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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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The process of allocating surplus homes in Bon Pastor begins

The process of allocating surplus homes in Bon Pastor begins

21/04/2023 - 13:41

Housing. The procedure to allocate 163 surplus homes has begun after the relocation of families affected by the urban redevelopment of the neighborhood.

The Barcelona City Council, through the Municipal Institute of Housing and Renovation (IMHAB), has launched the allocation process for 163 public homes with official protection under the rental system, located in the Bon Pastor neighborhood of Barcelona.

These homes in this district of Sant Andreu are surplus after the relocation process of all the families affected by the urban redevelopment in the area, and are now available to families who need it and meet the stipulated requirements.

You can consult the regulatory bases for this process, as well as the provisional list of persons admitted in each lottery, below.

 

Regulatory bases

Provisional list of persons admitted

 

Appeals to the list may be filed within a period of 10 business days, counted from the day following the publication of the list in question. Appeals must be processed by any legal means, preferably through an application filed in the IMHAB registry (at Doctor Aiguader street, 36). Access requires a prior appointment, which can be requested by calling 010.

In the first place, an initial allocation will be made to family splits that occur within the family units constituted among the relocated and that meet the stipulated requirements, while subsequently, in case there are remaining houses, residents of the Bon Pastor neighborhood who also meet the required requirements will be considered. 

The common and specific requirements of the call, the typology of the protected housing, and other relevant information can be consulted in the terms and conditions of the process.

The extensive remodeling of Bon Pastor

In 2003, the Barcelona City Council and the Bon Pastor Neighborhood Association signed an agreement for the renovation of the affordable housing complex in Bon Pastor, planned in four phases. Currently, the fourth and final phase is underway, which includes the construction of five blocks with a total of 244 housing units.

More info