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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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The Emergency Board hands over the keys to housing to eleven vulnerable families

The Emergency Board hands over the keys to housing to eleven vulnerable families

28/03/2023 - 16:53

Housing. The housing units are allocated each month by the Barcelona Housing Consortium and come from the Social Rental Fund.

Through the Emergency Board for March, a total of eleven families who are in a situation of vulnerability in the city of Barcelona received the keys to new homes. A mechanism carried out by the Barcelona Housing Consortium based on monthly allocations, which come from the Social Rental Fund. Of the receiving families, eight received them on Tuesday, March 28, while the other three already received them previously. 

The ceremony was led by the Councilor for Housing and Renovation of the Barcelona City Council, Lucía Martín, who welcomed the families who are in circumstances of social and economic emergency.

The beneficiary families followed the steps that are available to all people in a situation of vulnerability. First of all, they made an appointment to go to the Network of Barcelona Housing Offices to have their particular case assessed and a report drawn up. From here, the Emergency Board will be in charge of evaluating and analyzing the files received from the Offices to allocate the available housing. You can consult all the adjudications in this link.

The housing units are destined to cohabitation units at risk of residential exclusion, such as being in the process of eviction due to rental debt, foreclosure, or surrender of the property as payment for a mortgage debt, or the property in question there are minors, elderly people or those living in a situation of neglect, in precarious hygienic, sanitary and safety conditions.

If there are not enough apartments available to respond to the files positively assessed by the Table, housing will be allocated as they are incorporated into the Social Rental Fund until the Emergency Board is held the following month. The information and rules of the Committee can be consulted on the website of the Barcelona Housing Consortium.

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