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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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Emergency housing keys are handed over to five families in Barcelona

Emergency housing keys are handed over to five families in Barcelona

26/05/2023 - 17:32

Housing. On a monthly basis, the Barcelona Housing Consortium allocates homes to families in vulnerable situations through the Emergency Board.

On Friday, May 26th, up to five families affected by a situation of vulnerability received the keys to their new homes, allowing them to live in a more dignified manner in the city of Barcelona. The delivery of keys is the result of the Emergency Board’s actions, the mechanism that coordinates the Barcelona Housing Consortium in assigning apartments from the Social Rental Fund.

The allocation of homes takes place monthly, and this month of May, it was granted to five recipient families who will reside in properties located in the districts of Sant Martí (one familiy), Ciutat Vella (one), Horta-Guinardó (one), and Nou Barris (two). 

All families who have been able to choose to access a new home in Barcelona, and who were in a vulnerable situation, have followed the steps outlined in the procedure. Firstly, they must make an appointment in advance with the Barcelona Housing Office to have their case evaluated and a report prepared on their specific situation.

From this point on, the Emergency Board is responsible for evaluating and analyzing the received applications from the Offices in order to allocate the available homes. All allocations can be consulted at this link. 

The homes are intended for cohabitation units at risk of residential exclusion, such as being in the process of eviction due to rental debt, foreclosure, or surrender of the property as payment for a mortgage debt, or the property in question there are minors, elderly people or those living in a situation of neglect, in precarious hygienic, sanitary and safety conditions.

In the event that there are not enough available apartments to accommodate the positively evaluated applications by the Emergency Board, homes will be allocated as they become part of the Social Rental Fund until the next month’s Emergency Board meeting. Information and regulations regarding the Emergency Board can be found on the website of the Barcelona Housing Consortium.

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