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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.​

The book ‘Cohousing in Barcelona’ defends cooperative housing as an affordable and sustainable alternative

02/02/2024 - 13:09

Housing. College of Architects of Catalonia hosted the presentation of the book with the project managers, who appreciated the transformative power of cooperative housing in the form of transfer of use, both in the social and urban spheres.

On Thursday 1 February, the presentation of the book ‘Cohousing in Barcelona. Architecture from / for the Community’ was held in the auditorium of the College of Architects of Catalonia, in the presence of Joan Ramon Riera, the Housing Commissioner of Barcelona City Council, the co-editors of the book and the architects who designed the social housing buildings that are already in operation.

The book, published by the Diputació de Barcelona and Actar, is a compilation of housing projects in transfer of use in the city of Barcelona, explaining, among other things, the participatory process with the communities and the details of the construction. One of the aims of the book was to “make the design process of the projects visible”, according to Marta Bugés, one of the co-editors.

Tomoko Sakamoto – co-editor of the book, architect and resident of La Chalmeta, one of the co-housing buildings in Marina del Prat Vermell – opened the event by mentioning the three aspects that characterise co-housing: affordability, community and shared living, and sustainability (both in terms of building materials and energy efficiency). He also stressed that co-housing can change the way architecture is done, not only in housing but also in other areas.

Joan Ramon Riera, Housing Commissioner of Barcelona City Council, then referred to the city’s housing problem and said that cohousing was “part of the solution”, “breaking the mould” and “promoting different ways of living as opposed to the uniformity of cities”. He concluded his speech by pointing out the importance of this book in the field of architecture.

Cohousing projects in Barcelona

After the opening speeches, the architects of the projects presented each of the buildings, explaining the steps in the construction process, the challenges encountered along the way and the specific features of each block. Have intervened Joan Barba, architect of Princesa49; Ernest Garriga, architect of La Balma and member of Lacol; Sonia Hernàndez-Montaño, organic building consultant of La Chalmeta; Diego Carrillo, architect of Cirerers and member of Celobert; and Lis Figueras, architect of La Xarxaire and member of La Mar d’arquitectes.

All of them appreciated the work of the co-editors and the following common points have been extracted from their presentations:

  • Cohousing is a new way of living and building community through self-management and shared spaces.
  • Cohousing is closely linked to the defence of the ecological transition and the use of sustainable materials (wood, natural insulation, PVC-free…).
  • They promoted participatory processes with the cohousing units during the design of the buildings.
  • Obstacles came from the administration.

The following discussion

The second part of the presentation was a round discussion moderated by Ricardo Devesa, architect and coeditor of the book.

When asked about the contribution of cooperative housing, Garriga stressed that it is a “radical and anti-capitalist architecture” and that the construction of this type of housing must be approached “without fear of making mistakes” and with “constant trial and error”. Hernàndez-Montaño hoped that “hopefully there will be more” and Figueras added that cooperative housing “reflects the way of thinking of the people who live there” and that the projects are born from a group of people with a desire to change things and not “from a developer who then wants to sell the homes”, as happens in the traditional housing model. In relation to this point, Barba stated that “the speculative side is not interested in [co-operative housing] succeeding”.

For his part, Carrillo stressed “the importance of empathy” in the design of the project, because it “affects the lives of the people who will live there”, and considered it “a merit” that innovation is taking place in this field “despite the administrative obstacles” that slow the process down.