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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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The Emergency Board hands over the keys to housing to nine families in Barcelona

The Emergency Board hands over the keys to housing to nine families in Barcelona

06/03/2023 - 11:01

Housing. The Barcelona Housing Consortium delivers, every month, housing from the Social Rental Fund to families in vulnerable situations.

As of this March, nine Barcelona families now have a new home where they can live in dignity in the city. All of them received the keys on Friday, March 3, in a ceremony held at the offices of the Municipal Institute of Housing and Renovation of Barcelona (IMHAB), where they were also provided with all the necessary information to complete the corresponding procedure.

The apartments destined for the successful bidders correspond to the Emergency Table that is held monthly, and come from the Social Rent Fund that the Barcelona Housing Consortium allocates to people with economic difficulties and at risk of residential exclusion.

For all those individuals and families who find themselves in this situation, they can go, in the first instance, to the Network of Housing Offices of Barcelona, by appointment, to have their case assessed with a report. From here, the Emergency Board will be in charge of evaluating the files received to allocate the available housing. All the allocations can be consulted at this link.

The housing units in question are preferably destined to cohabitation units at risk of residential exclusion, such as being in the process of eviction due to rental debt, foreclosure, or surrender of the property as payment for a mortgage debt, or the property in question there are minors, elderly people or those living in a situation of neglect, in precarious hygienic, sanitary and safety conditions.

If there are not enough apartments available to respond to the files positively assessed by the Table, housing will be allocated as they are incorporated into the Social Rental Fund until the Emergency Board is held the following month. The information and rules of the Committee can be consulted on the website of the Barcelona Housing Consortium.

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