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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.​

Cristóbal de Moura, closer to becoming a greener and calmer street

09/05/2018 - 17:48

Urban planning. Work is under way to transform C/ Cristóbal de Moura into a greener street, prioritising pedestrians and improving quality of life for local residents in Sant Martí.

The project to remodel C/ Cristóbal de Moura begins with the section between C/ Fluvià and C/ Provençals, the idea being to transform the street into a greener and calmer link between the Parc del Centre del Poblenou and the Parc del Besòs, prioritising local residents and pedestrians. Work should take fourteen months and represents an investment of nearly 7 million euros.

The new layout for C/ Cristóbal de Moura means remodelling this street in the 22@ area, turning it into a healthier green strip with less traffic and more space for use by local residents. The central strip, 26 metres wide and with vegetation and trees, will be joined by pavements 3.5 metres wide in line with building façades, as well as a bike lane and a service lane. The first stage of the remodelling project coincides with the latest renovation work at the former Ca l’Alier factory, located in the same block between C/ Cristóbal de Moura and C/ Pere IV.

Participatory project

The next stages to transform the street take into account the needs of local residents, entities and associations in the neighbourhoods of Provençals del Poblenou and El Besòs i el Maresme. These groups will be able to channel their proposals through the participation board, the idea being for the definitive project to adapt to the characteristics of the area while maintaining the urban greenery specified in the initial project.

Promoting heritage and calming measures in Sant Martí

The greening up of C/ Cristóbal de Moura helps towards the strategy of binding together neighbourhoods with green thoroughfares, recreating healthy and functional spaces for local residents and regaining facilities for public use. Besides starting street calming work in C/ Pere IV, set out in the Besòs Neighbourhood Plan, rebuilding work has been carried out to turn the former Ca l’Alier factory into an innovation centre for emerging companies and SMEs. In addition, the former La Escocesa factory is being acquired and the Casa de les Vàlvules renovated, while other improvements are being made to Can Ricart, Can Felipa and Can Picó, facilties which form part of the historical and industrial heritage of the Poblenou neighbourhood and which have a second life as spaces for public use.

 

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