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.​

12/06/2023 - 08:23

Barcelona bids farewell to ISHF as an international reference in housing

Housing. For three days, the Catalan capital has been a meeting point for proposals, reflections, and diverse initiatives related to...

08/06/2023 - 19:09

The defense of the right to housing, the focus of the second day of the ISHF

Housing. The state of social housing in Southern European countries, public-private partnerships, and housing renovation were the...

07/06/2023 - 20:19

Barcelona inaugurates the International Social Housing Festival with public policies at the center of the debate

Housing. Over 2,000 registered participants are taking part in the ISHF, which takes place from June 7th to 9th, with the presence of...

52343053233_f82316cb8c_k
02/06/2023 - 10:03

The International Social Housing Festival 2023 lands in Barcelona from June 7 to 9

Housing. The most important international congress on social housing in Europe will bring together around 2,000 attendees and hold...

IMG_5718
29/11/2022 - 22:58

FHAR concludes with building renovation and housing policies at the center of the debate

Housing. The second and last day of the Barcelona Housing and Rehabilitation Forum focused on the renovation of buildings and the...

IMG_5688
28/11/2022 - 23:06

Barcelona's role in sustainable construction and the right to housing mark the first day of FHAR

Housing. The start of the Barcelona Housing and Rehabilitation Forum was marked by quality analysis by renowned speakers in the field...

221010_FHAR_Banner_Principal_Noticia_ENG
25/11/2022 - 16:34

Everything you need to know about the FHAR 2022

Housing. This Monday, November 28 and Tuesday, November 29, the Palo Alto Barcelona venue will host prominent speakers from the...

221010_FHAR_Banner_Principal_Noticia_ENG
03/11/2022 - 11:12

The Barcelona Housing and Renovation Forum is now open for registration

Housing. International experts in the sector, headed by such a prestigious figure as Christopher Hutin, will focus on industrialized...

FHAR_Dia 1_2021
11/10/2022 - 14:46

A new edition of the Barcelona Housing and Renovation Forum returns

Housing. On November 28 and 29, experts from the sector will share a double day with issues such as the housing emergency,...

photo_5805282848058489261_y
02/09/2022 - 23:28

The new challenges of tourism and sustainable housing star in the final debate of European academics in Barcelona meeting

Housing. On the last day of the ENHR international conference, the facing challenges for European cities, such as tourism and...