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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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Commission constituted to study the issue of housing

Commission constituted to study the issue of housing

26/11/2024 - 14:47

Housing. The goal is to assess the current situation and boost the public stock of protected housing, and to fight the housing emergency.

The Commission to Study the Housing Problem has been set up to boost the public stock of protected housing, fight the housing emergency and gather and discuss proposals from organisations to achieve a housing agreement. The constitution of this commission was approved in October’s full council meeting, with the new body to meet for six scheduled public sessions.

The main goal is to analyse legislation, urban planning and the investment needed to bolster the public housing stock, fight the housing emergency and study the impact of regulating rents and seasonal rentals, urban planning innovation and urban regeneration.

The commission will be chaired by the Barcelona en Comú councillor Janet Sanz, with the First Deputy Mayor Laia Bonet as the vice-chair.

Six sessions to tackle housing challenges

The first session approved the rules, function and content of the sessions that will follow. The rest of the sessions will be organised as follows:

  • The second session will examine the regulation of rents in the city and the effect of seasonal rents or room-only rents.
  • The third session will discuss measures for contention and intervention in the free market to ensure the affordability of housing and combat property speculation.
  • The fourth session will look at strategies for renovation and urban regeneration: sustainability, safety, healthy conditions and the dignified state of the housing stock.
  • The fifth session will look at innovation in policies at a European level to guarantee the right to housing.
  • Finally, the sixth session will present the report with the conclusions of the commission.