New deals on health and housing by the Joint Commission with the Catalan government

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.

City Council. The agreements mean 1,700 public homes can be built and will speed up the creation of nine primary healthcare centres and the expansion of a further two.

The latest meeting by the Barcelona City Council – Government of Catalonia Joint Commission to review the Municipal Charter and its implementation reached various agreements to collaborate on the construction of 1,700 public homes and eleven primary healthcare centres in the city. There were also deals on public transport, managing the Olympic Port, dissolving the Barcelonès County Council and more.

The main agreements reached are:

Housing

To formalise a collaboration agreement with the Catalan Land Institute (INCASOL) for the promotion and construction of at least 1,700 officially protected homes and accommodation with services with affordable rents. A first stage will see the City Council make 11 municipally owned plots available for INCASOL to promote housing there which must be completed in a maximum of five years. The commitment is also to add new plots within two years.

Health

Priority will be given to work on various primary and community healthcare centres. Specifically, work will be speeded up at 11 facilities in the pipeline or where work is already under way:

CAP Besòs (expansion in progress)
CAP La Pau (expansión in progress)
New CAP Raval Nord
New CAP Fort Pienc
New CAP Congrés i els Indians
New CAP El Parc i Llacuna del Poblenou
New CAP La Sagrera
New CAP i CUAP La Clota – Horta
New CAP La Marina del Prat Vermell
New CAP Barceloneta
New CAP Gòtic

The process will also be speeded up for five facilities currently a the study stage, with their location to be determined or expansion projects to be validated:

Sardenya
Casc Antic
Casanovas
Roquetes (expansion)
Drassanes (expansion)

Public transport

Commitment to install lifts on L1 and L5 metro lines in Plaça de Sants.

Olympic Port

Period for the City Council to directly manage the Olympic Port increased to 50 years.

Barcelonès County Council

Agreement to execute ruling 2343/2022, of 16 June 2022, on the dissolution of the Barcelonès County Council.

Other matters

The Joint Commission also addressed other matters such as collaboration, in terms of justice, on the fulfilment of measures linked to work and provision of services in benefit of the community, and the proposal to amend the Municipal Charter to upgrade the articles relating to ways of managing municipal services and activities. The session also brought to light the situation of consortiums regulated by the Municipal Charter: Education, Housing, Healthcare and Social Services.