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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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Ada Colau meets Raquel Rolnik for the ENHR Barcelona 2022

Ada Colau meets Raquel Rolnik for the ENHR Barcelona 2022

29/08/2022 - 14:40

Housing. A new edition of the European Network for Housing Research Annual Conference is being held from 30 August to 2 September.

The city will be playing host to a new edition of the European Network for Housing Research Annual Conference, from 30 August to 2 September, a meeting during which expert speakers will be giving talks on European housing policies for identifying the causes behind difficulties in accessing decent housing and the problems facing local governments in taking on this crisis

These days Barcelona becomes the hosting scene for the annual international ENHR conference. For this reason, Mayor Ada Colau has met today with one of the leading experts in the field of housing and housing right, Raquel Rolnik, Professor of Urban Planning at the Faculty of Architecture and Urban Planning at the University of São Paulo, and until 2014 also ‘Special Rapporteur for the Right to Housing’, appointed by the United Nations Human Rights Council. Raquel Rolnik is one of the outstanding voices of this event that will open tomorrow with the first plenary session entitled: ‘Housing under the rule of finance in global cities’.

Colau and Rolnik have made the most of their meeting to visit the APROP building in Glòries, one of the housing projects referring to industrialized production and referring to this area for other European cities. The APROP is a temporary stay accommodation building to attend to the housing emergency of people in vulnerable situations. This same project will also be visited by the participants of the ENHR conference.

 

ENHR Barcelona 2022

Organised jointly with the Barcelona Institute for Housing and Renovation, the congress will be taking place at the headquarters of the Higher Technical School of Architecture at Barcelona Polytechnic University and organised into two blocks.

The first day, on 30 August, will see the New Housing Researchers Colloquium, aimed at researchers working on doctoral theses relating to housing.

Taking place from 31 August to 2 September will be the European Network for Housing Research Annual Conference, aimed at professionals in housing research from specialist sectors to provide them with a space for meeting up and comparing the policies of European countries. It will also deal with issues such as vulnerability of the European property market in the face of touristification and gentrification.

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