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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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Fourteen families receive the keys to homes from the Emergency Board

Fourteen families receive the keys to homes from the Emergency Board

01/08/2022 - 12:47

Housing. The Barcelona Housing Consortium delivers houses from the Social Rental Fund to families in vulnerable situations, every month.

Fourteen families at risk of losing their homes have received the house’s keys by the Emergency Board, where they will live from now on. Every month, the Barcelona Housing Consortium awards new homes to people in social and economic emergency situations. On 26th July, the alderwoman for Housing and Rehabilitation of the Barcelona City Council, Lucía Martín, welcomed the fourteen families and handed them the keys to their new homes.

The first step for families who are in these situations of social and economic emergency, is to go to the nearest Barcelona Housing Office to assasse every case and to drawn up a report. The Emergency Board is in charge of studying the files that have been issued from the Barcelona Housing Office and to allocating the homes of the Social Rental Fund. You can check the allocations in this link.

In case of there are not enough flats available to assit to the positive valued reports by the Emergency Board, homes from the ‘Empty Flats’ program will be awarded as they are incorporated into the Social Rental Fund until the Board is held the next month. You can find all the information and regulations of the Emergency Board on the Barcelona Housing Consortium’s website.

The houses of the Social Rental Fund are intended for cohabitation units at risk of residential exclusion, such as being in a eviction process due to rental debt, foreclosure or dation in payment due to mortgage payments debt, in a situation of losing housing due to violence against women. Or if there are minors, elderly people or people in circumstances of helplessness, in precarious hygienic and sanitary or safety conditions living in the home.

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