Tanca Tanca

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.​

11/12/2024 - 13:12

The City Council is launching an open competition to build three developments with 350 affordable rental homes

Housing. Faced with the housing emergency in Barcelona, the City Council is committed to increasing the construction of protected...

11/12/2024 - 09:46

The Social Housing Council aligns with the right to housing through the Pla Viure

Housing. The City Council has presented its commitment to increasing the stock of affordable and social housing, renovating and...

Vista aèria dels terrats de Ciutat Vella i la basílica de Santa Maria del Mar. Al fons, Montjuïc. Autor: Martí Petit
05/12/2024 - 13:09

Amendment to the PGM to regulate temporary rentals

Housing. The amendment will provide the City Council with its first urban planning tool to regulate it.

04/12/2024 - 13:04

The study commission on housing issues analyses the effects of rent regulation in Barcelona

Housing. At the second meeting, Barcelona City Council presented a report on the fall in the price of new rentals, the increase in...

26/11/2024 - 15:26

The City Council hands over the keys to the flats of the Emergency Board to eight families in Barcelona

Housing. The Municipal Institute of Housing and Renovation of Barcelona has handed over apartments from the Social Rental Fund to...

Housing promotion at C/ Binèfar, 22
26/11/2024 - 14:47

Commission constituted to study the issue of housing

Housing. The goal is to assess the current situation and boost the public stock of protected housing, and to fight the housing...

The Mayor of Barcelona, Jaume Collboni, and the Minister for Presidency, Albert Dalmau, before entering the meeting by the Joint Commission
22/11/2024 - 14:40

Agreements by the Joint Commission with the Government of Catalonia to improve access to housing

City Council. Agreements were also reached on mobility rights, tax and security and justice.

21/11/2024 - 14:09

Participatory process under way for the new Housing Plan

Housing. The initiatives implemented in recent years will be assessed and proposals made for guiding municipal police over the next...

21/11/2024 - 09:37

Barcelona embraces innovation in public housing with the WikiHousing project for affordable rentals for young people

Housing. This is a pioneering collaborative project in the city, supported by the Council, to promote social housing for young people...

20/11/2024 - 12:23

The Pla Viure advances with an internal technical meeting

Housing. Barcelona City Council’s Housing and Renovation staff have participated in a conference on the new strategic plan, offering...