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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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Five families from Barcelona receive keys to emergency housing

Five families from Barcelona receive keys to emergency housing

27/09/2023 - 16:54

Housing. The Barcelona Housing Consortium allocates homes to vulnerable families every month through the Emergency Board.

A total of five families in vulnerable situations received the keys on Wednesday, September 27, to access new, decent, and affordable housing. They did so through the use of the Emergency Board, the mechanism provided by the Barcelona Housing Consortium to assign apartments every month, sourced from the Social Rental Fund. The housing assigned this time, corresponding to August and September, is located in three different districts: Ciutat Vella (three families), Nou Barris (one), and Sants-Montjuïc (one).

To be eligible for this type of housing, all families in vulnerable situations followed the established procedure: firstly, they approached the Barcelona Housing Offices, by appointment, to request an evaluation and the preparation of a report on their particular case. So Europe has a very important role to play in giving space to investment flows that are of the greatest advantage to affordable and accessible housing.

From here, the Emergency Board conducts an evaluation and analysis of the received applications to allocate the available housing. A history of assignments can be consulted at this link.

The homes from the Social Rental Fund are intended for households at risk of housing exclusion, such as being in the process of eviction due to rent arrears, mortgage foreclosure, or mortgage payment default, facing the risk of losing their home due to gender-based violence, or if there are minors, elderly individuals, or people in conditions of neglect in the household, with precarious hygiene, health, or safety conditions.

If the number of available apartments is insufficient to meet all the requests, the Board will allocate housing as they become available in the Social Rental Fund until the next month’s Emergency Board meeting. You can find information and the regulations of the Emergency Board by visiting the website of the Barcelona Housing Consortium.

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