Do you have a flat to rent and would you like to rent it out with guarantees?

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.

Home owner's details

Name*

Surname*

NIF/NIE/Passport*

Address (street, number, staircase, floor, door)*

District*

Postcode*

Municipality*

Details of home to let

Address (street, number, staircase, floor, door)*

District*

Postcode*

Municipality*

Surface area (m²)*

Number of bedrooms*

Reply to

Telephone number*

Confirm telephone number*

Email address*

Confirm email address*

Conditions of Use

We hereby inform you, under data protection regulations, that by sending this form, you are consenting to your personal data being handled by Barcelona City Council (through the powers / Framework Act on Personal Data file for the housing pool operated by the Barcelona Housing Consortium) for the purposes of facilitating the rent of the proposed housing, lawfully allowed through your consent. In accordance with current legislation, your personal details will not be ceded to third parties.

You have the right to access, rectify and remove your data, in addition to other rights concerning data. You can consult additional information on the treatment and protection of data at www.bcn.cat/ajuntament/protecciodades.

Your data will be eliminated once the stated activity concludes.

We hereby inform you, under the provisions of Act 34/2002 of 11 July on Information Society Services, that by completing the email and mobile phone fields you are authorising us to use these media for communications directly related to the purposes described above.

By marking this box, you expressly accept these conditions of use.