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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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All the details of the WikiHousing project for social housing, at a conference on innovation in construction

All the details of the WikiHousing project for social housing, at a conference on innovation in construction

18/11/2024 - 12:41

Housing. This is a pioneering collaborative project in the city, supported by the City Council. The presentation will take place this Wednesday, 20 November at 10.30 a.m. at Ca l’Alier.

The Barcelona City Council, through the Municipal Institute of Housing and Renovation (IMHAB), has signed a collaboration agreement with the promoters of the WikiHousing project to build a social rental housing estate for young people in Poble-sec. To publicise the project and explain the details that make it innovative, a presentation will be held on Wednesday 20 November as part of the Conference of Innovation in Social Housing.

The City Council has awarded the plot at 38 Passeig de la Exposició to the joint venture formed by Stradle3 Constructors, Societat Orgànica +10 and IDRA Barcelona Institute, where a building with four flats of around 50 m² and a large community room will be constructed. Work will begin in early 2025 and the City Council will finance 46% of the cost.

The event will take place at Ca l’Alier (362 Pere IV Street), starting at 10.30 a.m. and will be attended by David Juárez and Luca Volpi, members of the joint venture. This will be followed by a round table on industrialised construction, which will discuss the challenges, opportunities and prospects of this type of construction, as well as what it has meant for the growth of social housing in Barcelona. The architects of the industrialised developments and professionals from the sector will participate:

  • Straddle3 Constructors SL, from the WikiHousing project.
  • Vivas Arquitectos, responsible for Casernes J and Marroc, 180 developments.
  • Coma Arquitectura, architects of the Binèfar development.
  • Cierto Studio, architects of Block A of ‘Illa Glòries’.

In order to participate, it is necessary to fill in this registration form.

A project of co-creation, innovation, experimentation, sustainability and uniqueness

The WikiHousing project was launched in 2021 after being selected by the BIT Habitat Foundation’s call for proposals ‘The proactive city’. More than 100 young people participated in the co-design and self-construction process, which allowed a complete prototype to be built on the same site. This experimental prototype will now be dismantled, expanded and reassembled into a real building that will be part of Barcelona’s public housing stock.

The block will be built with prefabricated lightweight wooden modules that will be assembled on site, a system that allows for a more ecological and faster process, reducing the time needed by more than 50% compared to traditional projects.

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