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.​

Racism, xenophobia and LGBTI-phobia, the main reasons for discrimination in the city

06/09/2021 - 10:45

Inclusion. The OND has presented data for the first six months of 2021, when it opened 125 cases.

The Office for Non-Discrimination (OND), the specialised municipal service for people who suffer discrimination in the city, has presented its data for the first six months of the year. Racism and LGBTI-phobia head the list of cases and between them account of over 60% of the total.

Cases of racism and xenophobia account for over 30% of those handled by the OND, as do cases relating to LGBTI-phobia. Even so, there has been a significant drop in cases of racism and xenophobia (12%) compared to the same period in 2020, while cases of LGBTI-phobia are up by 5%.

During the first six months of 2021, the OND opened 125 cases for discrimination and the violation of rights, some 13% more than the period from January to June 2020, when the figure was 111.

LGBTI-phobia on the rise

In the period up to June, the Office for Non-Discrimination opened 39 cases relating to LGBTI-phobia: 23 due to homophobia, 14 for transphobia and 2 for lesbophobia. In 24 cases people’s moral integrity was violated and in 7 cases there were physical aggressions.

For cases of discrimination due to LGBTI-phobia, the OND has a coordination protocol with the Observatory against Homophobia and the Barcelona LGBTI Centre, to offer comprehensive support for the victim and address their social, psychological and legal needs.

In this respect, the City Council has announced it will act as a private prosecutor in the case of the aggressions against two homosexual couples at the Somorrostro beach at the end of May. The victims were verbally abused and physically attacked, with one of them suffering a fractured maxilla.

Moral integrity the main right to be violated

In terms of the types of rights violated in situations reported to the OND, the right to moral integrity was violated in 43 of the 125 incidents and accounts for the main right to be violated. The provision of services follows in second place, with the right to housing third and on the rise.

Also worth noting is the sharp drop in cases opened for physical aggression, with the figure falling from 27 for the first half of 2020 to 11.

 

Share this content