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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.

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.​

32,000 square metres of greenery from Poblenou to the Besòs

20/11/2017 - 13:21

Urban planning. The entire length of C/ Cristóbal de Moura will become a linear landscaped garden, connecting the Parc del Centre del Poblenou with the Parc del Besòs.

Carrer Cristóbal de Moura is to be transformed with extra vegetation and traffic calming measures. The amount of public space given over to use by vehicles and pedestrians will be reversed, transforming this 1.27 km long street between the Parc del Centre del Poblenou and Rambla del Prim. The project means 32,000 square metres of new greenery for the Sant Martí district.

The transformation of C/ Cristóbal de Moura is another step towards making Barcelona a healthier city, this time in the 22@ area, where a participatory process is under way among local residents to decide on its future. The model to be used as a starting point for this area of the city revolves around economic activity, public housing and healthy green surroundings offering quality and continuity. Examples of this can be found in the transformation of C/ Pere IV, the purchase of La Escocesa and the renovation of the old Ca l’Alier factory.

A street-garden

The future C/ Cristóbal de Moura will maintain its 3.5 metre wide pavements and two lanes of traffic, where calmed traffic, services and bicycles will coexist. Along the middle there will be a green space over 26 metres wide, acting as a linear garden with up to 32,000 square metres of space linking the Parc del Centre del Poblenou and the Rambla del Prim, right by another major green space in the area, the Parc del Besòs de Sant Adrià.

The first section to be transformed, already approved by the municipal government, will be the stretch between C/ Fluvià and C/ Provençals, around the Ca l’Alier factory. Work gets under way in January 2018 and will last 14 months. This section alone will create 3,500 square metres of green spaces, although the work will cover 17,000 square metres in all, tying in with the renovation work at the old factory to turn it into an innovation centre for technology SMEs. The Ca l’Alier centre will become a reality when the work starts in C/ Cristóbal de Moura, with urbanisation work being done at the same time in the green areas around the same block where the future business facility is located.

The initial work has already been budgeted for and implies an investment of 7 million euros.

Participation

The social fabric of the neighbourhoods which C/ Cristóbal de Moura runs through, Provençals del Poblenou and El Besòs, as well as the district of Sant Martí, will all help configue the rest of the transformation. The idea is to set up a working group with local representatives and organisations to plan approaches and uses along the first sections between C/ Fluvià and C/ Provençals, as well as the rest of the street as far as Rambla del Prim.

 

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