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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.​

City agreement for a 22@ for local residents

19/11/2018 - 18:43

Urban planning. Residents’ organisations, universities and companies have signed an agreement which includes protected public housing, economic diversification, historical heritage and green zones.

Local residents, organisations, universities and companies have reached an agreement which looks beyond technological innovation in the way it rethinks the 22@ area, helping towards social cohesion and community life in Poblenou. The revamped model includes protected public housing, economic diversity, historical heritage and urban greenery for everyone to benefit from.

The new perspective and the goals for the 22@ were defined via the participatory process “Repensem el 22@”, with over a thousand local residents providing input.

Besides backing a neighbourhood aimed at local residents, more inclusive, integrated and sustainable, the agreement on the future of the 22@ means a new management model and urban planning based on joint work between all city stakeholders involved, taking on challenges and updating projects in line with current needs.

The institutions and organisations which have signed the agreement are:

  • Barcelona City Council
  • Federació d’Associacions de Veïns de Barcelona (FAVB)
  • Taula Eix Pere IV
  • Associació d’Empreses i Institucions 22@ Network
  • Poblenou Urban District
  • Universitat de Barcelona (UB)
  • Universitat Politècnica de Catalunya (UPC)
  • Universitat Pompeu Fabra (UPF)
  • Pla estratègic metropolità de Barcelona
  • Consorci Besòs
  • Consorci b_TEC – Campus Diagonal Besòs

More public housing

The new urban plan allows for more space to be earmarked for protected public housing, the current figure of 10% rising to 30%. This will help local residents access housing, mainly rented.

Poblenou’s traditional urban networks will also be studied to determine their value and protect them in the future.

Local commerce and economic diversity

The revamp of the usage plan for the district of Sant Martí will enable activity in the 22@ area to be regulated, protecting local commerce, promoting spaces for innovation and fostering diversity.

Apart from synergies with the technology sector, the idea is to back other strategic sectors such as the green economy, cultural and creative industries and the digital economy.

New green corridor

The creation of a street-calmed green thoroughfare in C/ Cristóbal de Moura will add a large new space to the neighbourhood, with priority for pedestrians meaning a boost for activities by local residents.

This green corridor, connecting the Parc Central del Pobelnou with the Besòs area, will help bond neighbourhoods via a healthier street with less traffic.

Preservation of industrial heritage

The industrial past of the 22@ area will be preserved by protecting factories and industrial buildings, the creation of renovation grants and a historical memory programme.

Ca l’Alier

The presentation of the city agreement for the 22@ took place at Ca l’Alier, which from now on will be the headquarters of the new municipal management body for the 22@. All the projects set out in the plan will be coordinated from here.

This old 19th century factory is one of the buildings in Sant Martí with heritage value  which has been regained by local residents. Formerly a symbol of the industrial revolution in the city, it now aims to become a symbol of technological renewal.

The centre is a point of reference for urban innovation for emerging companies and SMEs, helping to strengthen Barcelona as a capital for innovation.

 

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