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Housing Glossary

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

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

Accrued interest

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

Active supermortgage

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

Adaptable instalment

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

Advanced cancellation fee

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

AEDE

Direct state aid for paying the deposit on a property.

Affordable housing

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

Affordable rent

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

Amortisation

Payment made to repay a loan.

Amortisation period

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

API

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

Applicant

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

APR

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

Arbitri municipal de plusvàlua

Former denomination of the capital gains tax on landed property.

Assessment

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

Authorisation

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

Close glossary

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

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The URBANEW technical conference will present the best solutions for decarbonising housing renovation

The URBANEW technical conference will present the best solutions for decarbonising housing renovation

08/04/2024 - 10:19

Housing. The event will feature a ‘marketplace’ showcasing the best proposals from a selection process, as well as an expert round table discussion focusing on innovation in renovation.

On Wednesday, April 10th, Ca l’Alier will host the ‘URBANEW: Innovating in Building Renovation for Decarbonisation’ event. It’s a technical conference that will present the best solutions received in response to the European URBANEW programme’s call to professionals in the sector to find innovative proposals for the renovation of buildings to reduce carbon consumption.

The rest of the proposals presented will be included in a catalogue to be published later this year, which will serve as a technical reference tool for the implementation of decarbonisation measures in the renovation process.

The opening will be presided over by Laia Bonet, First Deputy Mayor of Barcelona City Council. Gerard Capó, manager of the Municipal Institute of Housing and Renovation of Barcelona (IMHAB), will take part in the panel discussion to present the URBANEW project, along with Michael Donaldson (CEO of the Barcelona Institute of Technology for Habitat – BIT Habitat), Beatriz García Monco (Coordinator of European Missions and 2030 Agenda at Vitoria-Gasteiz City Council) and Itxaso Molinero (Coordinator of the URBANEW project at Vitoria-Gasteiz City Council).

The programme also includes a round table with experts call ‘Innovation and sustainability in building renovation’.

What is the URBANEW project?

Barcelona and six other cities in Spain (Vitoria, Zaragoza, Seville, Madrid, Valencia and Valladolid) are part of the ‘European Mission 100 Smart and Climate Neutral Cities by 2030’, a project promoted by the European Commission to coordinate efforts to mobilise the necessary resources to address the major challenges facing the continent.

In this context, the seven cities are implementing the URBANEW pilot programme, which involves a wide range of stakeholders to promote systemic change and seek innovative solutions for urban regeneration and renovation, thereby reducing carbon emissions and improving energy efficiency in buildings.

In Barcelona, the project is led by the Municipal Institute of Housing and Renovation of Barcelona (IMHAB), the 2030 Agenda Department of Barcelona City Council and the BIT Habitat Municipal Foundation, with the aim of exploring a model of public-private collaboration to acquire and renovate buildings to transform them into affordable housing.

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