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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.

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Cohousing reaches La Marina

09/02/2020 - 13:04

Housing. The first stone is laid for a building for 32 families through a leasehold agreement for a municipally owned plot of land.

La Xarxaire, Barceloneta, cohabitatge, Barcelona, habitatge

Cohousing to combat speculation in Barceloneta

03/02/2020 - 19:14

Housing. The first stone of a building providing homes for eight families is laid on a municipal plot of land under a leasehold...

The first APROP building can be visited on an open day

13/01/2020 - 13:28

Housing. On Friday 17 January and Saturday 18 January the first provisional housing development, located in the Gothic quarter, opens...

Habitatge

Property-tax exemption for public-housing tenants

31/12/2019 - 14:10

Housing. The 95% tax allowance will come into force on 1 January 2020. The remaining 5% will be borne by IMHAB for the dwellings it...

04/07/2019 - 18:21

Second report by the Metropolitan Housing Observatory

Housing. The report uses data from 2017 and 2018 to evaluate public policies in the metropolitan area.

21/06/2019 - 17:52

First expropriation of an empty flat owned by a bank

Housing. The end to the suspension of the housing laws also means fines can be imposed for not offering social rent options before an...

Premi europeu a les polítiques d’habitatge de l’Ajuntament.
07/06/2019 - 10:36

Europe rewards the housing policies of the Barcelona City Council against gentrification

The acting Councilor for Housing and Rehabilitation, Josep Maria Montaner, collected in Lyon the European Responsible Housing Award.

31/05/2019 - 17:47

‘Viure i conviure’, a shared experience between young people and the elderly

Social services. Seventy pairs take part in this intergenerational co-living programme.

BCN-NYC Affordable Housing Challenge, repte, habitatge
16/05/2019 - 16:19

The CAH and ATRI project wins the BCN-NYC Affordable Housing Challenge

Housing. The prize includes getting a pilot project up and running in both cities.

02/05/2019 - 14:29

Architecture Week brings the urban environment closer

Urban planning. The third edition focuses on the different architecture movements from the start of the 20th century.

14/04/2019 - 09:59

Housing renovation subsidies announced

Housing. Subsidies are available to renovate home interiors and common elements in buildings.

29/03/2019 - 16:45

Green light to use fifteen sites to build over 1,000 flats

Housing. Seven of the future constructions will be for social housing.

21/03/2019 - 14:14

"Evictions are an act of structural violence directed at very vulnerable people"

Housing. Representatives of social organisations discuss at FHAR the need to respond to the social emergency and explain the work...

21/03/2019 - 08:25

"With intergenerational housing, everyone wins"

Housing. Experts highlight at the FHAR the need to anticipate social changes and understand the present and future housing needs of...

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