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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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Do you want to renovate your home? Participate in the information sessions about Next Generation grants

Do you want to renovate your home? Participate in the information sessions about Next Generation grants

03/04/2023 - 15:49

Housing. Between April and May, the Barcelona City Council will present the grants for the rehabilitation of buildings from the European Next Generation funds in different talks, open to everyone, and in different districts of the city.

The Barcelona City Council, through the Municipal Institute of Housing and Renovation (IMHAB), will hold a dozen of open and free informative sessions, which do not require prior registration, for all citizens interested in the grants for the renovation of housing offered by the council, thanks to the European Next Generation funds.

The city council’s commitment to improving both the quantity and quality of building renovation throughout the city is translated into four lines of grants, which can cover up to 80% of the investment in renovation.

 

Scheduled information sessions

April

 

Eixample

  • Information session for the Eixample neighborhood

Tuesday 11th at 6pm

At the Federació d’Entitats Calàbria, 66, on the Auditori Joan Bordetas

C. Calàbria, 66, baixos

 

Gràcia

  • Information session for the Gràcia neighborhood

Thursday 13th at 6pm

At the Biblioteca Jaume Fuster

Pl. de Lesseps, 20

 

Horta-Guinardó

  • Information session for the residents of the Horta-Guinardó north area

Thursday 13th at 6pm

At the Centre Cívic Teixonera 

C. d’Arenys, 75

  • Information session for the residents of the Horta-Guinardó south area

Monday 17th at 6pm 

At the Casal Mas Guinardó 

Pl. de Salvador Riera, 2 

 

Sants-Montjuïc

  • Information session for the Poble-sec – Sants Montjuïc neighborhood

Tuesday 18th at 6pm 

C. d’Albareda, 22

  • Information session for the Font de la Guatlla (Sants Montjuïc) neighborhood

Tuesday 25th at 6pm

At the Centre Cívic Font de la Guatlla

C. Rabí Rubèn, 24-26

 

Ciutat Vella

  • Information session for the residents of the neighborhoods of Barceloneta and Sant Pere, Santa Caterina i la Ribera (Ciutat Vella) (Building line) 

Wednesday 19th at 6pm 

At the Centre Cívic Convent de Sant Agustí 

C. del Comerç, 36

  • Information session for the neighborhood of the Raval and Gòtic Sud (Ciutat Vella) (Neighborhood Line)

Wednesday 26th at 6pm

At the Casal de Barri Raval

C. de la Reina Amàlia, 31

 

Sant Andreu

  • Information session for the neighborhood of the Sant Andreu district (Trinitat Vella, Bon Pastor, and Baró de Viver) (Neighborhood Line) 

Thursday 20th at 6pm

At the Centre Cívic Baró de Viver

C. de Quito, 8-10

  • Information session for the neighborhood of the Sant Andreu district (Sant Andreu, Sagrera, Navas and El Congrés i els Indians) (Building Line)

Thursday 27th at 6pm

At the Fabra i Coats: Fàbrica de Creació de Barcelona. Sala Polivalent Espai Josep Bota

C. Sant Adrià, 20

 

May

Les Corts

  • Information session for the neighborhood of the Les Corts district

Tuesday 2th at 6pm

At the Centre Cívic Joan Oliver “Pere Quart”

C. Comandant Benítez, 6

 

Sarrià-Sant Gervasi

  • Information session for the neighborhood of the Sarrià-Sant Gervasi district (Sarrià, Les Tres Torres, Sant Gervasi-la Bonanova, Sant Gervasi-Galvany and El Putxet i el Farró)

Thursday 4th at 6pm

At the Vil·la Urània

C. de Saragossa, 29

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