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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.

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Housing Offices and Energy Advice Points (PAE) continue to operate by phone and online to help prevent the spread of Covid-19. Check how to access services here.

International experts to participate in the Housing and Renovation Forum of Barcelona

12/03/2019 - 16:44

Housing. Journalist Cristina Fallarás and architect and ex-relator of the UN Raquel Rolnik will participate in the inaugural round table of a forum with over forty speakers from around the world

Some forty housing issue experts of international importance have confirmed their participation in the Forum of Housing and Renovation of Barcelona (FHAR), which will be held between 19 and 21 March at the Contemporary Art Museum of Barcelona (MACBA).

The journalist, writer and women’s rights defender, Cristina Fallarás, will moderate the round table that will kick-off the FHAR. This event will also include the presence of Raquel Rolnik, architect and ex-relator of the United Nations for housing, who will speak about the global challenges posed by housing with Josep Maria Montaner, Councillor for Housing and Renovation of the Barcelona City Council.

This act will begin three days of reflection and discussion on the future of housing rights in the city and will include various international experts in the housing sector.

This is the case, for example, of Joaquín de Santos, head of the European project Sustainable Housing for Inclusive and Cohesive Cities (SHICC) at the Community Land Trust Bruxelles (CLTB); Gerald Koessl, representative of the Austrian Federation of Limited Profit Housing Associations; Bojan Schnabl, coordinator of the EUUA Housing Partnership, and Zaida Muxí, architect and author of the book Women, Homes and Cities.

The FHAR is an initiative of the Municipal Institute of Housing and Renovation (IMHAB) of the Barcelona City Council and will bring together professionals and experts from the public and private sector from around the world. They will all contribute to marking future challenges and finding solutions to the current situation.

 

Housing policies, under debate

The FHAR programme is organised around five main areas: planning of housing policies; creating and rethinking the affordable housing market, responding to the housing emergency, co-producing with other agents, and regulating the market.

The event of Wednesday, March 20, will be dedicated to the planning of housing policies and the creation of an affordable housing market. The first conference, on the planning of housing policies, will feature Carme Trilla, president of the Metropolitan Housing Observatory of Barcelona; and Mario Yoldi, Director of Housing of the Basque Government and promoter of the Basque Housing Observatory.

The role of administrations in the housing access crisis will be the theme of another round table on housing policies, which will be attended by Helena Beunza, general secretary of housing of the Ministry of Development; Agustí Serra, secretary of Urban Habitat and Territory of the Government of Catalonia and Javier Burón, manager of Housing and Renovation of the Barcelona City Council.

The second part of the event on Wednesday 20 will focus on creating and rethinking housing. There will be a round table on intergenerational housing with the participation of Gaspar Mayor, manager of the Municipal Housing Trust of Alicante; Zaida Muxí, architect and author of the book Women, Homes and Cities; and Ana Fernández, architect at Cohousing Lab.

In addition, the finalists of the BCN-NYC Challenge will be presented and a work in progress session will introduce six new construction and renovation projects for public housing in Barcelona.

 

Co-production with other agents

The FHAR will continue on Thursday 21 with a programme focused on measures to respond to the housing emergency, and also on the co-production of housing with other agents.

The first round table of the day on Thursday will have the participation of Maria Assumpció Vilà, from the Ombudsman service of Barcelona, ​​who will moderate a discussion between Judith Cobacho, SIPHO and Associació Vincle; Lucía Delgado, spokesperson for the PAH Barcelona, ​​and Fernando Díaz, representative of Cáritas on responses to the emergency.

Two tables will serve to address the issue of community co-production. The first will bring together Ricard Fernández, manager of Social Rights of the Barcelona City Council; and Gerald Koessl, representative of the Austrian Federation of Limited Profit Housing Associations.

Next, there will be a discussion on community co-production with national and international experts such as Joaquin de Santos, head of the European project Sustainable Housing for Inclusive and Cohesive Cities (SHICC) at the Community Land Trust Bruxelles (CLTB); Maria Antònia Garcías Roig, manager of the Balearic Institute of Housing (IBAVI) and Vanesa Valiño, chief of staff of the Department of Housing and Renovation of the Barcelona City Council. 

 

Market regulation

The final day of the FHAR will dedicate a large part of its sessions to regulation of the market. This block will centre on the fight against gentrification, with a discussion between David Bravo, architect and advisor to the Barcelona City Council, and Rui Neves Bochmann Franco, Councillor for Housing and Local Development of the Lisbon City Council.

Next, there will be a discussion on collaboration and control to ensure the proper use of housing, which will feature Fuensanta Alcalá, technical director of the Housing Discipline Unit of IMHAB, Joan Manel González, municipal architect in Santa Coloma de Gramenet; and Núria Pedrals, architect.

The FHAR will end with a round table that will bring together representatives of different international tenant associations. Specifically, Bojan Schnabl, coordinator of the EUUA Housing Partnership, will participate in the table; Reiner Wild, executive director of the Mieterverein Berlin; Jaime Palomera, spokesperson for the Barcelona Tenants Union; and Elga Molina, head of the Social Rental Pool of the Regional Council of Tarragonès, PhD in Law and Associate Professor of Civil Law at the URV.

To participate in the Forum of Housing and Renovation of Barcelona, ​register through this link.

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