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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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Application period open for municipal plots to build affordable social housing

Application period open for municipal plots to build affordable social housing

05/02/2021 - 17:09

Housing. Cooperatives and foundations have until 28 February to put forward their projects.

Organisations seeking to promote affordable social housing in Barcelona can now present their projects. The application period is open until 28 February and comes within the context of the collaboration agreement signed last November by Barcelona City Council, the Catalan Association of Social Housing Policy Managers (GHS) and various other entities in this sector (Cohabitac, FCHC and XES).

 

The goal of the agreement is to expand the public housing stock by 1,000 flats with social rents and affordable cooperative housing. Out of this total, 60% of the flats will be for rent and 40% for cohousing initiatives.

The agreement follows the model of other European cities such as Vienna, Amsterdam and Berlin, based on a public-private social collaboration framework to help respond to people’s housing needs. In this respect, procedures will be streamlined and public ownership of land guaranteed for project by non-profit entities, foundations and cooperatives.

Organisations wishing to put forward projects for the municipal plots available can get more information on the requisites and the documentation needed on the website for the Catalan Association of Social Housing Policy Managers. Once the application period concludes, a commission made up of the City Council and GHS will validate the proposals, also taking into consideration compliance with criteria on energy efficiency, project distinction and industrialisation.

Affordable social housing for nearly 500 people

Thanks to this agreement, the coming months will see the City Council grant the use of 15 plots of land to build on and three buildings for renovation, between them representing projects for a total of 497 homes. Work is expected to begin in mid to later 2022, with the first tenants to move in around two years later.

By district, the plots of land and buildings are:

Ciutat Vella:

  • Carrer de la Reina Amàlia, 10 (Raval): building for renovation with 10 homes to rent or tenant cooperatives.
  • Passeig de Joan de Borbó Comte de Barcelona, 44-45 (Barceloneta): building for renovation with 30 homes to rent.
  • Carrer de Sant Martí, 12-16 (Raval): plot for a building with 43 homes for rent or tenant cooperatives.

Sants-Montjuïc:

  • Passeig de l’Exposició, 38 (Poble-sec): plot for 6 co-housing homes.
  • Carrer de Mossèn Amadeu Oller, 17-21 (La Bordeta): plot for 40 co-housing homes.
  • Carrer de Rossend Arús, 36-38 (Sants): building to renovate with 7 co-housing homes.
  • Carrer d’Ulldecona, 11X (La Marina del Prat Vermell): plot for a building with 84 homes to rent.

Sarrià – Sant Gervasi:

  • Via Augusta, 375-381 (Sarrià): plot for 15 co-housing homes for the elderly.
  • Via Augusta, 383-387 (Sarrià): plot for 17 co-housing homes for the elderly.
  • Via Augusta, 389-393 (Sarrià): plot for 17 co-housing homes for people with disabilities.
  • Via Augusta, 421-425 (Sarrià): plot for a building with 30 homes to rent.

Gràcia:

  • Carrer de Gustavo Adolfo Bécquer, 11 (Vallcarca i els Penitents): plot for 25 co-housing homes.
  • Avinguda de Vallcarca, 110 (Vallcarca i els Penitents): plot for 37 co-housing homes.

Sant Martí:

  • Carrer de Pere IV, 115 (El Parc i la Llacuna del Poblenou): plot for 23 co-housing homes.
  • Carrer de Binèfar, 26 (La Verneda i la Pau): plot for a building for 47 homes to rent or for tenant cooperatives.

 

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