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.​

This page offers you all the information, documents and audiovisual material from the various conferences, talks and congresses on housing that have been organised by Barcelona City Council.



FHAR concludes with building renovation and housing policies at the center of the debate

29/11/2022 - 22:58

Housing. The second and last day of the Barcelona Housing and Rehabilitation Forum focused on the renovation of buildings and the...


Barcelona's role in sustainable construction and the right to housing mark the first day of FHAR

28/11/2022 - 23:06

Housing. The start of the Barcelona Housing and Rehabilitation Forum was marked by quality analysis by renowned speakers in the field...


Everything you need to know about the FHAR 2022

25/11/2022 - 16:34

Housing. This Monday, November 28 and Tuesday, November 29, the Palo Alto Barcelona venue will host prominent speakers from the...


The Barcelona Housing and Renovation Forum is now open for registration

03/11/2022 - 11:12

Housing. International experts in the sector, headed by such a prestigious figure as Christopher Hutin, will focus on industrialized...


Housing and Renovation Forum 2022 (FHAR)

For two days, national and international experts will share knowledge, experiences, and visions of the future about three topics of great relevance: housing emergency, industrialised construction, and housing renovation.

Housing and Renovation Forum 2021 (FHAR)

For two days, national and international experts have reflected on how to increase the stock of affordable housing. 

Conference on the regulation of rent prices

International experts to discuss the regulation of rent prices

Housing and Renovation Forum 2019 (FHAR)

For three days, international experts debated and reflected in this forum about the future of the right to housing in the city.

Co-housing meeting 2018

The Barcelona City Council presents its cooperative housing model as a way to boost affordable housing at the first Cohousing Meeting

Renovation policies in Southern Europe

Experiences on policies to promote renovation and its social impact were exchanged at this meeting.

Smart City 2017 | Housing Conference

Members of the Eurocities Network reflected on rent-stabilisation measures and the role of local governments in housing policies.

Construmat 2017 | 'Housing that makes a city' conference

The 'Housing that makes a city' conference held on 23 May put the big challenges facing housing policies in Barcelona at the centre of the debate.

Housing Conference 2016 (Day 1) | The rental market, gentrification and the impact of tourism

The Barcelona City Council Housing Conference was held on 24 and 25 October 2016. Three seminars were held on the first day and dealt with various aspects of the city’s current housing model.

Housing Conference 2016 (Day 2) | Rehabilitation, architectural innovation and cohousing

The second day was the turn of the roundtables, where various experts and professionals discussed new trends in housing renovation, urban regeneration, innovation and cohousing.

View more