Tanca Tanca

Housing Glossary

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

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

Accrued interest

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

Active supermortgage

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

Adaptable instalment

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

Advanced cancellation fee

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

AEDE

Direct state aid for paying the deposit on a property.

Affordable housing

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

Affordable rent

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

Amortisation

Payment made to repay a loan.

Amortisation period

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

API

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

Applicant

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

APR

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

Arbitri municipal de plusvàlua

Former denomination of the capital gains tax on landed property.

Assessment

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

Authorisation

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

Close glossary

Housing offices only offer face-to-face assistance by prior appointment, so check out the “Housing calls you” service here to receive the most appropriate personalised assistance. If you also need assistance in energy rights, book an appointment with an energy-advice point (PAE) by clicking here. On the other hand, if you reside in an IMHAB public dwelling you can consult our contact, management and processing channels here.​

27/05/2021 - 16:59

Barcelona intensifies its collaboration with the tertiary sector to promote affordable housing

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27/05/2021 - 16:57

Cevasa-Neinor the best-placed company to assume 50% of Habitatge Metròpolis Barcelona

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20/05/2021 - 14:45

Can Fabra, a finalist in the 2021 FAD Architecture Prizes

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14/05/2021 - 14:36

Public housing as the key to building the future

Housing. A record figure of 34 developments and 2,329 flats are currently under construction in the Barcelona.

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10/05/2021 - 12:46

Thirty cases brought for non-compliance with the law regulating rent prices

Housing. Fines for housing advertising platforms and property management companies.

30/04/2021 - 16:33

More funding from the European bank to build more public housing

Housing. An additional eighty million euros to build housing with affordable rents.

29/04/2021 - 17:03

More public housing in Nou Barris

Housing. Work starts on a block of 67 protected flats in Trinitat Nova.

26/04/2021 - 18:07

Energy advice points help over 30,000 people in 2020

Environment and sustainability. The PAE have also helped prevent utilities being cut off in 27,598 cases and helped families save...

22/04/2021 - 16:20

Work begins on a block of 31 public rental homes in Torre Baró

Housing. The plan is for the works, which signify a municipal investment of 4 million euros, to be completed in the first quarter of...

Interior de La Borda
14/04/2021 - 09:40

Last days to visit the exhibition ‘Living differently. The experience of La Borda and the new cooperatives ’

Housing. The College of Architects of Catalonia is hosting this exhibition until 15 April