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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.

05/07/2022 - 13:58

Eight families in Barcelona receive the keys to emergency housing

Housing. Every month, The Housing Consortium allots homes from the Social Rental Fund to families in a vulnerable situation in...

01/07/2022 - 17:04

IMHAB delivers the keys from 44 affordable rental subsidized homes in Cobega-Rambla Guipúzcoa area

Housing. The IMHAB has held the act of handing over the keys to 44 officially protected homes awarded in a rental regime at an agreed...

28/06/2022 - 17:52

New renovation subsidies: over 71 million euros for an energy efficient city

Housing. The goal is to renovate 15,000 homes in the next three years.

21/06/2022 - 16:46

Ageing housing with poor energy efficiency but a huge potential for improvement

Housing. Some 85% of projects to make buildings more energy efficient could be carried out with Next Generation funds.

13/06/2022 - 10:07

A building with 83 homes for the elderly at the former Quirón clinic

Elderly people. The block is being built on a site in Av. Mare de Déu de Montserrat, in the district of Gràcia.

09/06/2022 - 11:58

Energy Advice Points: five years preventing utilities from being cut off

Housing. Since its launch in 2017, the service has handled enquiries from nearly 155,500 people, corresponding to 60,500 Barcelona...

08/06/2022 - 19:18

A building with 83 homes for the elderly at the former Quirón clinic

Elderly people. The block is being built on a site in Av. Mare de Déu de Montserrat, in the district of Gràcia.

26/05/2022 - 17:10

Eight families receive the keys to the Emergency Board flats

Housing. Each month the Housing Consortium provides homes to people in vulnerable situations

23/05/2022 - 08:46

The new IMHAB industrialised housing developments are presented at the Barcelona Social Housing Council working group workshop

Housing. The session also served as the starting point of the industrialised production workshops, which will be held on 21 and 22...

17/05/2022 - 15:11

New drive to facilitate access to temporary housing for those with emancipation difficulties

Housing. The MPGM also seeks to regulate the opening of student residences on land designated for facilities, limiting the surface...

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