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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.​

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Eleven families receive the keys to the Emergency Board flats

Eleven families receive the keys to the Emergency Board flats

29/03/2022 - 16:32

Housing. Every month the Housing Consortium assigns housing from the Social Rent Fund to vulnerable families

Eleven vulnerable families in Barcelona have received the keys to the Emergency Board flats where they will now live. The Mayoress of Barcelona, Ada Colau, and the councillor for Housing of Barcelona City Council, Lucía Martín, welcomed them and handed over the keys to their new homes. Martín has highlighted that “today is a very happy day, for you and for us, because we are very concerned to know there are people waiting”.

The Emergency Board aims to guarantee the right to decent housing for those who are vulnerable and at risk of social exclusion. That is why today’s event is a key moment, as by guaranteeing the right to housing it is providing more than just somewhere to live. “A home is more than just a roof and four walls, it is also somewhere you can breathe, be at peace and deal with the other aspects of your life”, reminded Colau.

The councillor for Housing, Lucía Martín, spoke about the importance of continuing to work to increase the number of available properties for vulnerable people and to reduce the waiting list of people who need emergency housing. “Over the last few years, we have made a very great effort. Consider that in the last five years we have bought 1,200 flats to make them available to people who need a home like yourselves. That is an investment of 130 million euros”, commented Martín. She also explained that a lot of public housing is being built that will also be used to respond to the needs of people waiting for a home from the Emergency Board.

How to apply for an Emergency Board property

The Emergency Board is a mechanism of the Housing Consortium to guarantee the right to housing of vulnerable people. To access it, the first step is to go to a Housing Office which will study the case and draft a report that must be assessed by the Emergency Board.

To be a candidate for rehousing, it is necessary to be in an economic and social emergency, to be in a process of eviction due to rent payment debts, foreclosure or surrender of the property as payment for a mortgage debt, in a situation of residential exclusion due to domestic violence or in the property in question there are minors, elderly people or those living in a situation of neglect, in precarious hygienic, sanitary and safety conditions.

The Board assesses the files issued by the Barcelona Housing Offices and assigns the available housing every month. The assignments can be consulted here.

If there are more positively assessed files than flats available, housing from the “Empty Flats” programme will be assigned as they are incorporated into the Social Rental Housing Fund until the Board meeting for the following month is held.

You may consult all the information and the regulations of the Emergency Board on the Housing Consortium website.

More info