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.​

Digital talent continues to grow in Barcelona

02/08/2021 - 14:37

The results from the 2021 Digital Talent Overview consolidate the digital sector as the driving force behind job creation in the city. Two out of ten job vacancies in 2020 were digital.

The results from the 2021 Digital Talent Overview consolidate the digital sector as the driving force behind job creation in the city. Two out of ten job vacancies in 2020 were digital.

The study underscores the growth of the digital sector in Catalonia, which now generates 18.9% of all job offers, twice the figure recorded two years ago. By the end of 2020, Catalonia had more than 88,000 digital professionals, 95% of whom were located in the Barcelona region.

The third Digital Talent Overview was promoted by Mobile World Capital Barcelona, the Government of Catalonia, and the Technological Circle of Catalonia within the framework of the Barcelona Digital Talent initiative. This is a public-private partnership that strives to combat the current digital talent divide and promote market competitiveness. The study analyses the evolution of this divide in Europe, Catalonia and Barcelona.

Barcelona, in line with Europe

Europe’s digital sector is accelerating fast. Between 2011 and 2019 Europe saw ICT specialist employment increase by 40%, in contrast to the 6.9% increase in all other sectors. This demonstrates that the recruitment of digital talent is growing six times faster than in other professions.

Barcelona’s ecosystem generated 6,700 new professionals in the sector during 2020, increasing its digital talent by 9%. The pandemic has brought about a slowdown in the attraction of talent from other cities but, even so, these professionals account for almost 30% of Barcelona’s digital talent. The city is thus demonstrating its relevance at home and abroad.

The effort to bridge the gender gap

Barcelona is highlighted in the report as one of the European cities with the highest number of women employed in the digital field. The percentage of female tech workers during 2020 was 29%, a figure that represents a positive trend, with an upturn of 2.5 points compared to 2019. UX/UI design is the speciality with the highest concentration of women, with female employment totalling 48%. Despite the above improvements, the gender gap remains the major challenge in the digital sector. 

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