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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News

13/06/2024 - 18:15

Barcelona Social Housing Council launches the working group on the stressed market area and the regulation of rental prices

Housing. Every six months, the working group will present reports with data on the development of the stressed market area in the...

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11/06/2024 - 11:33

Barcelona City Council completes a new development of 72 social rented apartments in Marina del Prat Vermell

Housing. The new block, located on Ulldecona Street, will house 72 families who will pay rent according to their income. The building...

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05/06/2024 - 10:09

Do you want to know how you can save water in your own home? We can help you!

Housing. With the current climate emergency and drought, it is important to do everything you can to save water. Here are some tips...

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31/05/2024 - 14:06

IMHAB hands over the keys to 18 social rental flats in the Parc i la Llacuna del Poblenou neighbourhood

Housing. The building, located at 95-97 Ciutat de Granada Street, comprises 18 one- and two-bedroom apartments allocated to...

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28/05/2024 - 15:29

Three families receive keys to flats from Barcelona’s emergency housing programme

Housing. Barcelona Housing Consortium has handed over flats from the Social Rent Fund to families in vulnerable situations.

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27/05/2024 - 11:06

Industrialised housing, one of the priorities of IMHAB to have more public housing, more sustainable and in less time

Housing. The industrialised construction system allows project times to be reduced, is more sustainable and optimises processes...

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How is public housing increasing in Nou Barris?
17/05/2024 - 12:22

The Barcelona Social Housing Council approves the creation of new working groups

Housing. The working groups will focus on the stressed market area, community land management, the new Housing Plan and monitoring...

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10/05/2024 - 14:00

IMHAB’s Intervention Service for the Wellbeing in Communities, awarded in the tenth edition of the AVS Awards

Housing. The Spanish Association of Public Housing and Land Managers has highlighted the innovative nature of this diagnosis and...

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09/05/2024 - 17:27

The Espai Cooperatiu Bloc 4 is currently hosting an exhibition to raise awareness about cohousing

Housing. IMHAB's travelling exhibition showcases the 19 cooperative housing projects in the city, highlighting the concept of...

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Habitatge industrialitzat al carrer del Marroc
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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