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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.​

Terraces in some parts of Gràcia and Sants Montjuïc required to close earlier

09/08/2022 - 12:51

City Council. The plan to cut noise pollution in the squares also includes staff on duty in Gràcia from 8 pm until closing time.

In a move to reduce noise levels affecting local residents, the squares of Sol, Virreina, Revolució, Diamant and Vila, all in Gràcia, and Jardins de la Mediterrània, in Sants-Montjuïc, have been classified as areas prone to excessive noise levels at night.

In Gràcia, closing times for terraces between April and October:

  • Sundays to Thursdays: 11 pm
  • Fridays, Saturdays and the eve of public holidays: midnight

The plan to cut noise in these squares also includes two workers in the squares of Sola, Vila and Diamant, plus one in Pl. Revolució, from 8 pm until closing time on the days that closing times are brought forward. Other measures promoted by the District, and adopted after talking to restaurant owners and local people once sound meters showed that permitted decibel levels are consistently exceeded, are:

  • Limiting concerts and events in these spaces.
  • Installing plastic feet on chairs and tables, plus plasticised chains for securing elements on terraces.
  • Ensuring establishments dump glass in recycling containers during the day and not at night, and that they stack furniture used in public space.
  • Continuing the awareness campaign with four information staff around the squares from 9 pm to 2 am on Thursdays, Fridays and Saturdays.
  • Improving the cleaning service with two new vehicles.
  • Maintaining specific inspections to control capacities at bars and restaurants, plus checks by the City Police relating to uncivil behaviour and noise.

Prevention work will be conducted through a joint operation between the City Police and the Mossos d’Esquadra, based on daily data for the squares. Local officers will also be in contact with local residents and shopkeepers to gain first-hand knowledge of the different issues.

The measures to reduce noise at night come in addition to the Squares Plan 2022, promoted by the district for the last six years to foster respectful behaviour and achieve harmony between local people’s right to hours of rest and the right of others to enjoy the city.

Closing times brought forward in Marina del Port too

In Sants-Montjuïc, closing times for terraces are also being brought forward by an hour in the Jardins de la Mediterrània, located in the neighbourhood of Marina del Port:

  • Sundays to Thursdays: terraces to close at 11 pm and establishments to close at 1.30 am.
  • Fridays, Saturdays and the eve of public holidays: terraces to close at midnight and establishments to close at 2 am.

Measures in this case consist of cleaning operations and City Police presence to ensure coexistence at closing times, the obligation for tables and chairs to have plastic feet and campaigns to avoid over-occupied terraces.

As with Gràcia, the measure will be formally communicated to establishments affected so that they can make relevant claims or suggestions. Noise levels will continue to be measured during this period.

A pioneering measure in the Spanish state, for districts to make use of

The measures to cut noise pollution come within the framework of the official recognition of areas prone to excessive noise at night (ZATHN), recently applied to Carrer d’Enric Granados, in L’Eixample.

A pioneering initiative in the Spanish state, the measure is available for districts to apply and allows for specific action targeting streets or squares where noise levels are shown to be excessive at night. The measure forms part of the Plan with Measures against Noise Pollution 2022-2030, summarised here.