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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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More public rental housing in Sant Martí and Nou Barris

More public rental housing in Sant Martí and Nou Barris

24/03/2023 - 13:00

Housing. Ninety-five flats in all, half or them for elderly people.

Work has now been completed on the two new blocks of public rental housing, with the keys shortly to be given to new residents. One is a block of 48 homes for elderly people in the neighbourhood of El Besòs i el Maresme, in Sant Martí, and the other is a block of 47 flats with affordable rents in the Torre Baró neighbourhood, in the district of Nou Barris.

Housing with services for the elderly

The block in C/ Puigcerdà, in Sant Martí, includes 48 new officially protected homes with services for the elderly, enabling beneficiaries to access affordable and sustainable homes to suit their needs.

The adapted homes have specific services such as phone lines connected to a teleassistance service, electrical sockets at a comfortable height, multi-purpose rooms and solariums, plus concierge services and cleaning of communal spaces and homes.

The building has two sections at different heights, of two and six floors respectively. The flats have floor space of 42 square metres and consist of a living-room, dining-room and kitchen all in a single space, one bedroom, one bathroom and a balcony. Utilities will be supplied communally to all flats and shared as a way of saving money.

New housing with affordable rents in Nou Barris

The Torre Baró neighbourhood is getting 47 new officially protected rental homes, at prices of between 440 and 550 euros depending on floor space. The building has five floors and a ground floor with a greenhouse and a central space.

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