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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 attend to users face to face by prior appointment. Consult the “Housing calls you” service here to receive more suitable personalised assistance.

This will interest you

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    This is stated in the Act, which bans companies from cutting off supplies to vulnerable households and obliges them to maintain their services for as long as the situation of financial difficulties lasts.

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  • Book an appointment in advance wit the IMHAB office

    The IMHAB office has a team of specialists who can provide general information and help you to carry out procedures related to the public housing stock.

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  • "Housing calls you", personalised assistance over the phone

    “Housing calls you” staff will provide telephone assistance for all available procedures without the need to visit the office; and if the procedure can only be done in person, staff will give you an appointment to receive assistance at one of the Housing Offices in Barcelona.

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  • Questions on the urgent measures due to the effects of Covid-19

    Frequently asked questions (FAQs) on the urgent measures addressed to people living in a rented apartment or homeowners with a mortgage.

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  • Attention and assistance service for the effects of Covid-19

    Urgent measures for people living in public housing or a rented apartment or homeowners with a mortgage.

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  • Measures for tackling the spread of Covid-19

    If you are living in public housing and struggling to pay the rent as a consequence of Covid-19 send an e-mail to imhab@imhab.cat.

    For emergency repairs or maintenance you can contact IMHAB by calling the phone lines above.

    Contact https://habitatge.barcelona/sites/default/files/en-banner07.gif
  • Measures for tackling the spread of Covid-19

    For enquiries on grants, rent and mortgages you can call 010  or contact your housing office.

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  • Measures for tackling the spread of Covid-19

    If you are in an emergency housing situation, call 010.

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  • Measures for tackling the spread of Covid-19

    While we are at home, the consumption of water, electricity and gas increases.

    Call 010 for advice on how to cut the cost of bills.

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  • Measures for tackling the spread of Covid-19

    If you can't pay your electricity, water or gas bills, call 010.

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  • We’ll pull through

    Consult information on the lockdown exit during the Covid-19 pandemic in Barcelona: stages, time slots and social and financial aid measures from the City Council.

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  • Diàlegs d'Habitatge

    The new publication 'Diàlegs d'Habitatge' reflects on the causes, effects and responses of the housing crisis in cities and contains the summary of presentations and conclusions of the Barcelona Housing and Rehabilitation Forum

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  • Housing and Renovation Forum

    Reports and videos from the FHAR conference

     

    Visit the site https://habitatge.barcelona/sites/default/files/banner_fhar_eng.png
  • Barcelona Rental Housing Pool

    Have you got a flat to let? Put it in the Barcelona Rental Housing Pool and enjoy lots of advantages and some exceptional conditions.

    More info https://habitatge.barcelona/sites/default/files/municipals_eng_new_home_499x288.png
  • Barcelona housing services and Aid Guide

    In this guide you will find useful information about all the services, aids and subsidies that you have at your disposal in the network of housing offices in Barcelona.

    Barcelona housing services and Aid Guide https://habitatge.barcelona/sites/default/files/cat_1.png
  • Interactive map on the extension of the Public Housing Stock

    Check the map of the public housing in the city to find out what new developments are being built in the city.

    More info https://habitatge.barcelona/sites/default/files/banner_habitatge_public_eng.png
  • #CitiesforHousing

    Major cities from around the globe come together before the UN and countries of the world to stand up for the right to adequate housing and the right to the city for all.

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  • Do you have problems paying for your accommodation?

    Check out all the subsidies and grants at your disposal!

    More info https://habitatge.barcelona/sites/default/files/banners-home-6_en.jpg
  • An essential right

    One thing we're clear about in Barcelona: housing is an essential right!  

    More info https://img.youtube.com/vi/J6ImdNrktlQ/0.jpg J6ImdNrktlQ
  • Do you want access to public housing?

    First of all, you'll need to: register with the Applicants Register!

    More info https://habitatge.barcelona/sites/default/files/banners-home-5_en.jpg
  • Cohousing, a change of model

    Want to know how Barcelona is promoting a housing model that helps community life?

    More info https://habitatge.barcelona/sites/default/files/banners-home-4_en.jpg

News

Common front with local residents to stop six families losing their homes in El Raval

21/09/2020 - 19:53

Housing. The six households will have affordable rents.

ajuts rehabilitació

New renovation grants to reactivate the economy and tackle the climate crisis

17/09/2020 - 10:42

Housing. The call provides 20.5 million euros for different areas to improve the condition of buildings and homes.

habitatge, decàleg de Barcelona pel dret a l'habitatge, habitatge assequible, dret a l'habitatge, Barcelona, Eixample, lloguer públic

Barcelona ten-point declaration on the right to housing

08/09/2020 - 16:57

Housing. Thirty city organisations are backing the ten measures set out in the document.

Energy Advice Point inquiries increase by 10% during the health crisis

18/08/2020 - 16:37

Energy rights. The first six months of 2020 saw over 17,000 people attended to. Most inquiries were about changing the electricity...

How to get information

Housing Offices Network

The Barcelona Housing Office Network is the one-stop place to go for all types of queries or procedures concerning housing. Each district has an office where a team of housing officers will help you to find the best solution to your problem.

Service catalogue

Want to know which services you can find at housing offices?

By phone

Call 010 for further information on the services provided at housing offices.

Online

You can book in advance online for an appointment at any of the housing offices.

Map of the new public-housing promotions in Barcelona

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Type

  • Persons affected by urban planning

    Type of housing promoted by the IMHAB targeting those people or households affected by urban redevelopments or reorganisation in the city. The properties tend to have a surface area of 65 to 85 square metres and can be acquired on a rental or purchase basis at the same prices as social housing properties.

  • Renting

    Refers to all properties being rented, promoted by the IMHAB, that target those people or households that need to be adjudicated a home which satisfies their housing needs. To access any of these adjudications, applicants must be registered with the Barcelona Register of Applicants for Social Housing.

  • Leasehold

    As part of this category, the successful applicant acquires the property for a period of 75 years at a value that is well beneath the market price. On average, these types of property measure 60 square metres and are built in compliance with sustainability criteria. To access any of these adjudications, applicants must be registered with the Barcelona Register of Applicants for Social Housing.

  • Co-housing

    This involves plots of public land allocated to a specific type of cooperative, housing cooperatives, where a group of people organise themselves to promote housing on a plot of land handed over to them by the City Council at an affordable price and by public competition, although it will always remain under public ownership.

  • Foundations and cooperatives

    These are plots of public land allocated to foundations and non-profit organisations that rent out dwellings at affordable prices. They are a collaborative mechanism, but with the novelty that the plots of land will now be awarded through public competition.

  • Aprop housing

    The Provisional Local Housing programme (APROP) is a new model of quick and sustainable housing construction, which offers a temporary response to residents that are excluded or at risk of exclusion, in areas close to their original neighbourhoods. They are prefabricated mobile modules that guarantee quality standards, are distributed throughout the city and take into account diverse resident profiles.

State

  • Land reserved

    The City Council is allocating a plot of land for housing in a process now underway for holding the project’s relevant invitations to tender, awarding and construction.

  • In process

    From when the plot of land is put out to public tender, for choosing the companies and professionals that will be commissioned with the project and its building work, to when the successful tenderers are announced and the building project can then go ahead.

  • Under construction

    This includes both the implementation of the project through the work and building process and the relevant dwelling award process.

  • Completed

    The dwellings have been built and handed over to the successful applicants.

Looking for housing? Start your search here

Rental advice

We offer you advice so you know your rights and responsibilities with regard to rented accommodation.

Advice on buying and selling a home

We offer you advice so you know your rights and responsibilities with regard to buying and selling a house.