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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 makes a new delivery of eleven keys to emergency housing units

The Barcelona City Council makes a new delivery of eleven keys to emergency housing units

28/11/2023 - 13:27

Housing. Eleven families in the city, beneficiaries of the Emergency Board, received the keys to their new homes this Tuesday in the monthly event organized by the Barcelona Housing Consortium.

 

The Barcelona City Council, through the Barcelona Housing Consortium, handed over the keys to new Emergency Board apartments to eleven families in the city this Tuesday.

The event, held monthly, took place at the offices of the Municipal Institute of Housing and Renovation of Barcelona, on Doctor Aiguader Street, and was attended by the Housing Commissioner, Joan Ramon Riera.

The beneficiary families arrived gradually to make the payment of the deposit and the first rental installment and then completed the pending procedures to make the delivery effective. They also received an orientation talk about coexistence and mediation measures.

The apartments delivered today are located in the districts of Ciutat Vella, Sants-Montjuïc, Nou Barris, Sant Andreu, and Sant Martí.

Housing to address situations of social and economic vulnerability

Before receiving an apartment from the Emergency Board, families have to follow some previous steps, starting by making an appointment at the Barcelona Housing Office Network and requesting the Emergency Board to assess the case and prepare a report. Once all the files are received, an analysis is conducted to allocate the available housing.

These social rental housing units are intended for:

  • Households at risk of residential exclusion (such as those in the process of eviction due to rent arrears, foreclosure, and debt repayment through mortgage handover).
  • Individuals at risk of losing their homes due to gender-based violence.
  • Households with minors, elderly people, or individuals in situations of neglect in precarious hygienic, sanitary, or safety conditions.

If there are more requests than available housing, the Emergency Board will allocate the apartments as they become part of the Social Rental Fund until the next month’s Emergency Board meeting.

Information and the rules of the Emergency Board can be found on the Barcelona Housing Consortium’s website.

More info