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

"Hopefully they can make many more flats like these"

20/01/2020 - 12:32

Housing. Citizens view the first APROP housing development very positively, built with an innovative system of recycled containers

The first APROP building can be visited on an open day

13/01/2020 - 13:28

Housing. On Friday 17 January and Saturday 18 January the first provisional housing development, located in the Gothic quarter, opens...

Habitatge

Property-tax exemption for public-housing tenants

31/12/2019 - 14:10

Housing. The 95% tax allowance will come into force on 1 January 2020. The remaining 5% will be borne by IMHAB for the dwellings it...

Habitatge

First fine for discrimination on the basis of origin in housing access

21/12/2019 - 11:44

Housing. The fined advertisement, from the Idealista portal and The New House Barcelona estate agents, included the requirement for...

19/12/2019 - 15:25

The new publication 'Housing Dialogues' reflects on the causes, effects and responses of the housing crisis in cities

Housing. The edition includes, with an interactive version, the summary of papers and conclusions of the Housing and Renovation Forum...

16/12/2019 - 18:29

First APROP temporary homes in Ciutat Vella ready to tackle the housing emergency

Housing. Twelve flats in the Gòtic neighbourhood, in Ciutat Vella.

13/12/2019 - 17:18

First invitation to tender for a housing block on the Casernes de Sant Andreu site

Housing. The development offers 152 flats with services for the elderly, along with ground floor premises for the Jaume Olle youth...

29/11/2019 - 12:02

New model to create more affordable housing with the private sector

Housing. The block of 47 flats will be built on a municipally owned plot of land in the Poblenou neighbourhood. Mediaurban (Grup...

21/11/2019 - 10:10

The New York formula: A rent stabilisation system to prevent a housing bubble

Conference. Lucy Joffe of the New York Department of Housing Preservation and Development presents the measures taken by this city so...

21/11/2019 - 10:01

The Berlin formula: regulate, buy and build to stop the rise in rent prices

Conference. The sociologist, activist and politician Florian Schmidt explains the case of the German city

19/11/2019 - 12:49

Barcelona reflects on Berlin and New York to find solutions in the regulation of rent prices

Conference. International experts discuss measures to burst the rent bubble

06/11/2019 - 12:05

"Housing must be treated as a basic guaranteed right, and cannot be separated from social policies"

Conference. Councillor for Housing and Renovation Lucía Martín participates in the sixth housing conference of the Barcelona City...

05/11/2019 - 16:58

International experts to discuss the regulation of rent prices

Conference. Representatives from New York and Berlin will explain on November 18 at a DESC Observatory conference how cities can put...

01/11/2019 - 11:32

"Barcelona has put housing policies at the centre and this has had a contagious effect on other administrations"

Conference. The UNESCO Housing Chair of Rovira i Virgili University presents a transversal look at the current challenges for housing...

Share this content