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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.

Close glossary

This page offers you all the information, documents and audiovisual material from the various conferences, talks and congresses on housing that have been organised by Barcelona City Council.

News

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

21/11/2019 - 10:10

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

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

21/11/2019 - 10:01

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

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

19/11/2019 - 12:49

Conference. International experts discuss measures to burst the rent bubble

05/17162833/IMG-20190516-WA0054.jpg

The renovation of 40 high-complexity buildings is about to begin

23/05/2019 - 11:19

Housing. The Programme for Renovation of High-Complexity Buildings, promoted by the Barcelona City Council, aims to help people in...

Conferences

Housing and Renovation Forum (FHAR)

For three days, international experts debated and reflected in this forum about the future of the right to housing in the city.

Co-housing meeting 2018

The Barcelona City Council presents its cooperative housing model as a way to boost affordable housing at the first Cohousing Meeting

Renovation policies in Southern Europe

Experiences on policies to promote renovation and its social impact were exchanged at this meeting.

Smart City 2017 | Housing Conference

Members of the Eurocities Network reflected on rent-stabilisation measures and the role of local governments in housing policies.

Construmat 2017 | 'Housing that makes a city' conference

The 'Housing that makes a city' conference held on 23 May put the big challenges facing housing policies in Barcelona at the centre of the debate.

Housing Conference 2016 (Day 1) | The rental market, gentrification and the impact of tourism

The Barcelona City Council Housing Conference was held on 24 and 25 October 2016. Three seminars were held on the first day and dealt with various aspects of the city’s current housing model.

Housing Conference 2016 (Day 2) | Rehabilitation, architectural innovation and cohousing

The second day was the turn of the roundtables, where various experts and professionals discussed new trends in housing renovation, urban regeneration, innovation and cohousing.

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