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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.​

The registration process for attending the Barcelona Housing and Rehabilitation Forum is now open

02/11/2021 - 15:38

Housing. On 23 and 24 November, international experts will debate on how to increase affordable housing.

The registration process has already been opened for the new edition of the Barcelona Housing and Rehabilitation Forum (FHAR), organised by the Barcelona Municipal Housing and Rehabilitation Institute (IMHAB) and to be held on 23 and 24 November at the Sant Pau Modernist Complex. During these two days, experts in the housing sector will speak about how to enlarge the affordable housing stock. The capacity for this event is limited and registrations must be made on the FHAR website. The sessions will also be streamed.

The FHAR takes place within the series of seminars and conferences promoted by the IMHAB since 2016 to reflect on the future challenges of the sector. During these two days, professionals of the domestic and international housing sectors from the public and private sector and associated with social movements will debate on and accentuate the future of the right to housing in the city, just at the moment when we are overcoming a pandemic that poses new challenges. We will be able to listen to the reflections of the Councillor of Berlin, Florian Schmidt; the head of the European Union office of the International Union of Tenants, Barbara Steenbergen; the head of Housing, Research and Development Policy of the Dublin City Council and director of the Dublin Housing Observatory, Daíthí Downey; the former Councillor of Urban Planning and Housing of Vienna, Maria Vassilakou; one of the main authors of Housing 2030 at the RMIT University, Julie Lawson; and the doctor in anthropology, researcher at La Hidra and member of the Barcelona Union of Tenants, Jaime Palomera; along with Barcelona’s Councillor for Housing and Rehabilitation, Lucía Martín, among others.

The pandemic challenges of urban planning and housing will form one of the principal axes of the FAHR, along with innovation in the public promotion of housing, the commitment to delegated promotion between the public and private sectors, transparency and public data to design evidence-based housing policies, in addition to discussions of the various European models of public policies of access to housing.

The seminar of 23 November will focus on formulas to increase the public rental housing stock. Debate will centre, among other themes, on the urban challenges in times of pandemic, the importance of transparency and data for designing housing policies, and innovation in the public promotion of housing with techniques such as industrialised promotion. The meeting of the 24th will centre on collaboration strategies for increasing the affordable housing stock. The themes will include European models like the European initiative Housing 2030, the initiatives being carried out in the city of Barcelona and the public-private or public-community collaboration agreements.

You will find full information on the speakers and the programme on the website, where you can also register, and the link to follow the streamed conferences.

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