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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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News

21/05/2025 - 12:54

IMHAB presents at Construmat the solutions of innovation and sustainability in the construction of public housing

Habitatge. Barcelona City Council reaffirms its commitment to public housing that goes beyond economic accessibility, betting on...

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Construmat-stand-2
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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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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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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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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Ponència FHAR.
02/05/2025 - 13:34

What future does the right and access to housing expect? The FHAR 2025 brings together experts to analyze the new challenges. 

. The increase in the public and affordable offer, the rehabilitation of the housing stock and the regulation of the market will...

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07/05/2024 - 10:04

IMHAB’s commitment to sustainability, efficiency and industrialised construction at Construmat trade fair

Housing. Construmat expands its exhibition area and expects more than 22,500 visitors in an edition characterised by innovation and...

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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...

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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...

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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...

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