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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.​

Two new APROP temporary housing blocks in Sant Martí and Sants-Montjuïc

27/01/2021 - 12:49

Housing. The blocks will house two hundred people with emergency housing needs, young people and single-parent families.

Two new examples of public housing to provide homes for some two hundred people with emergency housing needs, young people and single-parent families. Projects have been awarded for two new APROP temporary local housing blocks in the neighbourhood of El Parc i la Llacuna del Poblenou, in Sant Martí, with a tendering process also resolved for a third APROP building in the neighbourhood of La Bordeta, in Sants-Montjuïc.

Block of 42 homes in Poblenou

The second building with provisional local accommodation to be built in the city will be on the site at C/ Bolívia, 33-41 interior, in the vicinity of Plaça de les Glòries. The block will have 42 homes in all, 35 of them two-bedroom flats and the rest one-bedroom, meaning an overall capacity to house 110 people. The building will also include communal spaces such as a laundry room and a cultivation patch, along with a neighbourhood facility on the ground floor.

The draft contract for the project and the construction of the building have been awarded through the Municipal Institute of Social Services (IMSS) to the company Constructora de Calaf, SL, and represent an investment of 4 million euros. The project is currently at the draft stage. Work will take 26 weeks, and the building should be ready before the year is out.

The awarding of the homes to future residents will guarantee a social mix, with half of them for families waiting for a definitive home from the Emergency Board and the other half going to young people, a group with real difficulties in accessing housing.

Forty new homes in Sants-Montjuïc

In terms of the block of provisional homes in the neighbourhood of La Bordeta, the architecture competition won by Loggia offers a project to direct the construction of a temporary building for 40 homes (24 two-bedroom flats and 16 one-bedroom) in Av. Carrilet, between Riera Blanca and Rambla de Badal. The proposal wraps a ten-floor building in a series of galleries making it visually lighter and moving well away from the concept of closed container.

Work should get under way in the second quarter of 2022. The project involves a municipal investment of 6,750,000 euros and will provide housing for around 90 people. The building will have eight floors of homes, on top of a ground floor and a first floor to be used for local facilities. The ground floor should house a community facility which is open to the local neighbourhood.

As with the project at Glòries, half the APROP homes in La Bordeta will be for families with a favourable report from the Emergency Board and who are waiting for a definitive home. A specific call will be opened for the other half, for single-parent families on the register of applicants for public housing, with other people also expected to be able to apply.

APROP as an alternative to building traditional housing

Temporary local housing offers a residential solution for families at risk who need swift provisional help from social services until they can get into definitive housing.

The homes are built from recycled shipping containers and take their inspiration from successful solutions already working in cities around the world such as Amsterdam, Copenhagen and Vancouver. The first APROP project in the city was in the Gòtic neighbourhood.

 

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