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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.

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.

Keys given to the tenants of thirteen new homes in Via Augusta

19/11/2020 - 13:41

Housing. Three flats have been awarded to neighbourhood residents, four to people under 35, two to single-parent families and four to...

habitatge, dret a l'habitatge, lloguer, lloguer assequible, habitatge assequible, finançament, Barcelona

Alliance with social developers and cooperatives to build a thousand affordable homes

16/11/2020 - 14:28

Housing. The agreement guarantees the public ownership of land.

Tourist accommodation to increase the city’s pool of affordable rental housing

28/10/2020 - 18:10

Housing. There are 22 flats in total, able to house some eighty people from vulnerable families.

The Can Fabra project of accessible housing for young people wins the Advanced Architecture Awards 2020

28/10/2020 - 11:08

Housing. The firm of Roldán Berengué Arquitectes designed the project which has received the award for the industrialised...

More news

All latest news

25/10/2020 - 09:11

Four construction companies vie to become part of the joint metropolitan housing operator

Housing. The project will create the first public-private joint venture for affordable rental housing in the metropolitan area.

19/10/2020 - 16:49

Faster, more eco-friendly and efficient construction to create public rental housing

Housing. Invitation to tender for the construction of 212 flats with affordable rents on four city sites using industrialised...

13/10/2020 - 15:02

Work gets under way on 152 flats for elderly people at the Casernes de Sant Andreu

Housing. Two more public housing blocks are also currently being tendered in the same area.

08/10/2020 - 16:37

State investment to strengthen municipal housing policies

Housing. The state is to provide 71.7 million euros (16% of the total) to help with construction costs of the 54 public housing...

21/09/2020 - 19:53

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

Housing. The six households will have affordable rents.

17/09/2020 - 10:42

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

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

09/09/2020 - 15:53

Experts debate the competency framework and possible scenarios for the regulation of rent prices in the third session of the study commission

Housing. Most experts agree on the need to establish some kind of regulation and the debate has focussed on how to do it and the...

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

08/09/2020 - 16:57

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