Meetings and conferences on housing in Barcelona

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.

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

Barcelona bids farewell to ISHF as an international reference in housing

12/06/2023 - 08:23

Housing. For three days, the Catalan capital has been a meeting point for proposals, reflections, and diverse initiatives related to...

The defense of the right to housing, the focus of the second day of the ISHF

08/06/2023 - 19:09

Housing. The state of social housing in Southern European countries, public-private partnerships, and housing renovation were the...

Barcelona inaugurates the International Social Housing Festival with public policies at the center of the debate

07/06/2023 - 20:19

Housing. Over 2,000 registered participants are taking part in the ISHF, which takes place from June 7th to 9th, with the presence of...

The International Social Housing Festival 2023 lands in Barcelona from June 7 to 9

02/06/2023 - 10:03

Housing. The most important international congress on social housing in Europe will bring together around 2,000 attendees and hold...

More news

All latest news

Conferences

International Social Housing Festival 2023 (ISHF)

Over three days (June 7-9, 2023), about sixty international experts analyzed, debated, and reflected on the state of public, social, and cooperative housing worldwide, addressing the sector's main challenges.

Access to videos, reports and materials

Housing and Renovation Forum 2022 (FHAR)

For two days (November 28th and 29th, 2022), national and international experts will share knowledge, experiences, and visions of the future about three topics of great relevance: housing emergency, industrialised construction, and housing renovation.

Access to videos, reports and materials