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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.

21/03/2019 - 08:12

"Administrations need to incentivise flat owners in order to increase affordable housing"

Housing. The City Council, the Government of Catalonia, and the Ministry express their concern at FHAR about the increase in rent...

20/03/2019 - 21:05

The FHAR welcomes the presentation of diverse projects for the creation and renovation of public housing

Housing. Three projects that aim for flexibility, modular construction and community spaces: the finalists of the BCN-NYC Affordable...

20/03/2019 - 20:09

Finalists presented in the BCN-NYC Affordable Housing Challenge

Housing. Three projects which make the most of innovative technology to respond to housing needs in dense cities.

20/03/2019 - 08:06

"We are in a new cycle of dispossession in which tenants are expelled to hand housing and cities over to vulture funds"

Housing. A debate with architect and ex-relator of the UN Raquel Rolnik, councillor Josep Maria Montaner, and journalist Cristina...

18/03/2019 - 14:44

Registration for the Barcelona Housing and Renovation Forum closes with all seats sold out

Housing. 40 national and international experts will discuss present and future challenges in housing

18/03/2019 - 08:00

The IMHAB offers a total of 107 parking spaces for rent in the Bon Pastor neighbourhood

Adjudication. The registration period opens from March 18 to April 7 and there will be an open house on March 21

12/03/2019 - 16:44

International experts to participate in the Housing and Renovation Forum of Barcelona

Housing. Journalist Cristina Fallarás and architect and ex-relator of the UN Raquel Rolnik will participate in the inaugural round...

07/03/2019 - 17:34

The Housing Consortium renews the agreement with Hàbitat3 to attract new vacant homes from private individuals and allocate them for social rent

Housing. The Barcelona City Council will allocate 15 million euros to an agreement that aims to gather a total of 426 private homes...

05/03/2019 - 08:21

"Flexibility and a gender perspective are key to transforming housing into a more open and democratic space"

Housing. The latest issue of Qüestions d’Habitatge (Housing Issues) was presented, reflecting on the relationship between housing and...

01/03/2019 - 09:34

Barcelona City Council promotes the purchase of buildings to increase public and affordable housing in the city

Housing. So far, 22 buildings have been purchased, totalling 401 homes that have been incorporated into the public housing market

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