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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.​

New housing researchers meet at the NHRC, held within the framework of the ENHR Barcelona 2022

30/08/2022 - 20:46

Housing. The New Housing Researchers Colloquium (NHRC) is a day of networking and mentoring of new housing projects, which is part of the European Network for Housing Research (ENHR) annual conference

The annual conference of the European Network for Housing Research (ENHR) kicks off with a first day, called ‘New Housing Researchers Colloquium (NHRC)‘, focused on networking and mentoring the projects of the housing sector’s new researchers, today happening in Barcelona city.

In this introductory session, the NHRC colloquium is established as an open space for new researchers related to the housing sector. In addition, this meeting focuses on making public their projects which try to deal with problems and challenges of housing in European cities, such as: affordability, sustainability, rental prices, rehabilitation of homes and neighborhoods, variations and implications in the real estate market, housing policies, etc.

 

NHRC welcome

The day has been lived in an academic environment from the first moments with the welcome and reception. In addition to new researchers; teachers, students and professionals from the field of housing have attended. Montserrat Pareja-Eastaway, professor in the Department of Economics at the University of Barcelona and vice-president of the European Network for Housing Research (ENHR), has shared in her welcome speech how she has been part of the ENHR since she was a PhD student. “The goal is to build bridges between professionals and institutions, to find common ground and find solutions with different perspectives about the challenges of housing today,” according to Pareja-Eastaway.

Following, the president of the ENHR, Peter Boelhouwer, has highlighted about this introductory day “the exchange of ideas, establishing new contacts with other potentially important professional colleagues, both in the academic field and for the development of the professional career”. Richard Sendi, research advisor to the Institute of Urban Planning of the Republic of Slovenia, has highlighted the work of the working groups of new housing researchers in their investigation regarding the new scenarios currently presented in this area. The students’ welcome has ended with the intervention of the British architect, Mark Stephens (Polytechnic University of Catalonia), who detailed the processes, tools and structure followed by the publication and academic writing.

 

Workshops with new research

In the new researchers workshops, new investigations has been showed to face the different challenges that are already happening in European cities. In this sense, the workshops of Alejandro Fernández, doctoral researcher at the Technological University of Delft (TUDelf), have been highlighted. There, the housing affordability and sustainability policies in Europe have been analyzed. Regarding European policies to promote efficiency and energy saving, the author has stated that: “the sustainability of housing generates renovation costs that must be kept in mind when building social housing, and therefore, in its search for funding”.

The researcher at the Barcelona Metropolitan Housing Observatory (O-HB), Mireia Sender Martí, has focused her work on legislation related to social housing in Catalonia and Spain. “From a legal point of view, there is no single framework to regulate social housing. In the future, the idea is to build a single framework that will have to coexist with previous legislation still being in force”, she has said.

“The housing measures in Barcelona, such as the Neighborhood Plan, make the city an example of social transformation and urban planning on vulnerable areas”, has stressed Gonzalo Piasek, doctoral researcher at ETSAB, regarding his study on the neighborhoods of Barcelona and the relationship between social budget and urban vulnerability.

 

ENHR in El Born

This first day, dedicated to the colloquium between the new and the wise researchers, has ended with a networking activity: a visit to a 1876 building by the architect Josep Fontserè, which preserves the structure of the old Born market. In this way, it is intended to build up interaction, to create and to strengthen bonds between this sector professionals.