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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 Barcelona City Council hands over the keys to 54 public rental homes in Bon Pastor

The Barcelona City Council hands over the keys to 54 public rental homes in Bon Pastor

04/12/2023 - 09:52

The 54 winning families can now move into their new homes located at 2-10 Novelles Street in the Bon Pastor neighborhood (Sant Andreu district). The building consists of 27 social rental units and 27 affordable rental units.

The Barcelona City Council, through the Municipal Institute of Housing and Renovation of Barcelona (IMHAB), has handed over the keys to the new apartments on Novelles Street, 2-10, in the Bon Pastor neighborhood, Sant Andreu district. The event was attended by the district councilor, Marta Villanueva, the Housing Commissioner, Joan Ramon Riera, and the president of the Bon Pastor Neighborhood Association, Paquita Delgado.

The commissioner focused on the significant change this represents for families and assured that “it is a turning point in their life project”. “Those of us who remember what Bon Pastor was like 25-30 years ago know the depth of the social change this implies for families”, he added. He also wanted to emphasize that “we are very pleased” that “from the City Council, we can support the construction of life projects”.

The councilor highlighted that families are changing homes but not leaving the neighborhood: “The apartments we are delivering belong to neighbors who live in Bon Pastor and, therefore, continue to be in the neighborhood. It is important not to leave your space, and being able to grow and develop your life project in your environment is the best”. Finally, she mentioned the “great challenge” of transforming the Sant Andreu district in general and the Bon Pastor neighborhood in particular: “We are growing, and we want to do it hand in hand with the neighbors. Bon Pastor is transforming, and to not forget where we come from, we have a museum about this new transformation”, referring to the Museum of Cases Barates.

This is the building at Novelles Street, 2-10
This development consists of 27 social rental units and 27 affordable rental units. Therefore, 54 beneficiaries and their families have already been able to enter their new homes. One of them is Maria Matkava, who is “very grateful”. She and her family face the new stage “very content and very happy”. “I have no words to explain the emotion I feel”, she confesses.

It is a four-story building with a ground floor and a basement with parking for 55 four-wheel vehicles. Of the 54 apartments, 39 have three bedrooms, 14 have two bedrooms, and only 1 apartment has one.

Regarding energy efficiency, the design is intended to promote maximum cross ventilation, with mixed natural gas condensing boilers, and solar panels installed on the roof. In addition, it will have pneumatic collection of urban solid waste.

Building I1 is part of the fourth phase of the renovation process of the Bon Pastor cheap houses neighborhood that IMHAB has been carrying out for 16 years. The first phase was completed in 2006, delivering 152 new apartments. In 2010, another 190 were delivered, and in March 2017, 167. In this fourth phase, a total of 244 homes will be built.

More info