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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.​

What are the city’s fire service and police doing during the Covid-19 emergency?

07/04/2020 - 13:21

COVID-19. The two corps have strengthened services in public spaces and assistance provided.

The city’s security and emergency services have been refocusing their tasks to tackle Covid-19 since the state of emergency was declared. The City Police have stepped up their presence in public spaces to ensure respect for others, safety and compliance with the confinement measures, while the Fire Service has been providing logistical and organisational support for all new projects which have been started in the city.

The City Police corps has been reorganised into workforces of over 1,000 officers to reduce the risk of infection and ensure operability and the capacity of the police to respond. Another measure to meet the needs caused by the Covid-19 emergency has seen neighbourhood policing stepped up and more night patrols. The figure of the healthcare police office has also been created, with two officers who are also qualified nurses taking on technical roles to help hotels offering their facilities to care for patients. The police corps has also stepped up assistance for elderly people living alone, with a new communication channel for users of the VinclesBCN service.

In the period up until 6 April, the City Police and the Catalan police corps (Mossos) reported 17,421 people and issued 33,212 warnings for citizens not respecting the confinement rules. Inspections were carried out at 120 commercial establishments and 666 warnings issued, with 4,409 vehicles also intercepted.

Neighbourhood policing to handle incidents and respond to needs among local residents has been increased by 174%. Most calls received (5,291 since the start of the state of emergency) related to noise and music (52.5%), inconvenience caused by works (19.5%) and in public space (17%).

Action by the Barcelona Fire Service

As with the City Police, in order to prevent the risk of infection among staff and establish safety procedures, the Barcelona Fire Service has developed various procedures to avoid risks. Shift hours have been changed and five facilities conditioned so that teams are spread between them and the fire stations, rather than being concentrated together.

The Fire Service is involved in all the projects being developed by Barcelona City Council to tackle the Covid-19 crisis and has put together a map with full statistical data on the status of facilities and essential services in the city. The service is mainly collaborating with:

  • Healthcare hotels: advice for establishments and staff on coordination and measures to condition facilities, healthcare materials, protective gear and human resources. The Fire Service is also tasked with transferring patients from hospitals to the hotels.
  • Temporary hospitals: the corps has carried out and coordinated the installation of sanitary facilities at these centres, as well as the emergency plan for each area.
  • Fira 2 health facility: Logistical support and design of the emergency plan for the hall at Fira de Barcelona.
  • Fira social project: Logistical support and definition of the emergency plan for the hall.
  • Elderly people’s homes: disinfection and segregation tasks with people infected with Covid-19 but not displaying symptoms. Thirty residences have been disinfected so far.

 

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