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.​

Law 12/2023 of 24 May on the right to housing introduced measures that directly affect property owners who offer their homes for rent.

On the one hand, property owners can benefit from reductions in personal income tax (IRPF) thanks to an amendment to the Second Final Provision of Law 12/2023. These changes are aimed at promoting rentals in areas with a stressed housing market, facilitating access for young people and people in vulnerable situations, and encouraging the transfer of homes for social rental.

On the other hand, given the housing emergency that Barcelona is experiencing, it is important not to leave empty dwellings. For this reason, the Third Final Provision of Law 12/2023 will be amended to allow the application of surcharges on the Property Tax (IBI) to those owners who leave their homes unoccupied.

FAQs

1. What are the benefits of renting in stressed housing market areas?

Reductions are applied to the positive net return on the rental of a dwelling:

  • The reduction is 90% if the landlord has entered into a contract in an area designated as a stressed housing market (ZMRT) by reducing the updated rent of the previous lease by more than 5%.
  • The reduction is 70% if the landlord is renting for the first time in a ZMRT and the tenant is between 18 and 35 years old.

2. Is the positive net yield reduced if the property is rented to a public administration or non-profit organisation?

Yes, a reduction of 70% is applied if the owner rents the property to a public administration or a non-profit organisation for use as social housing or housing for a vulnerable person

This percentage is also applied if the dwelling is subject to a public dwelling programme or a qualification that exceeds an income limit. 

3. What is the reduction if the dwelling has been renovated?

If the renovation work has been completed within the two years prior to the formalisation of the contract, the owner will benefit from a reduction of 60% of the positive net yield.

4. Are there any other benefits?

The reduction in the positive net return from renting a home is otherwise 50%.

5. Are IBI surcharges applied when the house is empty?

Yes, there are the following types of surcharges:

  • 50% of the IBI rate if the dwelling is empty.
  • Up to 100% of the IBI rate if the owner has 2 or more empty dwellings.
  • 100% of the IBI rate if the empty period is more than 3 years.
  • Up to 150% of the IBI rate if the owner has 2 or more empty dwellings for more than 3 years.

6. Are there any exceptions where these surcharges do not apply to the IBI?

 

For the purposes of the IBI surcharge, it is considered that there is a valid reason for keeping a dwelling empty and avoiding the surcharge:

  • Due to temporary relocation for work or training.
  • Change of address for reasons of dependency, health or social emergency.
  • If the dwelling is a second home and has been empty for a maximum of 4 years.
  • If the dwelling is subject to renovation or other circumstances that prevent effective occupation.
  • That the dwelling is the subject of litigation or is the subject of an administrative order preventing its use.
  • That the dwelling is a house and its owners have put it on the rental or sale market at a reasonable market price, but there has been no demand to rent it for 6 months or to buy it for 1 year.
  • That the dwelling is a house and its owners are either a public administration or have put it on the rental or sales market. In this case there is no time limit. The simple fact of marketing will be a legitimate reason for the dwelling to be empty.