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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.

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Two years in office and 85% of the government action plan is under way

Two years in office and 85% of the government action plan is under way

21/05/2025 - 13:16

Assesment of time in office. The municipal government makes a positive assessment of the first half of this term of office with 29% of actions from the action plan completed and 56% under way.

Some 29% of the actions planned for this term of office have been implemented, with a further 56% in progress. The municipal government makes a positive assessment of the first half of the current term of office, with a task centring on four strategic areas: Pla Endreça, Pla Viure, Pla de Barris and Pla Clima.

The new website barcelona.cat/acciodegovern has been set up for people to find out about and track the work of Jaume Collboni’s government. The site offers information on the transformations in progress to build the Barcelona of 2035, a city which is safer, healthier, more liveable and more prosperous. Projects include the new Rambla, Via Laietana, Port Olímpic, Ronda de Dalt, Glòries, Av. Meridiana and Montjuïc.

Strategic plans

Halfway into this term of office the most important data from the four strategic work plans are:

  • Pla Endreça.1,300 actions in urban space in progress in 2025. Nearly 120,000 works of graffiti removed in 2024, with 4,500 people working on cleaning.
  • Pla Viure. Neary 1,500 keys handed over for flats with affordable rents, plus 5,000 protected homes being created. Tourist lets also to be eliminated by 2028.
  • Pla de barris. Budget of 200 million euros for work in 27 neighbourhoods, benefitting a population of 438,000 people.
  • Pla Clima. Climate control for 170 schools thanks to the tourist tax. 22 hectares of new urban greenery created. This summer will see 70 new shade structures added to combat the heat.

Key improvements

  • Security: reduction of 8.7% in crime in the first quarter of 2025.
  • Cleaning: increase of 40% in surface space cleaned in the city.
  • Housing: drop of 6.4% in the price of new rental contracts in the last year thanks to the application of price limits.
  • Economy: GDP tops 100,000 million euros for the first time.
  • Mobility: 23 kilometres of new bike lanes.
  • Social support: Barcelona is the leading city in the Spanish state for social investment per inhabitant, at 239 euros. Work has also been speeded up on the construction of 17 new primary healthcare centres.

 

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