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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.​

Farewell to the cheap houses of Bon Pastor: the transformation of a neighbourhood born almost a century ago

26/06/2024 - 09:00

Housing. In 1929, the Bon Pastor cheap houses were built, the first social housing in Barcelona. Since then, the neighbourhood has been transformed, and now the small houses have been demolished to make way for officially protected apartments.

The transformation of Bon Pastor continues with the demolition of the last cheap houses that have been a symbol of the neighbourhood for almost a century. These were single-storey houses of around 60 square metres, some of which housed as many as 11 people, according to local residents.

Recalling those times, they all agree that life in the neighbourhood was very different from what it is today, referring to the environment and the relationship between them. They remember the Sant Joan celebrations around a long table that went from one end of the street to the other, that there were never any problems and that the children played and had fun with everything. There are those who feel sad when they see the rubble because it is the end of a cycle of life and although there was a lot of poverty, the people were happy, they say. As for the renovation, they say it will give the neighbourhood a new image and everything will be much nicer.

This is the fifth and final phase of the great transformation that Bon Pastor is undergoing. When it is finished, more new homes will be planned. So far, the apartments that have replaced the cheap houses have been built in the streets of Alfarràs, Biosca, Claramunt, Novelles and Salomó, on the passeig de Mollerussa and in the Lluita per les llibertats square.

The history of the cheap houses of Bon Pastor

Let us take a trip back in time to the 1920s. Those were the years when Barcelona received immigrants, attracted by the construction of the metro and the Universal Exhibition of 1929. Due to the lack of housing, they had to live in substandard dwellings on the outskirts of the city. To solve this problem, in 1927 the Barcelona City Council created the Barcelona Housing Board, the predecessor of the Barcelona Municipal Institute of Housing and Renovation (IMHAB).

A year later, in 1928, the council authorised the construction of the first public housing: cheap houses. There were four groups of houses, including the group of cheap houses of Bon Pastor, then called Milans del Bosch and, during the Republic, Bonaventura Carles Aribau. The houses, completed in 1929, had three bedrooms, a kitchen-dining room, a toilet and a laundry room. Initially the area belonged to Santa Coloma de Gramenet until 1945, when it was given to Barcelona.

Later, in 1958, the construction of 761 houses was authorised in the southern zone of the cheap houses, as a result of the adaptation of the Social Emergency Plan. Years later, the small houses were declared unsuitable because of their condition and because they were considered a waste of land.

Between 1981 and 1994, the Barcelona Housing Board carried out renovation work, and in 2002 a special plan was drawn up to demolish the cheap houses in order to build officially protected housing. The first keys were handed over four years later.

Since then, around ten developments have been built and nearly 600 families in the neighbourhood have benefited from the houses. A building with fifty flats is currently under construction and another with more than a hundred is planned. Although the neighbourhood lacks the essence of the old houses, the improvement in conditions and quality of housing is evident.

A place to remember

In fact, not all of the cheap houses were demolished, as 10 were preserved and turned into a museum, the MUHBA Bon Pastor.

This museum space was inaugurated last year and its aim is to preserve the memory of these characteristic houses and show the evolution of housing in Barcelona throughout history.

Entrance is free and you can visit the exhibitions entitled ‘Living in Cheap Houses. Bon Pastor, 1929-2010’ and ‘Accommodating the majority. Barcelona, 1860-2010’. Visitors will be able to learn more about the struggle for housing in the city, how people lived in Bon Pastor and discover the evolution of the interiors of the houses since they were built until 2010.