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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.

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New agreement proposed with Airbnb to control licences for tourist lets

New agreement proposed with Airbnb to control licences for tourist lets

08/07/2025 - 12:42

Tourism. The deal sets out comprehensive monthly sharing of data to fight fraud.

The new deal would oblige the platform to accurately control the legality of the accommodation they offer and would allow the City Council to access the data for adverts published by Airbnb. It also sets out strict measures to check the identity of those advertising, the ownership of the properties and the authenticity of the information provided.

Data would be shared monthly and Airbnb would provide Barcelona City Council with the information required by the state regulation while the data are not yet accessible via the digital one-stop-shop on rentals (FUDA).

Those advertising would have to accredit the ownership of the property, or in the case of tenants and mangers, have the corresponding authorisation from the registered owner. Similarly, for rental adverts published within the last 32 days, it would be obligatory to introduce the HUT licence numbers, which from this month will be replaced by the unique number issued by the corresponding owner register. The platform would block the use of invented or shared codes among different properties.

The proposal is also for illegal adverts to be taken down within a maximum of 48 hours and not to be published again. In the case of recurrent offenders or presumed scammers, the ads would be eliminated immediately.

One of the most notable new measures would see Airbnb provide the bank details of accounts used by owners to receive payments made via the platform. This would strengthen the traceability of transactions and the fight against fraud.

For its part, Barcelona City Council would only use the data from Airbnb for the purposes of checking, would formally notify deactivation decisions and provide a contact for the platform to communicate with securely and easily with it.

 

 

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