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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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A new edition of the Barcelona Housing and Renovation Forum returns

A new edition of the Barcelona Housing and Renovation Forum returns

11/10/2022 - 14:46

Housing. On November 28 and 29, experts from the sector will share a double day with issues such as the housing emergency, rehabilitation, and the promotion of industrialized housing at the center of the debate.

On November 28 and 29, the Barcelona Housing and Renovation Forum (FHAR) will take place, organized by the Barcelona City Council, through the Housing and Rehabilitation Department. Specifically, it will be the third edition of this event, which this year will be held at the Palo Alto Barcelona site, in the middle of Poblenou, and will once again feature a double day focused on professionals, activists, researchers, workers in the sector and anyone interested in this field.

To put at the center of the debate some of the most burning issues of housing, with direct impact on citizens, the third edition of the FHAR will be divided into three thematic blocks, where topics such as rehabilitation and subsidies offered, housing emergency and the promotion of industrialized housing will be analyzed. Each of these blocks will have round tables and conferences, presented and moderated by the housing researcher and communicator, Núria Moliner.

Registrations for a place at the event will be open soon. In the meantime, you can keep up to date with the main news by subscribing to the FHAR newsletter.

We will soon announce the speakers present at the forum, as well as the complete program of sessions. Stay tuned and don’t miss any details!

More info