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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

Housing Offices and Energy Advice Points (PAE) continue to operate by phone and online to help prevent the spread of Covid-19. Check how to access services here.

Extraordinary contribution of 2.5 million euros for rent payments

21/05/2020 - 18:47

Housing. The Mayor has called for councils to be able to use their accumulated budget surplus to mitigate the effects of the crisis.

New contact number and e-mail addresses for managing incidents and queries related with energy rights

20/05/2020 - 11:12

Habitatge. The PAE switchboard will be operative from Monday to Friday from 9.00 to 14.00

The Metropolitan Housing Observatory promotes a survey to analyse how Covid-19 affects the housing sector with the support of the City Council

06/05/2020 - 18:02

Habitatge. The survey has the collaboration of the Architects’ Association of Catalonia and the support of the housing areas of the...

Electricity, water and gas are basic rights, during confinement too

08/04/2020 - 17:25

Habitatge. If you have an energy emergency situation or need advice on energy saving, you can contact us by phone or online.

01/11/2019 - 11:32

"Barcelona has put housing policies at the centre and this has had a contagious effect on other administrations"

Conference. The UNESCO Housing Chair of Rovira i Virgili University presents a transversal look at the current challenges for housing...

28/10/2019 - 17:19

La Borda puts cohousing at the centre on the first day of visits of the 48 Hours Open House in Barcelona

Architecture festival. It’s a unique building built on municipal land, designed to adapt to the people who live in it, with mobile...

16/10/2019 - 16:47

The 48H Open House festival presents the most innovative public housing buildings in Barcelona

Architecture festival. The four sites with which the IMHAB collaborates - La Borda, Cases Barates of Bon Pastor, the homes of Can...

10/10/2019 - 18:32

Barcelona aims to become a leading city for renovation

Housing. Experts at the Rehabilita fair say that the future of construction for the housing market and the heritage of cities is in...

07/10/2019 - 09:16

The sixth edition of Rehabilita highlights the benefits for cities of renovation

Housing. The Councillor for Housing and Renovation will take part in the fair, which promotes the renovation and maintenance of...

Punts d'assessorament energètic
02/10/2019 - 10:40

Energy advice points, one of the best initiatives to combat the climate emergency

Energy rights. The C40 global network of cities has selected 100 projects from around the world which are leading the fight against...

declaració institucional pobresa energètica
30/09/2019 - 18:07

Message from the City Council to Endesa to assume energy poverty debt

Energy rights. Institutional declaration for the electricity company to comply with the law.

26/08/2019 - 16:22

Work begins on the city’s first temporary housing block

Housing. The temporary homes on the APROP project are quick-build sustainable flats which help ease the pressure of the housing...

08/08/2019 - 17:30

Inspections and controls for ensuring proper use of social housing

Seven flats that were either vacant or rented out above the rental prices set for social housing will return to being rented at an affordable price.

15/07/2019 - 14:30

Agreement reached for vulnerable families to carry on living at Carrer de l’Hospital, 99

Housing. The owner has pledged to halt the eviction process and the families in question will pay below-market rents.

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