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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.​

Racism and xenophobia the main causes of discrimination handled by the OND

28/02/2021 - 10:14

Inclusion. The Office for Non-Discrimination handled 219 cases in 2020.

The Office for Non-Discrimination (OND) has presented data for the support it provided in 2020, with figures unchanged compared to previous years despite the effects of the pandemic in the city. Racism and xenophobia account for 42% of cases handled by the office and represent the main cause of discrimination, followed by LGBTI-phobia (28%).

The total number of cases handled by the Office for Non-Discrimination remains unchanged compared to previous years. Out of the 95 cases of racism and xenophobia, 42 were for the former and 53 for the latter. Complaints from victims were about denigrating treatment with insults, scorn, humiliation, threats and offensive comments about returning to their country of origin, as well as physical aggression.

The figures also come with an increase in discrimination among tenant/owner communities in buildings, which may have come about as a result of the lockdown. OND services provided mediation between the different parties, in coordination with prevention services and other municipal resources.

Municipal tools to fight LGBTI-phobia

Last year saw 57 files opened for LGBTI-phobia, some 28% of all the cases handled by the OND. This confirms the increase in cases in recent years (16% in 2018 and 22% in 2019). Given the situation, the City Council developed a new protocol to combat LGBTI-phobia, with the coordination and collaboration of the OND, the Barcelona LGBTI Centre and other LGBTI rights organisations. The protocol is helping raise the profile of cases and improve support for victims of discrimination.

Besides racism, xenophobia and LGBTI-phobia, the OND handled reports of discrimination on the grounds of gender (8%), health (7%), disability (6%) and more.

Moral integrity as the main right violated

Looking at the figures according to the right violated, moral integrity represents 35% of cases, making it the main type, far ahead of physical integrity (15%) and the provision of services (13%).

In terms of the violation of rights in the provision of services, the type of situation identified in 2019 remains unchanged: the restriction or denial of different banking services on the grounds of origin or nationality of the person making the request.

The OND as a guarantee for support across the board

The Office for Non-Discrimination offers comprehensive support to tackle discrimination, denounce it and assist victims. The office provided support and legal assistance in 194 instances in 2020, along with psycho-social support in 73 cases, and guidance, assistance and empowerment in 172 instances. The service also provided mediation in 13 cases with the goal of the discriminator repairing the harm caused.

 

 

 

 

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