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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.​

Open day at the Carrer Clariana car park

16/06/2021 - 16:56

Housing. The car park with its 128 affordable parking spaces in the Baró de Viver neighbourhood can be visited on 28 June.

On 28 June, the car park managed by Barcelona’s Municipal Institute of Housing and Renovation (IMHAB) on Carrer Clariana 8, in the Baró de Viver neighbourhood (Sant Andreu district) can be visited in small, pre-booked groups. Visiting hours are from 9:30 a.m. to 1:30 p.m. and 3:30 to 7.30 p.m. and will last half an hour. Booking is necessary and can be done via this form, by calling 670 054 334 (from 9.30 a.m. to 1 p.m. and 4 to 6.30 p.m.) or in person at Baró de Viver Civic Centre (Monday to Friday from 10 a.m. to 2 p.m. and from 4 to 9 p.m. and Saturday from 10 a.m. to 2 p.m.).

The idea behind the open day is for the neighbourhood residents to get to know the facilities and to show the parking spaces and installations, as well as to inform those who are interested about the terms and conditions for buying and renting them. The spaces are offered at a moderate price and financing is available. 

The Carrer Clariana car park will have 128 affordable spaces which will join the public offer of parking spaces to rent or buy offered through the IMHAB parking spaces service. The main mission of IMHAB is the management of public housing stock, but this management also includes secondary products such as parking spaces. Public housing developments often have car parks, and these spaces are not always occupied by the residents. Any that remain are offered to local residents at moderate prices. All the information about the purchase or rental terms and conditions for accessing the spaces will be given during the visit.

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