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.​

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Housing in the city of the future

The challenges of future housing were analysed at the Smart City Expo World Congress. As part of the event, Barcelona City Council organised a programme of activities, speeches, discussions and debates on housing.

On the one hand, a meeting was held for the members of the big European cities network, Eurocities, to discuss and debate rent-stabilisation measures and the municipal-level policies that could be taken to ensure the right to housing. On the other hand, a chat was organised on the Barcelona Metropolitan Housing Observatory where the goals and challenges of the City Council’s new project were explained.

Sessions

Measures for rent-stabilisation in the cities

Josep Maria Montaner, councillor for Housing at Barcelona City Council

Rhona Brown, Private Rented Sector Manager at the Greater London Authority

Bernhard von Grünberg, Bonn City Council

  • Housing policies in Lisboa

Rui Neves, councillor for Housing and Local Development at Lisbon City Council

Changes in the outlook of housing governance: municipal responses

Laia Ortiz, Deputy Mayor at Barcelona City Council

Ian Brossat, Deputy Mayor at Paris City Council

Kees Dignum, Housing Research and Development Coordinator, Amsterdam

Susanne Bauer, Chair of the Eurocities Housing Work Group

  • Guaranteeing the right to housing

Javier Burón, General Manager for Housing at Barcelona City Council

The Barcelona Metropolitan Housing Observatory

Anna Vergés, Technical Director of the Barcelona Metropolitan Housing Observatory

Experts' opinion

Responses to the challenges of housing in Barcelona

Javier Burón

General Manager for Housing at Barcelona City Council

Challenges for the right to housing in Europe

Susanne Bauer

Chair of the Eurocities Housing Work Group

Rent regulation in París

Ian Brossat

Deputy Mayor at Paris City Council

The role of housing associations in Amsterdam

Kees Dignum

Coordinator of Investigation and Housing Development, Amsterdam City Council.

Public-private collaboration in Lisbon

Rui Neves Bochmann Franco

Councilor of the Department of Housing and Local Development of Lisbon

Measures for rental control in Dublin

Dáithi Downey

Head of Housing Policy, Research and Development, Dublin City Council

The Barcelona Metropolitan Housing Observatory

Anna Vergés

Technical director of the Observatory