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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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Barcelona City Council hands over the keys to the new residents of the housing units in Jaume Giralt

Barcelona City Council hands over the keys to the new residents of the housing units in Jaume Giralt

23/05/2023 - 16:55

Housing. The building purchased by the city council, consisting of 15 housing units and located in the district of Ciutat Vella, is being handed over to families under a rental scheme after being vacated and renovated.

On Monday, May 22nd, nine out of the fifteen assigned families of the building located on Carrer Jaume Giralt, in the district of Ciutat Vella, formalized the lease agreement and received the respective keys to their homes. The ceremony took place at the offices of the Municipal Institute of Housing and Renovation of Barcelona and marked another milestone in the renovation of this property, which had remained vacant until now. The remaining assigned families will receive the keys in the coming days.

These families came from housing units within the HUT program, as well as through proposals from the Barcelona Social Housing Applicants Register. It is expected that those who already have the keys will move into their new homes by the end of June, once the utilities have been activated.

The building on Carrer Jaume Giralt, located in the neighborhood of Sant Pere, Santa Caterina i la Ribera, consists of fifteen residential units and two commercial spaces, with a total area of 895 square meters. The purchase, carried out by the Barcelona City Council in the summer of 2022, was completed for a price of 3.5 million euros and included the eviction, subsequent renovation, and adaptation of the building to accommodate the new family units. Currently, out of the fifteen residential units, one is undergoing construction but will soon be operational.

The property is situated in the vicinity of Pou de la Figuera, an iconic environment for the neighborhood residents, with a rich history and collective memory.

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