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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.​

A boy in his house

Measures to defend the right to decent housing

Grants for the renovation of homes and buildings contribute to defending the right of citizens to decent housing. Find out more about the funding available and find out all the news of this year's campaign.

Improving homes to fight against inequalities

The Barcelona City Council is well aware that rehabilitation is a key tool for fighting against inequalities and improving people’s quality of life. It is for this reason that it accompanies those projects which provide an improvement in the quality of both homes and buildings. Barcelona is, in fact, one of the cities of our geographical setting with the greatest public coverage of rehabilitation of the private housing stock.

Rehabilitation of homes has an immense impact on our comfort, health and wellbeing, marks the difference in energy efficiency and improves the quality and safety of the housing stock. In addition, the promotion of rehabilitation benefits the local economy and creates employment, since it requires specialised labour.

The aids to rehabilitation offered by the Barcelona City Council and the Barcelona Housing Consortium promote inhabitability, accessibility and energy efficiency both inside homes and in buildings as a whole. 

If you would like more information, ask for a prior appointment at your Housing Office.

Renovation grants available

Grants for energy renovation

Grants for energy renovation

See the grants available to boost energy efficiency and power generation in the buildings of the city.

Grants for the renovation of buildings

Grants for the renovation of buildings

The City Council of Barcelona offers grants to communities to ensure that buildings are safe, accessible and energetically sustainable.

Grants for interior renovations for people affecte by Covid-19

Grants for interior renovations for people affected by Covid-19

Do you need to change your bathtub for a shower tray? Discover the grants offered by the City Council to renovate home interiors.

Grants for the renovation of high-complexity buildings

Grants for the renovation of high-complexity buildings

Find out about this grant and support programme from the Barcelona City Council.

Outside facade of two newly constructed buildings

Areas with special grants

Here you will find details of the areas and neighbourhoods covered by this specific grant.

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