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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

Façana d'un edifici d'allotjaments dotacionals
19/02/2025 - 17:37

First step to regulate prices for housing with services and student residences

Housing. The by-law has been initially approved by the Commission for Ecology, Urban Planning, Mobility and Housing.

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18/02/2025 - 10:21

The City Council is increasing the subsidy for improving the energy efficiency of homes

Housing. In the new call for applications, the amount of the grant for replacing windows, improving insulation or changing air...

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13/02/2025 - 16:45

La Marina del Prat Vermell will have 424 social housing units and new municipal facilities

Housing. The final approval by the City Council of the Sector 6 re-parcelling project will increase the city’s public housing stock...

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Cal Cisó (la Marina del Prat Vermell)
10/02/2025 - 12:09

A new information session has been called for the tender to build 350 subsidized housing

Housing. At the meeting, technical and legal representatives from IMHAB will explain the details of the tender, while members of the...

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Façana de la Casa Orsola, al districte de l'Eixample
07/02/2025 - 12:00

The City Council and Hàbitat 3 acquire the Casa Orsola

Housing. The City Council will acquire 49% of the building, with the Fundació Hàbitat3 to acquire 51%.

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30/01/2025 - 15:53

Barcelona City Council hands over the keys to three flats of the Emergency Board

Housing. Municipal Institute of Housing and Renovation of Barcelona has delivered new homes from the Social Rental Fund, intended for...

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Construcció d'habitatges a Sant Martí
24/01/2025 - 09:34

Barcelona City Council presents the requirements for the open competition to build three affordable rental developments

Housing. Companies interested in the project were able to obtain information and clear up doubts about the terms of the open...

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Construcció d'habitatges
16/01/2025 - 13:16

IMHAB calls for information session on tender to build 350 affordable rental homes

Housing. Interested companies will be able to find out the details of the open competition for the promotion, construction and...

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Illa Glòries
14/01/2025 - 09:23

How do I access the new public housing development in Glòries?

Housing. The deadline to participate in the draw for the 201 apartments in the new public building is 17 January for all those who...

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13/01/2025 - 19:30

Forty flats with social rents handed over in the neighbourhood of La Verneda i la Pau

Housing. The flats are part of a block in C/ Lola Iturbe.

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