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

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.​

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The ENHR annual conference begins in Barcelona: An international meeting between housing experts and professionals
31/08/2022 - 22:43

The ENHR annual conference begins in Barcelona: An international meeting between housing experts and professionals

Housing. The first day of the annual conference of the European Network for Housing Research (ENHR) has highlighted the realities and...

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New housing researchers meet at the NHRC, held within the framework of the ENHR Barcelona 2022
30/08/2022 - 20:46

New housing researchers meet at the NHRC, held within the framework of the ENHR Barcelona 2022

Housing. The New Housing Researchers Colloquium (NHRC) is a day of networking and mentoring of new housing projects, which is part of...

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Ada Colau meets Raquel Rolnik for the ENHR Barcelona 2022
29/08/2022 - 14:40

Ada Colau meets Raquel Rolnik for the ENHR Barcelona 2022

Housing. A new edition of the European Network for Housing Research Annual Conference is being held from 30 August to 2 September.

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Barcelona will be the scene of ENHR platform’s international conference this year, about research in the field of housing
25/08/2022 - 17:26

Barcelona will be the scene of ENHR platform’s international conference this year, about research in the field of housing

Housing. The 'Barcelona ENHR 2022' will be hold between August 30th and September 2nd to bring together institutions and...

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18/08/2022 - 12:19

Subsidies to improve sound insulation for homes in areas with high noise levels

City Council. Each owner-tenant community can apply for subsidies of between 30,000 and 50,000 euros per building, up to a limit of 3...

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06/08/2022 - 09:58

More public housing through the purchase of two properties in Ciutat Vella and Sant Martí

Housing. One is a block of 15 flats in Carrer Jaume Giralt, in the Pou de la Figuera area, and the other is a block of 10 homes in...

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L’Ajuntament de Barcelona signa els primers drets de superfícies del Conveni ESAL amb les cooperatives ‘Abril’ i ‘La Domèstika’
01/08/2022 - 13:48

Barcelona City Council signs the first use of land rights of the ESAL Agreement with the housing cooperatives 'Abril' and 'La Domèstika'

Housing. These projects of the awarded cooperatives, on municipal land in Poblenou and Sants, belong to the ESAL Agreement and have...

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Fourteen families receive the keys to homes from the Emergency Board
01/08/2022 - 12:47

Fourteen families receive the keys to homes from the Emergency Board

Housing. The Barcelona Housing Consortium delivers houses from the Social Rental Fund to families in vulnerable situations, every...

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L’ICO, l’ICF i l’Ajuntament de Barcelona subscriuen un conveni innovador de 140 milions d’euros per ampliar l’habitatge social de la ciutat
29/07/2022 - 14:59

The ICO, the ICF and the Barcelona City Council sign an innovative agreement of 140 million euros to increase social housing in the city

Vivienda. Each entity will contribute 70 million euros to fund the renovation and construction of social housing for rent and...

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27/07/2022 - 17:06

Seventeen cases of non-compliance with the obligation to allocate 30% of new flats as affordable housing

Housing. Proceedings will be brought for fines of between 90,000 and 900,000 euros and promotors required to create the corresponding...

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