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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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Barcelona City Council holds the first of two informative meetings on public housing developments in Sant Andreu

Barcelona City Council holds the first of two informative meetings on public housing developments in Sant Andreu

13/01/2023 - 11:56

Housing. At the session, which was attended by elderly people in particular, the details of the Trinitat Vella and Casernes developments were presented. Due to the success of the event, the meeting will be repeated on January 17 (17h) in the same place.

The Barcelona City Council, through the Municipal Institute of Housing and Rehabilitation, held on Tuesday, January 10, an informative meeting in the Sant Andreu district aimed, especially, at senior citizens, where details of public housing developments in Trinitat Vella, within the Porta Trinitat complex, and Building C of Casernes were made known.

The Community Life Center (C. Via Favència, 399) in Sant Andreu was a great success, and the City Council will hold a second meeting on Tuesday, January 17 at 5 p.m., in the same place. This first session was attended by the Councilor for Housing and Rehabilitation of the Barcelona City Council, Lucía Martín; the Councilor for Health, Aging and Cures, Gemma Tarafa; as well as the technical director of the Registry of Applicants and Housing Adjudication, Esther Ródenas.

The latter, precisely, was in charge of explaining the operation of the adjudication process, which citizens can carry out through the Register of Applicants for Subsidized Housing (HPO), an essential service for all those who want to access subsidized housing in Barcelona.  

During the meeting, it was visualized the bet that the Barcelona City Council is developing to increase the public housing stock with services for the elderly. In the past, 1,433 serviced housing units have been offered throughout the city, with the districts of Sant Martí, Ciutat Vella, Nou Barris, and Sant Andreu being the most important.

Special emphasis was placed on the two developments underway in Sant Andreu, which are scheduled to be completed in June 2023 with 291 public rental housing units. Of these, 237 will have specific services for the elderly, reinforcing the City Council’s commitment to this group.

In the case of the Trinitat Vella development, within the Porta Trinitat complex, it will cost 18.3 million euros and will offer 139 public housing units, of which 85 will be for the elderly, while the remaining 54 will be for social rental. The Casernes development will cost 16.3 million euros and will consist of 152 homes, a subway parking lot, and a youth center. In both developments, the homes for the elderly are all one-bedroomed and have common areas and an A energy certificate.

At present, there are six developments under construction in the Sant Andreu district (between Bon Pastor, Sant Andreu, Trinitat Vella, and Sagrera), which, once completed, will offer up to 481 homes, while seven more developments are scheduled to begin construction shortly.

The upward trend in the acquisition of public housing is also evident in the figures for Sant Andreu. From June 2015 to August 2022, a total of 51 homes have been acquired, coming from the sum of 34 homes acquired individually and 17 homes from two entire estates. Of these, the Trinitat Vella neighborhood is the most representative.

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