Tanca Tanca

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.​

Thirty more professionals to boost the Anti-Eviction Unit

14/02/2022 - 14:41

Housing. Two thirds of professionals in the social and mediation sphere will be working on the ground, in the streets and with families, with the rest based at housing offices in each district.

The number of staff at the Anti-Eviction Unit is set to rise from 16 to 43, including a new five-strong legal team. The new staff will complement the team currently working in administration and coordination and will provide unique specialist communication with judicial bodies, a key part in finding out about legal cases in the shortest possible time frame and being able to act as soon as possible.

The rest of the extra staff will see the number of social and mediation workers rise from thirteen to thirty. Twenty of the thirty new professionals will be working on the ground, out in the streets and with families, with the other ten based in housing offices. The city has one housing office in each district. Click here for their contact details.

The tender price for renewing the unit is 5,091,112 euros for a two-year period, with the option of two year-long extensions, up to a total of four years. This represents a notable rise in investment, from 700,000 euros a year to 2.5 million.

More resources and better coordination with all stakeholders

The staffing boost means teams will have more time and resources to become familiar with cases in advance and be able to arrange the best possible response with all the resources available to avoid the loss of a home. At the same time, families will have a single professional go-to service, offering comprehensive support in the whole process. Support for families plays a key part in helping reduce the stress and anxiety that come with eviction processes.

The goal is also greater coordination and collaboration with all parties involved in an eviction process. This applies to communication with social movements and organisations linked to the right to housing, as well as judicial committees and the Mossos d’Esquadra police corps, to gauge the scenario, anticipate responses and formulate action which is less harmful for families.

Over 30,000 evictions halted since 2017

The unit was set up in 2015 given the need for a service to provide specific support for vulnerable families. Today, thanks to the work of the Anti-Eviction Unit and movements of local people, 90% of eviction orders in the city are not executed and 80% are suspended before the specified date of eviction.

Except for 2020, with the general standstill during lockdown, the number of people helped by the unit has remained stable since 2017. In 2021, the service helped 2,267 families, bringing the overall total to 31,000 people, a third of them minors.