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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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Sign up for open houses at new public housing units in Maresme-Puigcerdà and Torre Baró

Sign up for open houses at new public housing units in Maresme-Puigcerdà and Torre Baró

14/03/2023 - 16:23

Housing. Sign up and visit, on March 24 and 25, two models of newly built public housing, corresponding to two different developments located in the districts of Sant Martí and Nou Barris, can be visited inside.

The Barcelona City Council offers the possibility of getting to know first hand two new public housing developments of new construction, located in the districts of Sant Martí and Nou Barris. It will be in a double open day focused on all citizens who are interested, a few days before the new neighbors receive the keys to the apartments, after having made the respective processes of adjudication through the Barcelona Social Housing Applicants Register.

A total of 122 public housing units, some of them for the elderly, which are part of the expansion of the public and affordable housing stock that is being developed throughout the city. The visit to either of the two developments is free, but requires prior registration, and will allow access to the interior of the homes. In all cases it will be done with closed groups and will last approximately 30 minutes.

 

Maresme-Puigcerdà Promotion

Located at C. Puigcerdà, 100, the visits will start on Friday, March 24 from 16:30 to 18:30 hours and will continue on Saturday, March 25 from 10:00 to 18:30 hours.

YOU CAN REGISTER HERE

Escolapi Càncer Illa F Promotion

Located at Av. Escolapi Càncer, 10-12, the visits will start on Friday, March 24 from 16:30 to 18:30 hours and will continue on Saturday, March 25 from 10:00 to 18:30 hours.

YOU CAN REGISTER HERE

 

This is an opportunity for the residents of Barcelona to discover, up close, some of the homes that are coming to light in the city, and that in a matter of a few days will begin to receive their awardees, once they receive the keys to the apartment.

In the case of the Maresme-Puigcerdà development, it is made up of two buildings: one of subsidized housing with services for the elderly, with 48 apartments, and one with surface rights with 27 apartments, commercial premises and parking from Maresme Street. A building that is part of the development plan of public and affordable housing in Sant Martí, undoubtedly one of the most expanding districts of the city. Not in vain, since 2015 the park is growing by approximately 2,000 apartments, with an investment of around 244 million euros.

Regarding the development located in Torre Baró (Nou Barris), the building consists of 47 public rental housing units and 21 parking spaces and is part of a group of public housing developments in the Torre Baró neighborhood. An iconic neighborhood of the city marked by the symbiosis between the nature of the Collserola Park and the city of Barcelona.

More info