The list of social entities awarded housing for vulnerable groups has been published

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.

Housing. The Barcelona Housing Consortium is allocating ten housing units to social organisations to help people in situations of vulnerability or exclusion, lack of protection, disability or dependency related to housing and housing emergencies.

As a result of the call for applications for the transfer of public housing to social organisations for people in vulnerable situations, the Barcelona Housing Consortium (CHB) has published the list of approved organisations with a proposal for allocation (10) and those on the waiting list (25).

The procedure established in point 7.7 of the Regulatory Bases was followed and the allocation was made to the organisations with the highest score in each of the typologies of the nine groups listed. This criterion has also been used to allocate the units on the waiting list.

The published list includes the first homes proposed by the entities and, when this first waiting list is exhausted, a new list of second homes will be drawn up.

The duration of the agreement or contract will be at least three years, in accordance with the corresponding regulations, renewable on a case-by-case basis.

Any entity wishing to do so may submit objections to this provisional list within ten working days of its publication.

The provisional list can be downloaded from the following link and from the “More information” section of this news item.

Publication of provisional allocation of social housing units (CAT)

Public housing for vulnerable groups
The ten flats have been allocated to private social initiatives and non-profit organisations that work with these vulnerable groups: people in need of health care, homeless people, people with mental health problems and people in a situation of housing exclusion, among others.

The apartments range in size from 40 m² to 90 m² and have one, two or three bedrooms.