Tanca Tanca

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.​

"Les administracions hem de treballar plegades per evitar desnonaments, no per executar-los"

14/09/2016 - 20:44

Desnonaments. Crida de l’alcaldessa de Barcelona per evitar casos com el d’una família d’una mare i tres menors desnonats per no poder fer front al lloguer d’un gran tenidor.

L’alcaldessa de Barcelona, Ada Colau, ha cridat a la coresponsabilitat de les administracions per evitar que es tornin a repetir desnonaments, ni a Barcelona ni enlloc, com el que ha tingut lloc el matí de dimarts, 14 de setembre, al districte de Sants-Montjuïc.

Mira la intervenció completa de l’alcaldesa aquí.

Una mare i tres menors han estat desnonats del pis on vivien després d’haver de deixar de pagar el lloguer per incapacitat econòmica. L’Ajuntament de Barcelona, que tenia coneixement del cas, havia intentat mitjançar amb el propietari de l’habitatge i fins i tot s’havia ofert a assumir el pagament del lloguer per evitar que s’executés cap ordre de desnonament. El propietari, que segons consta al Govern municipal és un gran tenidor de pisos en propietat, “s’havia negat a tota negociació i ha prioritzat els interessos especulatius per sobre del dret a l’habitatge d’una mare amb criatures petites“, tal com ha declarat l’alcaldessa.

La Llei 24/2015 d’emergència habitacional i pobresa energètica, parcialment suspesa pel Tribunal Constitucional (TC), hauria obligat la propietat a oferir a la família una alternativa d’habitatge, sense la qual no hauria pogut sol·licitar el desnonament. Ada Colau ha assenyalat el TC i el Govern de Rajoy, que va recórrer la llei, com a responsables del desnonament d’aquest dimarts, el qual també ha qualificat de paradigmàtic.

“Necessitem aquesta llei per defensar la vida de la gent i les vides més vulnerables”, ha recordat l’alcaldessa, que alhora ha reclamat a la Generalitat i al Parlament de Catalunya que accelerin els tràmits per aprovar la nova llei que ha de substituir els articles suspesos de la Llei 24/2015 i en la qual s’està treballant des que es va conèixer la decisió del Tribunal Constitucional.

En aquest sentit, Colau ha ofert tot el suport de l’Ajuntament de Barcelona per treballar conjuntament amb la Generalitat per no haver d’arribar a l’extrem de l’execució d’un desnonament. És una crida a sumar esforços que inclogui tant la negociació amb el propietari de l’habitatge com la possibilitat d’oferir alternatives d’habitatges a les famílies obligades a deixar casa seva, una tasca que avui recau en l’Administració local. L’alcaldessa, que ha qualificat d'”atemptat contra el sentit comú” enviar quatre unitats d’antiavalots al desnonament de la mare i les tres criatures, ha destacat que els esforços s’han de fer “no per executar l’ordre judicial, sinó per evitar un desnonament que suposa una greu vulneració de drets humans”.

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