Tanca Tanca

Housing Glossary

You will find information here on all topics relating to housing in Barcelona

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Accrued interest

The interest applied as a penalisation when the debtor does not comply with repayment obligations. The amount must be established in the contract.

Active supermortgage

This allows the client to choose their loan's benchmark index (MIBOR at three months, six months or a year) so that payment can benefit from lower interest rates sooner.

Adaptable instalment

Characteristic of UCI superloans that allow the borrower to not pay one instalment a year for the first three years if there are problems due to holidays, extraordinary expenses, etc.

Advanced cancellation fee

A commission arising from the financial risk involved in the advanced cancellation of an operation. The applied commission compensates the financial institution for its financial losses.

AEDE

Direct state aid for paying the deposit on a property.

Affordable housing

Group of social housing or dwellings from social renovation projects that are sold or rented at below-market prices.

Affordable rent

The cost of renting these dwellings is below market prices after being included in operations concerning the rented flat pool, social renovation or social housing promotions.

Amortisation

Payment made to repay a loan.

Amortisation period

The duration of the loan. The contract establishes the date of the first and last payments. The longer the period, the lower the payments are, but the higher the interest. You therefore pay more in the end. The monthly instalment should not exceed 35% of your net income.

API

Estate agent. A qualified professional who acts as an intermediary between the two interested parties to facilitate the signing of a real estate contract, which can be a rental agreement, a sales agreement or another similar contract. They usually charge a percentage of the sales price as compensation or commission.

Applicant

A citizen who makes a registration application to the Barcelona Social Housing Applicants Registry, and who represents the other members of the dwelling unit included in the application.

APR

Annual Equivalent Rate. Effective annual cost of the mortgage in terms of interest, commissions and the repayment period. To compare loans, it is not enough to just look at the lowest APR, you also have to compare the conditions, the repayment period and the distribution of instalment payments.

Arbitri municipal de plusvàlua

Former denomination of the capital gains tax on landed property.

Assessment

The value of a dwelling certified by a specialised assessment company, in accordance with the mortgage market law. This certificate not only indicates the real value of the property, it also serves as a reference for obtaining the necessary financing.

Authorisation

Document in which the owner authorises the tenant to carry out building work in the dwelling's interior.

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Render de l'edifici de Fort Pienc
29/05/2025 - 17:02

Work tendered for 64 public homes in Fort Pienc, where a new CAP is also planned

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28/05/2025 - 16:59

Five families receive housing keys from the Emergency Board

Habitatge. The Municipal Institute of Housing and Renovation (IMHAB) has delivered five emergency homes located in the districts of...

28/05/2025 - 10:13

Towards climate neutrality: the City Council presents the ‘Guide for the decarbonisation of rehabilitation’

Habitatge. The City Council, through IMHAB and Bithabitat, will present the ‘Guide for decarbonisation of rehabilitation’, as part of...

27/05/2025 - 13:07

The 1st International Housing and City Congress starts with a comprehensive look at the emergence of housing

Habitatge. On 26 and 27 May, the Auditorium of the Barcelona School of Management (UPF) hosts the 1st International Housing and City...

Keys handed over to flats with affordable rents for young people at the Casernes de Sant Andreu
26/05/2025 - 19:24

Casernes de Sant Andreu: 56 flats with affordable rents for young people handed over

Housing. The building is the third municipal development in the city devoted exclusively to the under-35s.

21/05/2025 - 13:16

Two years in office and 85% of the government action plan is under way

Assesment of time in office. The municipal government makes a positive assessment of the first half of this term of office with 29%...

21/05/2025 - 12:54

IMHAB presents at Construmat the solutions of innovation and sustainability in the construction of public housing

Habitatge. Barcelona City Council reaffirms its commitment to public housing that goes beyond economic accessibility, betting on...

Façade of the Casa Orsola, at the junction between Consell de Cent and Calàbria, full of signs against the eviction of people who live there
20/05/2025 - 20:23

Purchase of the Casa Orsola formalised to use it for affordable housing

Housing. The Fundació Hàbitat3 will manage the property with social criteria.

16/05/2025 - 14:31

IMHAB will share in Construmat its philosophy in the construction of public housing

Habitatge. It will have its own stand where projects completed with virtual reality glasses will be taught and the commitment to the...

15/05/2025 - 18:09

The draw to assign the 238 homes of Illa Glòries has been held

Housing. The numbers have been extracted to order each of the quotas of the three calls: affordable rent, social rent and surface...