Tanca Tanca

Housing Glossary

You will find information here on all topics relating to housing in Barcelona


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.


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.


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.


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.


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.


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.


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.


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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  • Industrialised construction, renovation, and housing emergency

    The Barcelona Housing and Rehabilitation Forum (FHAR) is an initiative of the Municipal Institute of Housing and Rehabilitation (IMHAB) of the Barcelona City Council, which aims to bring together professionals from the public and private sectors to discuss, work and enhance the future of the right to housing in the city.

    The third edition of this event took place on November 28th and 29th at the Palo Alto Barcelona venue, in the middle of Poblenou. In total, some thirty national and international experts contributed their knowledge in several round tables and conferences that focused on three main topics: the commitment to housing construction using industrialised methods; the promotion of building renovation in different parts of the city; and the multiple consequences of the housing emergency.

    All of them complex issues that generated multiple opinions among the speakers, and that put on the table challenges such as the need to expand the current public housing stock, establish a regulation on rental prices and stop a process of gentrification that is already leaving its mark in many neighborhoods of the city. However, this year's FHAR also showed some of the great advances that Barcelona is experiencing in terms of housing, such as the progressive penetration of industrialised construction in new developments, the growth of APROP housing and the expansion of renovation aid.

    In the last block of sessions of the day, the event also featured visits to see first-hand some of the municipal projects.

    The FHAR is part of the cycle of seminars and conferences that IMHAB has promoted since 2016 to reflect on the future challenges of the sector.

    Expert opinion

    Lucía Martín

    Barcelona City Councillor for Housing and Refurbishment.

    Topics for discussion: Measures against gentrification, regulation of rental prices, the role of public administration and the third edition of the FHAR.    

    Javier Burón

    Barcelona City Manager for Housing.

    Topics for discussion: The promotion of rehabilitation. Expansion of the public housing stock. The housing bill.

    Doris González

    Executive Secretary for condominiums, Chilean Ministry of Housing and Urban Planning.

    Topics for discussion: Housing inequalities in Chile. The role of public administration. Housing as a right. Barcelona as a reference model.

    Anna Ramos

    Director of the Mies van der Rohe Foundation.

    Topics for discussion: Barcelona, a laboratory of innovation. The role of building models. Barcelona, the world capital of architecture in 2026.

    Daniel Ibáñez

    Founding architect of Urbanitree and Director of the IACC.

    Topics for discussion: The use of wood in housing construction and its properties. Europe's commitment to the use of this material. Barcelona, a reference in Spain. The role of public administration.

    Katalin Gennburg

    Member of the Berlin State Parliament for Die Linke.

    Topics for discussion: The causes of the housing emergency. The state of housing in Berlin. Housing as a social right.

    Lluís Roig

    Executive Director of Tribuna Arquitectura and Architect of the APROP of Glòries.

    Topics for discussion: The evolution of industrialised construction in Catalonia. The role of public administration. 

    Celia Galera

    Founder and director of the Habitat Futura Group.

    Topics for discussion: Renovation of buildings. Energy transformation of the city. The role of neighboring communities. 

    Megan Bishop

    National Secretary, Living Rent (Scotland’s Tenants’ Union).

    Topics for discussion: Housing is a fundamental right. The rental status in Scotland. The power of social movements.

    Christophe Hutin

    Architect for the project to refurbish Grand Parc Bordeaux with Lacaton & Vassal and Frédéric Druot.

    Topics for discussion: Sustainability in housing construction and renovation. The well-being of citizens. 

    FHAR 2022 presentations

    FHAR 2022: strategies to fight gentrification

    November 28 (9:30 am)



    Presentation of the third edition of the FHAR, where three current thematic blocks such as housing emergency, housing renovation, and industrialised construction are put on the table.



    · Núria Moliner (Architect, researcher, and communicator)



    · Vanesa Valiño (Head of Cabinet of the Housing Department of the Barcelona City Council)

    Wood industrialised public housing

    November 28 (10:00 am)



    Different experts in new construction models, more sustainable and committed to the environment, analyze Barcelona's commitment to wood, a material on the rise in housing construction.  



    · Daniel López (Architect at the Municipal Institute of Housing and Rehabilitation of the Barcelona City Council)



    · Josep M. Fabregat (Fabregat&Fabregat Arquitectes) 

    · Maria Assís (COMA Arquitectura)

    · Daniel Ibáñez (Founding architect of Urbanitree and Director of the IACC) 

    · Isabel Pérez (Vivas Arquitectos)

    Modular industrialised public housing and APROP

    November 28 (12:00 pm)



    Analysis of the evolution of housing construction using industrialised systems, such as the innovative APROP housing in Barcelona, based on the opinion of different professionals with experience in this field..



    · Cecília Colomer (Architect at the Municipal Institute of Housing and Rehabilitation of the Barcelona City Council)



    · Marc Obradó (Exe Arquitectura)

    · Yaiza Terré (Yaiza Terré Arquitectura)

    · Irene Subils (Architect at the Management of Social Rights, Global Justice, Feminisms and LGTBI)

    · Lluís Roig (Tribuna Arquitectura)

    Industrialisation for better refurbishment

    November 28 (13:00 pm)



    A debate between two prestigious international figures where Anna Ramos provides a global vision of the interconnection of architecture with recent social housing projects, and Christophe Hutin shows his project for the renovation of three large blocks of buildings in Bordeaux, winner of the European Union Prize for Contemporary Architecture.



    · Anna Ramos (Director of the Mies van der Rohe Foundation)

    · Christophe Hutin (Architect for the project to refurbish Grand Parc Bordeaux with Lacaton & Vassal and Frédéric Druot)

    Rent in Europe, regulations to fight speculation

    November 28 (16:30 pm)



    The expert and researcher in housing law, Andrei Quintiá, provides an overview of the state of rentals throughout Europe, its regulatory framework and the complex measures to be taken by the administrations to improve the current scenario.



    · Andrei Quintiá (Post-doc research in the Faculty of Law at the University of Groningen)

    Scotland, Berlin and Barcelona, strategies to fight gentrification

    November 28 (17:00 pm)



    Housing treated as a commodity to speculate on, and not as a social right, is one of the problems facing Barcelona, Berlin, and Scotland. Three representatives from each territory share their diagnoses and possible solutions.



    · Carme Arcarazo (Barcelona Tenants’ Union)



    · Megan Bishop (National Secretary, Living Rent (Scotland’s Tenants’ Union))

    · Katalin Gennburg (Member of the Berlin State Parliament for Die Linke)

    · Lucía Martín (Barcelona City Councillor for Housing and Refurbishment)

    Refurbishing according to social and environmental criteria

    November 29 (9:30 am)



    Barcelona has made a remarkable leap in the renovation of buildings, as explained, from different perspectives, by four experts in this field. Collectivizing the refurbishment process and opting for a more circular and energetically sustainable model are some of the points on the table.



    · Núria Moliner (Architect, researcher, and communicator)



    · Anaïs Bas (Partner at Cíclica [space · community · ecology])

    · Albert Sagrera (President of Batec and environmental advisor architect partner at Societat Orgànica)

    · Celia Galera (Founder and director of the Habitat Futura Group)

    · Isabella Longo (Project Director, BIT Habitat, Barcelona City Council Urban Innovation Centre)

    Next Generation funds: limits and possibilities

    November 29 (11:30 am)



    The boost to building renovation has benefited, in part, from the arrival of the European Union's NextGen Funds. Who can benefit and to what extent, and how this commitment can be maintained once the funds run out, are essential parts of the debate.



    · Irene Escorihuela (Director of the Economic, Social and Cultural Rights Observatory)



    · Javier Burón (Barcelona City Manager for Housing)

    · Elsa Ibar (Director of the programme for Next Generation funds, Government of Catalonia)

    · David Guàrdia (Habicoop - Federation of Housing Co-operatives of Catalonia and Housing Department of the Solidarity Economy Network)

    · Anton Gasol (Former Dean and Board Member of the Governing Board of the Association of Economists of Catalonia)

    Global perspective on housing policies

    November 29 (13:00 pm)



    The housing emergency is experienced very differently in each territory, but some of the major problems that characterize it are common in major Spanish cities such as Cadiz and Valencia, and in a capital city like Santiago de Chile. A housing policy representative from each of these territories explains their reality. 



    · Vanesa Valiño (Chief of Staff, Barcelona City Councillor’s Office for Housing)



    · Alejandro Aguilar (Secretary of Housing and Social Function, Valencian Community)

    · Eva Tubío (Cadiz City Councillor for Housing) 

    · Doris González (Executive Secretary for condominiums, Chilean Ministry of Housing and Urban Planning)