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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.​

You can now book an appointment with IMHAB via 010

22/06/2021 - 09:33

Housing. This change aims to simplify the communication channels and improve the quality of the service

From Monday 21 June, you must call 010 to book an appointment with IMHAB and transactions will be done through the transactions portal of the City Council’s electronic office. This simplifies the process as the channels will be the same that citizens use for other transactions with Barcelona City Council.

This unification will result in improvements for the user. On one hand, the hours available for booking appointments will increase. Business hours for booking appointments will be Monday to Sunday from 7 a.m. to 11 p.m. It will also enable citizens services to be segmented to offer a more specialised service and have the quality standards and indicators of the 010 helpline, which will help improve the quality of the service and increase user satisfaction.

Ways of contacting IMHAB

With these changes, the ways of contacting IMHAB will be:

  • IN PERSON WITH AN APPOINTMENT: For information and paperwork relating to the public housing stock (contractual and financial), for the payment of bills and rent reductions. Book an appointment by calling 010 from Monday to Sunday, 7 a.m. to 11 p.m., or enter the website habitatge.barcelona.cat or the User’s Area of the IMHAB website portal.imhab.cat.
  • BY PHONE OR E-MAIL: For information and consultations regarding the public housing stock and to file complaints, suggestions or claims: call 932 915 404 and 932 915 424 from Monday to Friday, 9 a.m. to 2 p.m., or via e-mail imhab@imhab.cat.
    To notify any maintenance incidences of the IMHAB buildings or public housing stock, you can contact the Technical Assistance Service on 932 915 411 from Monday to Friday, 9 a.m. to 6 p.m. or send an e-mail to avismanteniment@imhab.cat.

  • VIA INTERNET: To pay available rent bills and consult bills, file petitions, obtain rent or property tax certificates, or for general information consultations: through IMHAB website users’ area, portal.imhab.cat. Furthermore, IMHAB has provided the User’s Area so you may safely pay bills on-line without having to visit the office.

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