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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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Informative meeting on public housing developments in Sant Andreu

Informative meeting on public housing developments in Sant Andreu

30/12/2022 - 20:42

Housing. On January 10, the Barcelona City Council will hold a session for residents interested in the Trinitat Vella and Casernes developments, most of which are for elderly people, to explain how the awarding process works.

The Barcelona City Council, through the Municipal Institute of Housing and Rehabilitation, invites all those interested to attend the informative meeting that will take place on January 10, 2023, in the district of Sant Andreu, where two outstanding public housing developments will be the main protagonists. Specifically, the session will serve to learn the details of the Trinitat Vella and Casernes developments, which will complete their works in June 2023 with 291 public rental housing units.

Both developments have in common that they are, for the most part, intended for the elderly. The housing in the Casernes de Sant Andreu will be entirely for the elderly, while more than half of the housing in Porta Trinitat will also be for the elderly. In total, 237 of the 291 homes that will be made available to the public between the two buildings will have services for the elderly.

The meeting, which is open to all citizens and will take place on Tuesday, January 10 at 5 p.m. at the Community Life Center (C. Via Favència, 399), will allow neighbors to learn about these two new developments in the district of Sant Andreu and how to access them. But not only this.

The session will also explain the operation of the allocation process that will be done through the Register of Applicants for Housing with Official Protection (HPO), a fundamental and essential step for all those who want to access subsidized housing in the city of Barcelona. In addition, the session will also provide details of all the housing actions and services that the City Council carries out in the area.

Boosting public housing for the elderly 

In mid-2023, work is scheduled to be completed on the two affordable public housing and rental housing developments in Sant Andreu, which began to take shape in October 2020 and July 2021.

In the case of the 152 dwellings in Building C of the Casernes de Sant Andreu, located at 143 Torras y Bages St., there will also be a subway parking lot and a public facility where the Jaume Oller Youth Space will be located. A building focused entirely on the elderly and which, as far as public housing in this area is concerned, will be continued with the construction of two more buildings, “A” and “J”, which will be destined for social rental and rental for young people, respectively.

Regarding the 139 public housing units in the Porta Trinitat complex, located at Crta de Ribes, 53-65 in the Trinitat Vella neighborhood, 85 of them will be for the elderly, with specific services for this typology, while the remaining 54 will be for social rent and will serve to provide an affordable home for more than 260 people. The building is included in the Porta Trinitat complex, which in addition to housing and community facilities on the first floor, will also offer a facility under construction with various services for the public, such as social services and services for specific groups such as women and young people.

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