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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.

22/10/2022 - 11:43

Acquisition of the first homes through the urban planning regulation of 30%

Housing. The purchase is for eight flats in the district of Sant Andreu, which will form part of the city’s public housing stock.

19/10/2022 - 14:23

Industrialised construction for more sustainable housing

Housing. Wood is the main material used in five of the six buildings.

11/10/2022 - 14:46

A new edition of the Barcelona Housing and Renovation Forum returns

Housing. On November 28 and 29, experts from the sector will share a double day with issues such as the housing emergency,...

Primera pedra de la nova promoció d’habitatge públic a Trinitat Vella

05/10/2022 - 21:57

The first stone for the new public housing development in Trinitat Vella

Housing. Construction work begins this October on the first of two planned blocks, which will rehouse 129 families.

28/09/2022 - 15:26

Six families in vulnerable situations receive the keys to homes from the Emergency Board

Housing. Every month, the Barcelona Housing Consortium delivers homes from the Social Rental Fund.

23/09/2022 - 10:38

La Model to become a hub for facilities and a large green space

Housing. The spatial planning project for the site of the former prison creates facilities and social housing, along with a new urban...

17/09/2022 - 10:07

Half the new trade fair site in Montjuïc to be for public uses

Urban planning. The update to the current urban plan will adapt current uses at the site to meet the needs of local neighbourhoods,...

07/09/2022 - 14:53

The Emergency Board hands over the keys to housing to nine families in situations of vulnerability

Housing. The Barcelona Housing Consortium delivers housing from the Social Rental Fund

02/09/2022 - 23:28

The new challenges of tourism and sustainable housing star in the final debate of European academics in Barcelona meeting

Housing. On the last day of the ENHR international conference, the facing challenges for European cities, such as tourism and...

El control del lloguer portat a debat en la tercera jornada de l’ENHR

01/09/2022 - 23:29

Rent control under debate on the third day of the ENHR

Housing. The third plenary session of the ENHR has exposed the background, policies and data behind the measures to regulate the...

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