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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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Telecare Service strengthened to guarantee user support

Telecare Service strengthened to guarantee user support

21/03/2020 - 12:39

COVID-19. Every day the service contacts 3,000 people to give them information and answer queries on Covid-19.

The Municipal Telecare Assistance attends to around 88,095 users, mainly elderly and dependent people. During the state of alert for Covid-19, the service has added a further 13 people to reinforce the team and answer any queries about the coronavirus disease.

Since 14 March and the declaration of the state of alert over Covid-19, the Municipal Telecare Service has been reorganised to contact 3,000 users, mainly elderly and dependent persons, on a daily basis, to inform them, advise them and answer any queries about Covid-19. They also receive recommendations on how to organise their time and activities and exercises they can do while they are confined to their homes. This daily contact means the City Council Telecare Service ensures their users’ basic needs are covered and helps to take the pressure off the 061 CatSalut Responds helpline.

The service to the 1,600 elderly Radars project users is being provided by the technical staff of the VinclesBCN service in coordination with the Municipal Telecare Service and the Radars’ team.

A service that operates every day of the year

The Barcelona City Council Municipal Telecare Service is a permanent home care service provided 24 hours a day, 365 days a year. This enables its users, mainly elderly and dependent people, to be connected with a care centre that manages the necessary services for attending to an emergency situation.

 

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