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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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New protocol to combat LGBTI-phobia

New protocol to combat LGBTI-phobia

16/05/2020 - 15:56

LGBTI. The Office for Non-Discrimination, the LGBTI Centre and the Observatory Against Homophobia are coordinating a new action protocol.

A new protocol was presented to coincide with the International Day Against LGBTI-phobia, designed to address cases discrimination or violence against LGBTI people on the grounds of sexual orientation, gender identity or gender expression.

The new protocol strengthens the tools to combat LGBTI-phobia in the city, furthering collaboration between the different services and entities linked to the defence of LGBTI people. The document sets out mechanisms for care, support, analysis and advice so that individuals who suffer LGBTI-phobic discrimination and aggression in Barcelona can overcome them, repairing any personal, work-related, family or social harm suffered.

The protocol is the result of networking between the Office for Non-Discrimination (OND), the Barcelona LGBTI Centre and the Observatory Against Homophobia (OCH), the three entities which will initially make up the coordinating board for monitoring cases of LGBTI-phobia and inviting other active organisations to take part, help detect cases and provide care and support for LGBTI people. The coordinating board will help make all mechanisms accessible to people who suffer LGBTI-phobia, facilitating denouncements (criminal or administrative) and access to other psycho-social tools, support, education and intermediation.

If any of the municipal services or organisations detects or knows of a case of aggression, the following procedure should be followed:

  • Of the case represents a high-risk or urgent situation, the relevant urgent resources will be activated, particularly relating to healthcare. The intervention of security services may also be required, such as the City Police and the Mossos d’Esquadra (Catalan police), and social services, such as the Barcelona Social Emergencies Centre (CUESB).
  • In all cases, and in keeping with the wishes of the affected person at all times, specific care will be provided to help assess which protocol resources need to be activated in each particular situation.

What is the Office for Non-Discrimination (OND)?

The OND is the main municipal service for handling cases of discrimination, including LGBTI-phobia, and functions in collaboration with services and civil service organisations which are involved. It offers legal advice, socio-educational support and, when necessary, mediation. In 2019 the OND opened a total of 228 cases relating to discrimination, of which 22% were related to LGBTI-phobia.

What is the LGBTI Centre?

The Barcelona LGBTI Centre is a pioneering facility in the promotion of sexual and gender diversity. Besides its cultural programme and association-based activities, it provides services offering information, care and primary shelter for individuals, groups and families, as well as psychological guidance and general legal advice on any topic relating to the promotion of sexual and gender diversity.

 

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