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 attend to users face to face by prior appointment. Consult the “Housing calls you” service here to receive more suitable personalised assistance. Meanwhile, anyone residing in a public dwelling managed by the IMHAB can consult its contact, management and procedure channels here.

    ->Housing calls you!
  • ->Interior d´una Oficina d´Habitatge
  • ->Una dona realitza una consulta en una oficina de l´Habitatge.
  • ->Exterior d´una Oficina d´Habitatge

Housing calls you’ is a service through which you can receive personalised attention over the phone.

To use this service, just book an appointment. The “Housing calls you” staff will contact you and offer advice over the phone on the options available for doing procedures without having to visit an office. If the procedure can only be done in person, staff will give you an appointment to receive assistance in any of the Housing Offices in Barcelona.

Anyone can use this service. The appointment must be booked in the name of the person whom staff will need to contact by telephone.

Below we will explain the procedures that can be done or the information you can request through this service.

Rent assistance

  • Rent assistance application
  • Presentation of documentation for rent assistance
  • Information on the status of the submitted rent assistance documentation

Housing stock/inclusion of housing

  • Barcelona housing stock application
  • Application for the inclusion of housing in the Barcelona housing stock
  • Presentation of documentation for Barcelona housing stock
  • Information on the status of the submitted documentation

Renovation

  • Renovation grant application
  • Presentation of documentation for the renovation grant
  • Information on the status of the submitted renovation grant documentation

Certificates

  • Certificate of occupancy application

Legal consultations, advice and emergencies

  • Application for information on a social emergency situation for imminent loss of housing or eviction
  • Presentation of documentation for a social emergency situation for imminent loss of housing or eviction
  • Application for information for legal consultations and advice
  • Presentation of documentation for legal consultations and advice

Other housing matters

  • Application for information on other housing matters
  • Presentation of documentation on other housing matters

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