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

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

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

Barcelona becomes the perfect setting this summer to host the international conference European Network for Housing Research (ENHR) of 2022, organized by the Municipal Institute of Housing and Renovation (IMHAB) of Barcelona City Council and the homonymous platform which brings together institutions and professionals in housing’s field in and out of Europe.

Under the title of this year ‘Barcelona ENHR 2022. The struggle for the right to housing. The pressures of globalization and the affordability of the cities today’, the annual conference focuses its researches on the different internal and external factors that jeopardize the right to housing, and make it difficult to guarantee this necessary right.

This edition will be held from August 30th to September 2nd. It will begin next August 30th with New Housing Researchers Colloquium (NHRC) for researchers currently working on housing-related doctoral thesis, to seek a mentoring critique of their work. After that, from August 31st to September 2nd, the annual Conference of the European Network for Housing Research (ENHR)‘s platform will be held aimed at professional people of research in housing and specialized sectors to meet, to discuss approaches and results, as well as compare policies from different European countries.

Also collaborating in this event are the Barcelona Metropolitan Housing Observatory (OMHB), the Polytechnic University of Catalonia (UPC), the Barcelona Higher Technical School of Architecture (ETSAB) and the Barcelona History Museum (MUHBA).

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