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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.​

Three innovative sustainable systems to be applied in housing regeneration

04/12/2022 - 10:09

Innovation. These are the three winning systems in the challenge launched jointly by the Municipal Institute of Urban Planning and the Manager’s Office for Urban Planning with BIT Habitat.

The three winning systems in the urban challenge launched in search of solutions for regenerating housing blocks are to be implemented and, from March 2023 on, tested in real environments for one year. The aim is to have these tools available for speeding up renovations and expansions of the city’s buildings.

Teams had to develop several solutions that can be incorporated into buildings, depending on the needs for reducing energy consumption or improving comfort and accessibility.

The requirement was for low-emission building methods to be used and with limited costs, to enable the regeneration of a sufficient number of homes over the coming decade, to meet decarbonisation pledges. The following implementations, more specifically, were called for:

  • a building-volume expansion system for enabling the creation of community spaces and incorporation of new lifts and staircases
  • a façade and roof-improvement system
  • a water storage and green rooftop system for capturing and using rainwater
  • a photovoltaic system with solar panels
  • a means of automating systems and ensuring comfort and environmental improvements

Three winning projects

Of the eight proposals presented, prepared by a total of 29 organisations, including architecture studios, academic institutions, building companies and innovation and research institutes, three were selected.

The proposal with the highest score is known as Aligra and was presented by a team made up of Straddle 3, Societat Orgànica, Aiguasol, Tall-Fusta and Tejido. It is based on a wooden structure with multilayer walls and improvements to the performance of existing buildings, such as poor insulation, scarcity of communal space or very small flats. This is a proposal based on economy of means, modularity, lightness, ease of assembly, ecological materials and flexibility.

The second proposal selected, called Regenerar Barcelona, was presented by the Universitat Politècnica de Catalunya and Constraula. It is a self-supporting wooden structure where various interior, semi-exterior and exterior spaces are openly and adaptably established, while also incorporating all the systems required in the call.

The third solution selected, called InnoFAB, was presented by a team made up of Pich Aguilera Arquitectes, Pich Architects i Pich Innovation, Metalperfil and Verdtical Urban Biotechnology, with a proposal consisting of a metal structure and light, multi-layer industrialised wall and finishing systems that respond to the various and goals set out.

Innovation applied to the city

The three prototypes will now be manufactured and are expected to be assembled by March 2023 for a year’s testing in existing buildings. They will have technical support, advice and support, as well as visibility and communication mechanisms.

The challenge was raised by the BIT Habitat Foundation, with the Municipal Institute for Urban Planning and the Manager’s Office for Urban Planning, and is enshrined in the Urban Regeneration Programme, taking a step forwards to find comprehensive solutions for promoting renovations through sustainable and innovative building systems.

The call provides financial support for the best projects, with funding corresponding to 80% of costs with a minimum of 100,000 euros and a maximum of 150,000 euros.