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.​

    • ->
    • ->
    • ->
    • ->
    • ->
    • ->
    • ->
    • ->
  • International experts to discuss the regulation of rent prices

    The rise in rent prices is one of the issues that most worries housing experts. The difference between salaries and rent prices means that many people have a hard time accessing decent housing or are facing eviction.

    In order to discuss possible solutions to burst this bubble, the DESC Observatory, with the support of the Barcelona City Council, will hold on Monday, November 18 a conference on the regulation of rent prices. This platform, made up of organisations and individuals, promotes economic, social and cultural rights as fundamental rights.

    International experts will participate in the rent regulation conference, presenting actions being carried out to stop price escalation in cities like New York and Berlin.

    The discussion featured two international speakers, Lucy Joffe, an expert in housing policies and regulation from New York, and Florian Schmidt, an urban activist and politician who will explain the Berlin case.

    In addition, the urban planner Maria Sisternas, spokesperson of the Jaime Palomera Tenants Union, and the journalist Marina Estévez of Eldiario.es participated in the round table. 


    Regulation of rental prices

    Talk on rent regulation where discussions on curbing price escalation and where international experts have explained the cases in New York and Berlin.


    • Lucy Joffe, expert in housing regulation and policies from New York.
    • Maria Sisternas, urbanist
    • Jaime Palomera, spokesman for Sindicat de Llogateres
    • Marina Estévez, journalist from Eldiario.es
    • Lucía Martín, councilor for Housing and Rehabilitation of the Barcelona City Council