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.​

The OND is twenty years old!

18/12/2018 - 18:58

Office for Non-Discrimination. 20 years fighting discrimination in Barcelona

On 15 December, the Office for Non-Discrimination (OND) turned 20 years old. The creation of the Office for Non-Discrimination [Oficina per la No Discriminació] was one of the results that arose from the 1st European human rights conference held in Barcelona in October 1998 with the document “El Compromís de Barcelona” (Compromís de les ciutats pels drets humans) [“Barcelona’s Commitment” (Cities’ Commitment to Human Rights), which was signed by around fifty mayors and municipal representatives of Europe’s major cities to express the political will to defend and protect human rights at local level.

The OND, inspired by the San Francisco office model (The San Francisco Human Rights Commission), thus became the European pioneer in the defence of human rights and the fight against discrimination. Subsequently, in 2000 it became actively involved in the drafting of the “European Charter for the Safeguarding of Human Rights in the City”.

During the first stage of establishment of this new service in Barcelona, ​​the OND opened its doors to tackle the first infringement-related complaints, explain to the public what discrimination meant and provide the necessary tools for guidance and support.

In 2014 the Office changed its name to the Rights Service Office [Oficina d’Atenció als Drets] (OAD) as part of the new Agency for civil rights and non-discrimination. Later on, in 2016, it regained its original name following the drafting of a new government measure for the empowerment of the Office for Non-Discrimination, which supplemented the actions of the “Barcelona, City of Rights” Programme.

In these 20 years, around 4,500 cases of discrimination have been opened, around 5,000 people have received information and advice, and a further 13,200 have received human rights training. The actions taken in the cases dealt with in this time have been approximately as follows: 14% were resolved by reporting them to the police, courts or tax authorities; 28% were sent to other services; 52% were settled by means of dispute resolution techniques; and 6% were not successfully resolved.

During this time, we believe that this Office has been a model to be followed, at both municipal and city levels, in the defence of rights and the fight against discrimination. These 20 years have involved an intense and complex journey in which the OND has had to adapt to various visions and ideas in the fight against the infringement of rights, as well as to the growing influence of organisations and the strengthening of the civil society in the city during this time. At present, we understand that the service we offer citizens could be further diversified, that it could be further deployed within the city, that its actions could be made more visible, and we are increasing our joint work with organisations.

We believe that we can be proud of maintaining this municipal service in the past, in the present and for the future!

For equal rights. Come to us. We listen. We act.

 

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