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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.​

Everything you need to know about the FHAR 2021

15/11/2021 - 10:56

Housing. Below we introduce the main speakers and the themes to be discussed at this year’s edition.

The right to housing and the new emerging challenges will be the themes of debate and reflection at the Barcelona Housing and Rehabilitation Forum to be held on 23 and 24 November in the Sant Pau Modernist Complex.

Just a few days before the opening of the second edition, below we explain who are the main speakers and a breakdown of the themes to be discussed.

On 23 November the sessions will revolve around the formulas for increasing the public rental housing stock. International experts like the Director of LSE Cities, Ricky Burdett; the councillor for the Kreuzberg district of Berlin, Florian Schmidt; the deputy mayor of Paris, Ian Brossat; or the member of the Executive Council of the International Union of Tenants, Barbara Steenbergen, will share the best experiences or initiatives carried out at the European level to confront the impacts and challenges of the pandemic relating to urban planning and housing policies. In addition to listening to the reflections from the viewpoints of Berlin, Paris and Europe in general, we will also study the case of Barcelona through the participations of the city’s Councillor for Housing and Rehabilitation, Lucía Martín.

We will also be able to hear the reflections of the head of Housing, Research and Development Policies of the Dublin City Council and Director of the Dublin Housing Observatory, Daíthí Downey, who will speak about transparency and the use of public data at a moment when Big Data is revolutionising society. This will take place in a round table event with the President of the Barcelona Metropolitan Housing Observatory and Hàbitat 3, Carme Trilla, and the Head of Innovation of the Observatory of Euskadi, Elena Sánchez.

Another theme for debate on the 23rd will be innovation in public promotion of housing. We will learn about the best practical cases of innovative projects in public housing matters and analyse what experiences could be applied in other cities. We will examine the cases of Vienna, the Balearic Islands, Seville and Barcelona by way of the presentations of the former Councillor for Urban Planning and Housing of Vienna, Maria Vassilakou, the General Director of the Balearic Housing Institute, Cristina Ballester, the Director of the Municipal Housing Corporation of Seville, Felipe Castro, and the General Manager of the IMHAB, Gerard Capó.

We will close the discussions of the 23rd with a look at the industrialised promotion of public housing, where we will share the latest projects and studies associated with this new model. This round table will include the participation of the Head of Innovació–Culmia, Anna Guanter.

Commitment to promotion between the public and private sectors

On the 24th, the FHAR will revolve around new models of collaboration to increase affordable housing. On the one hand, the sessions will centre on the European models. We will analyse the actions and successes proposed by the Housing 2030 initiative in the context of the post-pandemic era, presented by its principal author, Julie Lawson, and we will reflect on the collaboration on a European scale with the Communities Manager at London CLT, Hannah Emery-Wright, and the Deputy Mayor of the Bologna City Council, Emily Clancy.

We will then focus on public-private collaboration. We will learn about Housing Metropolis Barcelona, whose mission is to promote and manage affordable rental homes in both the city and its metropolitan area by means of the incorporation of a private partner. We will also see what are the best initiatives for integrating the public and private models and increasing efficiency. All of these themes will be discussed with the Doctor in Anthropology, researcher at La Hidra Cooperativa and member of the Barcelona Tenants’ Union, Jaime Palomera; the CEO of Savills Aguirre Newman, Anna Gener; the Managing Director of Neinor Homes, Borja García-Egotxeaga; and the Manager of Housing and Renovation – Barcelona City Council, Javier Burón.

This second edition of the FHAR will also place special emphasis on public-community collaboration in Barcelona. The Cabinet Head of the Housing and Rehabilitation Department, Vanesa Valiño, will present the alliance which the City Council has set in motion with the most representative entities of the housing cooperative to create a thousand apartments in the coming years. And along with the member of La Hidra Cooperativa, Laia Forné, and the President of the Salas Foundation and representative of Cohabitat, Manuel Rodríguez, they will discuss the management models of social and cooperative housing to guarantee access to decent housing for young people, the elderly and people with disabilities.

The FHAR is organised by the Barcelona Municipal Housing and Rehabilitation Institute and takes place within the series of meetings and conferences promoted since 2016 to reflect on the future challenges of the sector. You will find full information on the website, where you can also register for each of the sessions and follow the conferences on streaming.

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