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.​

ajuts rehabilitació
01/03/2024 - 14:26

The Next Generation Fund, a key opportunity to encourage renovation and energy efficiency gains

Housing. European funding is helping to make homes more energy efficient, bringing benefits such as lower bills and a more...

29/02/2024 - 12:39

How will the new index regulate rents in Barcelona?

Housing. The Ministry of Housing and Urban Agenda has published details on the index, which will be applied in stressed market areas...

27/02/2024 - 15:38

Seven families receive the keys to flats from Barcelona’s emergency housing

Housing. Every month, the Barcelona Housing Consortium hands over homes from the Social Rental Fund to families in vulnerable...

26/02/2024 - 13:09

Do you have doubts about the social discount and how to ask for it? We can help you!

Housing. The social discount is a subsidy granted by the government to people in a situation of economic vulnerability, allowing them...

Tres persones miren des d'una terrassa les vistes, on s'hi veu un camp de futbol.
24/02/2024 - 14:40

Keys to 85 flats for the elderly handed over

Housing. The homes form part of the Porta Trinitat municipal housing project in Sant Andreu and offer specific services for the over...

22/02/2024 - 15:53

Access for young people and public policies at the heart of the conference on housing demand organised by the Observatori Metropolità de l’Habitatge

Housing. Social changes have transformed the demand for housing, and among the applicants, young people are the group with the most...

21/02/2024 - 14:18

Barcelona City Council signs new surface right to build social housing in Sants-Montjuïc

Housing. The neighbourhood of La Font de la Guatlla will have more social housing thanks to the granting of this surface right to...

15/02/2024 - 12:41

Demand and needs for decent housing examined by experts at the Observatori Metropolità de l’Habitatge conference

Housing. The conference 'Demand and housing needs: today's challenges to access decent housing' will look at the evolution of housing...

07/02/2024 - 11:34

The list of social entities awarded housing for vulnerable groups has been published

Housing. The Barcelona Housing Consortium is allocating ten housing units to social organisations to help people in situations of...

02/02/2024 - 13:09

The book ‘Cohousing in Barcelona’ defends cooperative housing as an affordable and sustainable alternative

Housing. College of Architects of Catalonia hosted the presentation of the book with the project managers, who appreciated the...