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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    • Barcelona City Council Housing Conference, October 24-25th.
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    • Jordi Amela, Director of Renovation at the Barcelona Housing Consortium.
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    • Joaquim Pascual (Municipal Housing Trust), Sandra Bestraten (ETSAB-UPC) and Santiago Cirugeda (Estudio Recetas Urbanas).
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    • Franziska Ullman, Raúl Vallés and Henrik Gutzon at the last Roundtable of the day.
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    • Roundtable on International Experiences of Cohousing.
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    • Roundtable on International Experiences of Cohousing.
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    • Roundtable on Tactical Housing, Innovation and Architecture.
  • Architecture and Innovation: Renovation, Urban Regeneration and Housing

    During the second day the Housing Conference turned into a meeting point for swapping new ideas and trends in architecture. With a common goal: promoting a new type of quality, efficient housing that serves people’s needs.

    Architects, architecture lecturers and professionals in other fields such as public housing and sociology discussed alternative models and other, international housing experiences.


    Roundtable I: Renovation and models for urban regeneration

    Jordi Amela, Director of Renovation at the Barcelona Housing Consortium

    Jordi Mas, Fifth Deputy Mayor and Urban Planning and Housing Spokesperson, Santa Coloma de Gramenet City Council

    Juan Rubio del Val, Head of the Area of Urban Regeneration and Residential Innovation Projects, Zaragoza Vivienda (SLU)

    Roundtable II: Tactical Housing, Innovation and Architecture

    Joaquim Pascual, Director of Technical Services at the Municipal Housing Trust, Barcelona City Council

    Sandra Bestraten, Lecturer at the Barcelona School of Architecture (ETSAB-UPC) and member of the architectural firm BH Arquitectura 

    • Renovation: a step towards social change

    Santiago Cirugeda, Member of the architectural firm Recetas Urbanas

    Roundtable III: International Experiences of Cohousing

    Henrik Gutzon, Lecturer in Critical Geography at the University of Lund and housing cooperative member in Copenhaguen, Denmark

    Franziska Ullmann, Lecturer at the University of Stuttgart and architect in Vienna, Austria

    Raúl Vallés, Architect and member of the Mutual Aid Housing Cooperatives in Montevideo, Uruguay

    Experts' opinion

    Dialogue on renovation: Barcelona and Santa Coloma de Gramenet

    Jordi Amela

    Director of the Barcelona Housing Consortium


    Jordi Mas

    Urban Planning and Housing Spokesperson, Santa Coloma de Gramenet City Council