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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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Registration is available for the open house of the new public housing of Lluís Borrassà

Registration is available for the open house of the new public housing of Lluís Borrassà

20/01/2023 - 15:01

Housing. On February 3 and 4, visitors will be able to see the new public rental housing development at C. Lluís Borrassà, which stands out for its energy efficiency, and which is part of the expansion of the public housing stock in the Sant Martí district.

In its commitment to expand the stock of public and affordable housing in all districts of the city, the Barcelona City Council offers the opportunity to visit one of the latest developments completed. A total of 54 subsidized housing units in a building located at C. Lluís Borrassà 23-25, in the district of Sant Martí, which those interested will be able to visit next February at an open house. 

Specifically, Friday, February 3 from 16:30 to 19:30 and Saturday, February 4 from 10:30 to 13:30 and from 16:30 to 19:30 are the dates chosen to present this recently completed work, just a few days before its awardees begin to live.

The visit to the development, within the framework of this day, is free of charge but requires prior registration. This can be done from January 20 online on this page or by phone at 604 513 870 (from January 20 to February 2, Monday to Friday from 10 a.m. to 2 p.m.). Visits, in any of the stipulated time slots, will last approximately 30 minutes.

A public rental park with quality and sustainable housing  

The new development at C. Lluís Borrassà is part of the efforts of the Barcelona City Council, through the Municipal Institute of Housing and Renovation (IMHAB), to expand the stock of public rental housing throughout the city through new construction.

In this sense, only in the district of Sant Martí, where this new development is located (specifically in the Besòs i Maresme neighborhood), this public park has been increased by about 2,000 apartments since 2015, when the Barcelona consistory began to implement a clear policy aimed at boosting the rental market.

This boost is also carried out by applying quality and sustainability criteria as a priority, with special attention to the impact on the environment and energy savings. In the case of the Lluís Borrassà development, the building has an A energy rating, the most efficient of all categories, and operates with aerothermal energy, an innovative technology that provides a renewable and clean energy source in its energy consumption. Two clear examples of the sustainability criteria applied in the building, as well as the installation of photovoltaic panels on the roofs.

The building has 54 apartments spread over 10 floors, as well as sports equipment on the first floor and a basement parking area with a total of 42 parking spaces. Access to the hall is through C. Lluís Borrassà, while the equipment is accessed through C. Salern. The building also has a communal space for the neighbors, on the fifth floor, as well as a terrace.

More info