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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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Sixty new homes for elderly people handed over in the district of Sant Martí

Sixty new homes for elderly people handed over in the district of Sant Martí

14/12/2024 - 13:16

Housing. The homes are part of the development at C/ Veneçuela, in the neighbourhood of Provençals del Poblenou.

The homes, for people over the age of 65, are part of the municipal public development at C/ Veneçuela, 96, in the neighbourhood of Provençals de Poblenou. The block offers rental flats with official protection, totally adapted and accessible, with specific services so that residents can maintain their personal autonomy. The block brings the number of housing projects in Barcelona of this type, with services for the elderly, to 27.

The homes were built by the Barcelona Municipal Institute for Housing and Renovation (IMHAB) and are managed by professionals from the Municipal Institute of Social Services (IMSS), who are tasked with ensuring that residents have access to the services they need to maintain their personal autonomy and improve their quality of life.

The homes have telephone lines connected to the telecare service, multi-purpose rooms for communal activities, concierge services, geriatric assistance and cleaning and an internal alarm service for possible incidents.

In addition, the block in C/ Veneçuela also has various communal areas, distributed in four greenhouse-style rooms and two terraces with different orientations, plus shared services such as a laundry, a storeroom and a space for drying clothes.

This is the 27th block of homes for services for the elderly to be built by the City Council in the last twenty years, bringing the total number of homes of this type in the city to 1,626. Next year will bring a further two blocks: one with 152 flats at the Casernes de Sant Andreu, and another with 47 homes at the Espai Germanetes in L’Eixample. Another development is under way in the neighbourhood of La Salut, which altogether will bring the number of homes with services for the elderly in the city to nearly 2,000.

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