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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.

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La façana de la Casa Orsola, a l'encreuament dels carrers del Consell de Cent i Calàbria, plena de pancartes contra el desnonament de les veïnes que hi resideixen
20/05/2025 - 20:23

Purchase of the Casa Orsola formalised to use it for affordable housing

Housing. The Fundació Hàbitat3 will manage the property with social criteria.

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16/05/2025 - 14:31

IMHAB will share in Construmat its philosophy in the construction of public housing

Habitatge. It will have its own stand where projects completed with virtual reality glasses will be taught and the commitment to the...

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15/05/2025 - 18:09

The draw to assign the 238 homes of Illa Glòries has been held

Housing. The numbers have been extracted to order each of the quotas of the three calls: affordable rent, social rent and surface...

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Habitatges illa Glòries
13/05/2025 - 12:32

Everything you need to know about the Illa Glòries housing draw: broadcast and frequently asked questions

Habitatge. We answer the main doubts regarding the draw to award the flats, which will take place this Thursday, May 15 at 12 noon.

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12/05/2025 - 12:01

The FHAR closes its fourth edition consolidating itself as a meeting point for the housing sector

Housing. During the last day of the Forum, experts from different communities and countries have been able to explain their...

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Façana d'un edifici amb gent mirant per la finestra.
09/05/2025 - 14:44

New building purchased in the Sagrada Família neighbourhood using the right of first refusal

Housing. The overall cost of the operation was 4,839,500 euros.

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09/05/2025 - 13:10

Sustainability and decarbonisation focus the debate on the second day of the FHAR

Housing. Participants have been able to visit different housing projects in the city and know the new publication ‘Quaderns d...

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09/05/2025 - 12:30

Sustainable building award for the public housing development in Carrer Veneçuela

Housing. The social housing block in C/ Veneçuela gets a sustainable building award.

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Illa Glòries
09/05/2025 - 08:00

El sorteig dels 238 habitatges públics de l’Illa Glòries es farà el 15 de maig

Habitatge. Un total d’11.243 unitats de convivència inscrites al Registre de Sol·licitants d’Habitatge amb Protecció Oficial de...

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08/05/2025 - 13:05

The FHAR starts the fourth edition with an X-ray of the affordable housing sector in Barcelona

Housing. The lack of state investment since 2013, inequality in access to housing and rehabilitation of the public park have focused...

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