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.​

26/09/2023 - 13:34

New block of industrially produced housing in Sant Martí

Housing. The eight-floor building of 45 flats in C/ Marroc has been assembled in four weeks.

Allocation of 41 Social Rental Housing Units in Barcelona Determined by Lottery
20/09/2023 - 11:01

Allocation of 41 Social Rental Housing Units in Barcelona Determined by Lottery

Housing. A lottery has determined the recipients of around forty housing units from the 'Porta Trinitat,' 'Ciutat de Granada 95-97,'...

30/08/2023 - 20:32

Priority boost to housing in the first meeting between the Mayor and the President of Catalonia

City Council. The expansion of the public housing pool shaped the agenda for the meeting, with an initial proposal to build 1,764...

Emergency Board delivers keys to housing units for two families in Barcelona
26/07/2023 - 16:56

Emergency Board delivers keys to housing units for two families in Barcelona

Housing. The Barcelona Housing Consortium delivers housing units from the Social Rental Fund to families in vulnerable situations...

10/07/2023 - 10:00

Taking care of ourselves in the heat

Health. In the summer, particularly during heatwaves, a change in habits will help us keep cool and keep our homes cool.

The Barcelona City Council and GHS visit the new public housing development in Trinitat Nova
07/07/2023 - 20:42

The Barcelona City Council and GHS visit the new public housing development in Trinitat Nova

Housing. Representatives from the Barcelona City Council and the Association of Social Housing Policy Managers of Catalonia (GHS)...

29/06/2023 - 14:49

Barcelona declared a rent pressure zone

Housing. The decree was signed in line with the new state law on housing.

28/06/2023 - 10:50

Raffling off the remaining houses in Bon Pastor

Housing. The procedure for assigning 163 surplus homes in the neighborhood of Bon Pastor reaches its final phase with a lottery that...

Eleven families in Barcelona receive keys to emergency housing
27/06/2023 - 16:52

Eleven families in Barcelona receive keys to emergency housing

Housing. Through the Emergency Board, the Barcelona Housing Consortium monthly assigns apartments to families in vulnerable...

16/06/2023 - 15:11

Do you know how to register with the Barcelona Social Housing Applicants Register?

Housing. In a few steps, we explain how to register and be eligible for officially protected housing in the city of Barcelona.