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 participatory process to rethink the 22@ concludes

26/05/2018 - 15:45

Participation. Participants shared all proposals in the final meeting and decided on priority measures.

A year and a half after the launch of the participatory process to rethink the 22@ district, a concluding meeting was held to share all of the proposals made and jointly define the most broadly accepted measures and priorities in order for a feasibility study to be carried out.

The results of the participatory process are meant as tool for analysing and proposing solutions for the current challenges faced by the neighbourhoods of Poblenou and El Besòs i el Maresme, where the Pla22@ is located.

The final meeting included a public presentation of the analysis of 35 needs and issues identified in the 22@ neighbourhood, as well as 45 proposals from the public made during the process. Proposals tackled spheres such as housing, commerce, facilities, heritage, public space, mobility and the economy around offices and industrial premises.

The proposals aim to create an urban model which helps to foster neighbourhood life, the promotion of public housing with social rents, various public facilities, local commerce and more.

Long and carefully conducted process

The participatory process ‘Repensem el 22@’ started in October 2017. After an initial information stage, needs and issues for the 22@ district were addressed in the public analysis stage in January and February. To make this possible, 809 citizen surveys were conducted and four routes based on gender perspectives were organised.

Once the social, urban and economic challenges were identified, a series of debates were organised to gather proposals in March and April. In all, fourteen sessions were organised for local collectives and social bodies, as well as two open sessions for local residents.

Over a thousand people took part in the process, either in person or digitally, by using the decidim.barcelona platform.

 

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