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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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New social housing block with 72 rental flats in La Marina del Prat Vermell

New social housing block with 72 rental flats in La Marina del Prat Vermell

11/06/2024 - 15:39

Housing. The new block in C/ Ulldecona will house families who will pay rent according to their income.

The neighbourhood of La Marina del Prat Vermell, in the Sants-Montjuïc district, welcomes the new residents of the block at C/ Ulldecona, 2-10. The keys were handed over on Saturday to 72 new families from the register of social housing applicants, who will pay social rents of between 20% and 30% of their household incomes. The building stands out for its distinct triangular shape and its sustainability.

The building consists of five blocks, with a ground floor to be used for a public facility still to be defined, and six floors for the flats. Each floor has ten two-bedroom flats, one one-bedroom flat and one flat adapted for people with reduced mobility.

The flats are distributed as follows:

  • 20 flats for applicants under the age of 35.
  • 17 flats for people from the surrounding neighbourhoods (La Marina del Prat Vermell and La Marina del Port).
  • 7 flats for single-parent families.
  • 2 flats for people with disabilities.
  • 5 flats adapted for people with reduced mobility.
  • 2 flats for women victims of gender violence.
  • 15 flats for the general quota.
  • 4 flats for families from the Emergency Board.

The building was constructed with environmentally friendly materials and follows sustainability criteria to achieve near-zero consumption. It is designed to maximise solar gain and cross ventilation. In addition, 30% of the roof will be green.

Construction began in May 2021 and cost 11.1 million euros.

The growth of a new neighbourhood in La Marina del Prat Vermell

This development of 72 social homes in La Marina del Prat Vermell comes in addition to the two already completed: one at C/ Ulldecona, 26-28 (with 32 homes) and one at C/ Cal Cisó, 49-59 (with 108 flats).

At present, Barcelona’s social housing stock exceeds 11,500 flats.

 

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