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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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  3. Twelve families signed the rental contract for housing units in Block G1 of Bon Pastor

Twelve families signed the rental contract for housing units in Block G1 of Bon Pastor

Twelve families signed the rental contract for housing units in Block G1 of Bon Pastor

11/10/2023 - 16:17

Housing. These are the first households to receive the keys to a total of 163 remaining housing units in the Bon Pastor neighborhood, which are in the allocation process.

A total of twelve households formalized, on Tuesday, October 10, the signing of the rental contract for their new homes, which are part of the set of 163 available housing units in the Bon Pastor neighborhood, following the relocation of families affected by the urban redevelopment of the area.

In this way, all the families have taken the final step in the procedure to access a new home, following the lottery that determined the recipients and took place on June 30.

Specifically, the housing units signed so far correspond to Block G1 and are located at Carrer de Claramunt, 55, and Carrer de Salomó, 1-7. These housing units, consisting of two to three bedrooms, are intended for individuals under 35 years of age, single-parent families, individuals with disabilities who do not require adapted housing, and family splits.

Gradually, it is expected that all the favored household units from the lottery will formalize their contracts and access their respective homes, located in various parts of this neighborhood in the city of Barcelona.

This procedure is part of the agreement signed in the year 2003 between the Barcelona City Council and the Bon Pastor Neighborhood Association for the redevelopment of the low-cost housing complex in the neighborhood, planned in four phases. Currently, the fourth phase is in progress, which includes the construction of five blocks with a total of 244 housing units.

You can find the regulatory guidelines for this procedure, as well as the list of apartments assigned to each group and the list of applications that were successful in the lottery, below.

Regulatory bases

Floors allocated to each contingent

Successful applications in the lottery

 

Related links

More info