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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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Call for applications for grants to allocate private housing to families in a housing emergency situation is now open

Call for applications for grants to allocate private housing to families in a housing emergency situation is now open

17/09/2024 - 13:53

Housing. Housing organisations have until 30 September to submit their applications. The Barcelona Housing Consortium will allocate 24 million euros over four years to increase the number of social housing units in the city.

The Barcelona Housing Consortium has launched a call for grants to private housing management organisations to house people in a situation of economic and social hardship and at risk of housing exclusion. 24 million euros will be allocated between 2024 and 2027 (6 million euros per year).

This is the first time that these grants have been announced, replacing the old agreements with the entities. The aim is to stimulate and increase the number of social housing units in the city, offering a solution to citizens who do not have access to decent housing or are at risk of losing it.

The beneficiaries of these grants are non-profit organisations that are the owners or holders of a house that they have placed at the disposal of the Barcelona Emergency Board or the ‘Primer la Llar’ Service. The legal bases provide for the following exceptions:

  • Publicly-owned dwellings managed or administered by the Generalitat de Catalunya, the Barcelona City Council or other public bodies.
  • When the owner is obliged to offer:
    • A social rent in relation to the dwelling, in accordance with current regulations.
    • A lease or other public law obligation based on the general interest to the occupants of a dwelling that is in danger of being lost.

According to Joan Ramon Riera, Housing Commissioner of Barcelona City Council, “it will allow 450 homes to be transferred from the private market to the public housing stock, while at the same time providing services to the most vulnerable families”.

Applications must be submitted on a standard form, duly formalised and signed by the organisation(s) requesting the grant. In addition, they must provide a standardised list of the dwellings that they make available or have made available to the Barcelona Emergency Board or the ‘Primer la Llar’ service, as well as a duly signed declaration of responsibility, in accordance with the standardised form, certifying that the applicants meet the requirements set out in the legal bases.

The managing entities that obtain the aid will receive:

  • A subsidy for the payment of the difference between the rental fee or rent of the dwellings and the rent that the cohabitation units should pay, according to the amounts established in the regulatory bases.
  • A subsidy to cover the costs of management and maintenance of the dwellings, according to the amounts established in the regulatory bases.

The requirements, incompatibilities and all information on the documents to be submitted can be found in the regulatory bases.

Interested entities may submit applications until 30 September 2024 at 14:30 (the deadline for accepting applications for grants may be earlier depending on the availability of funds).

More info