date forward too — otherwise that inflow is counted twice.","Projects"]