Tanca Tanca

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.​

  1. Home
  2. Latest news
  3. Industrialised housing and the IMHAB community welfare service, present at the Mediterranean Real Estate Exhibition in Malaga

Industrialised housing and the IMHAB community welfare service, present at the Mediterranean Real Estate Exhibition in Malaga

Industrialised housing and the IMHAB community welfare service, present at the Mediterranean Real Estate Exhibition in Malaga

11/11/2024 - 13:49

Housing. The IMHAB has highlighted the example of Barcelona in the use of industrialisation in the construction of public housing, as well as its intervention in the resolution of conflicts in the buildings it manages.

The Municipal Institute of Housing and Renovation of Barcelona (IMHAB) participated in two of the presentations at the II International Meeting on Protected, Social and Affordable Housing, within the 20th edition of the Mediterranean Real Estate Exhibition (Simed), held in Malaga. During the talks, the experience in industrialized construction in public housing developments in the city has been valued and the role of mediation and conflict resolution played by the Intervention Service for the Wellbeing of the Communities of Barcelona (SIBEC) was explained.

The IMHAB was represented by Gerard Capó, Manager, Joan Carles Melero, Director of Technical Services, and Griselda Fernández, Director of Public Stock Management Services.

Technical conference on industrialisation in the construction of social and affordable housing

In his speech, Joan Carles Melero discussed the advantages of industrialised housing, a system that Barcelona City Council has strongly promoted in recent years in order to have more public and more sustainable housing in less time.

With industrialisation, the delivery time of the works is reduced thanks to the single tender model for the project and the works, in which the construction company and the architecture firm work together from the beginning of the project. In addition, some processes are carried out in parallel in the factory and the parts are then transported to the site and assembled. With this system, developments can be completed two years earlier than with the conventional model.

Presentations by the winners of the AVS Awards: the Intervention Service for the Wellbeing in Communities of Barcelona (SIBEC)

Last May, the Spanish Association of Public Housing and Land Managers (AVS) presented its annual awards, and in this edition of Simed several sessions were organised in which the winners explained their project. Among them was SIBEC, which was awarded in the category of Best Achievement in the Administration and Management of Social Housing, in recognition of “the uniqueness of this innovative model of diagnosis and intervention” in the event of conflict in the buildings managed by IMHAB.

Griselda Fernández, Director of Public Stock Management Services at IMHAB, explained the function of the SIBEC and the objective for which it was created. The session was moderated by Gerard Capó, manager of IMHAB and member of the Permanent Committee of the AVS.

SIBEC was set up in June 2023 with the aim of identifying problems, monitoring proposals for improvement and promoting preventive measures to avoid incidents.

The service is divided into five groups (corresponding to five blocks of flats) and four intervention teams, which work to prevent and resolve conflicts in the community, reduce late payments, provide social support and prevent evictions.

Related links

More info