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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 study commission on housing issues analyses the effects of rent regulation in Barcelona

04/12/2024 - 13:04

Housing. At the second meeting, Barcelona City Council presented a report on the fall in the price of new rentals, the increase in seasonal rentals and multi-family dwellings.

Barcelona City Council has presented a report on the impact of rent regulation in Barcelona during the second meeting of the temporary commission for the study of housing issues. The data, presented by the Councillor for Urban Planning, Mobility and Housing, Laia Bonet, analysed the impact of the Stressed Market Areas. Complaints and sanctions collected by the Consumer Service and the Housing Legal Service were also presented.

The meeting was also attended by experts in the field, such as Ester Capella, former Minister of Territori of the Generalitat de Catalunya, Carles Donat, technical director of the Barcelona Metropolitan Housing Observatory, Carme Alcarazo, spokesperson of the Sindicat de Llogateres, and Sergi Llagostera, president of the Association of Owners of Catalonia.

Increasing stability of rented households

The report highlights that the price cap approved in March 2024 is working, with the average rental price falling by 5% compared to the first quarter, reaching €1,133.30 in the second quarter (-3.2% year-on-year). In terms of new contracts, the downward trend has continued since 2022, with 7,484 registered in the third quarter of 2024, 58 fewer than in the previous quarter. This decline is linked to the increase in current contracts, which is favoured by the stability of households resulting from the extension of the minimum duration of rental contracts to 5 or 7 years, introduced by the legislative amendment of 2019. Similarly, the turnover rate continues to fall, reinforcing this stability.

The municipal study also shows that the number of multi-family dwellings has increased to 6.2% of households in Barcelona, especially among low-income households. The districts with the highest incidence are Sants-Montjuïc, Gràcia, L’Eixample and Ciutat Vella. In addition, between April and July 2024, the Housing Offices received 924 requests for advice on renting and the regulation of the Stressed Market Areas.

In the light of these data, Laia Bonet wanted to emphasise that the cap on rental prices “is working, but it is not enough”. “The first step was to stop the escalation of rental prices and, according to the data presented, this has been achieved. Now it is necessary to consolidate the downward trend and this means increasing the supply of housing in the city”. Bonet also clarified that the most important issue at the moment is the regulation of seasonal rentals: “We need a regulation that is effective and has sufficient legal security to put an end to the fraud that is taking place. That is why we are working on the issue of what is the tool at the municipal level to provide that legal certainty to deal with this fraud”.

The Council shows its commitment to guaranteeing the right to housing

The aim of the temporary Commission for the Study of the Housing Problem is to analyse the current situation with a view to increasing the stock of protected public housing and combating the housing crisis, as well as to discuss innovations and collect proposals from bodies to achieve a housing pact.

The creation of this new working space, which will take place over six sessions, demonstrates the city’s commitment to guaranteeing the right to housing in the city. A further step towards involving all possible actors and collecting proposals to move towards a housing pact that includes the metropolitan and national vision, the public-private and public-community dimensions.

The third session will discuss the measures to limit and intervene in the free market in order to guarantee the affordability of housing, with the aim of combating property speculation.