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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 and Energy Advice Points (PAE) continue to operate by phone and online to help prevent the spread of Covid-19. Check how to access services here.

Payment of rent instalments for public housing put back another month until August

07/04/2020 - 14:45

COVID-19. The Barcelona Municipal Institute of Housing and Renovation is to stagger payments over 36 months instead of the 18...

How can you contact the housing services?

03/04/2020 - 13:41

Habitatge. In this section we explain how you can carry out specific procedures and contact the Municipal Institute of Housing during...

Rent payments for public housing halted until July

24/03/2020 - 19:22

Housing. Rents for homes and commercial premises managed by the IMHAB will not be charged until July. The City Council has also set...

Housing offices remain operational to cover housing emergencies

22/03/2020 - 19:45

Housing. A series of additional measures have been taken within the context of the state of emergency for COVID-19, to prevent the...

More news

All latest news

19/03/2020 - 16:45

Everything you need to know about the Decree Law on Urgent Measures to Improve Access to Housing

Habitatge. Decree Law 17/2019 aims to combat the housing emergency, increase the number of homes protected under rental regulations...

13/03/2020 - 20:43

Larger budget and increase in public housing stock, the main areas of consensus at the first session of the Commission on the Regulation of Rents

Habitatge. Social stakeholders and political representatives agreed that they must seek consensus and act decisively in order to...

06/03/2020 - 19:01

New challenges and optimism for the future of housing

Habitatge. Lucía Martín laid out new strategic approaches for dealing with the consequences of demographic evolution on urbanism

05/03/2020 - 16:16

First meeting of the Council's Research Commission on the Regulation of Rents to take place on 10th March

Habitatge. Political representatives, social stakeholders and experts will be taking part and the session can be followed via video...

05/03/2020 - 09:13

The City Council opens sanction proceedings against the Vauras Investment Fund that could involve fines of half a million euros

Habitatge. Vauras, owners of Bloc Llavors, have refused to offer a social rent to the six families who were occupying the property,...

03/03/2020 - 11:48

United Front against the Azora Investment Fund and abusive rent rises

Habitatge. Barcelona City Council was present at the support event in Parliament organised by residents and the Tenants' Union

02/03/2020 - 10:46

Increasing and improving the housing stock and political impact are the strategies adopted by Barcelona City Council in order to guarantee the right to housing

Habitatge. This was explained by Lucía Martín at the conference 'Housing and Homelessness in Barcelona: Analysis and Challenges'...

28/02/2020 - 11:42

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