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.​

22/01/2024 - 16:40

Do you want to understand your water bill? We’re here to help!

Housing. It is essential to know and understand the key concepts of the water bill to determine if what we are paying corresponds to...

09/10/2023 - 11:59

Want to understand your gas bill? We can help you!

Housing. Understanding the key concepts on the bill and knowing whether we are in the regulated or free market helps us reduce our...

22/03/2023 - 16:24

Want to understand your electricity bill? We can help you!

Housing. In this informative capsule, we explain, in five steps, how to lower your household electricity costs.

La Balma
12/07/2022 - 14:08

Five Barcelona Housing projects are awarded by the Spanish Association of Housing and Land Public Managers

Housing. La Balma and APROP, among the winners for best new construction and best R&D project, respectively

09/06/2022 - 11:58

Energy Advice Points: five years preventing utilities from being cut off

Housing. Since its launch in 2017, the service has handled enquiries from nearly 155,500 people, corresponding to 60,500 Barcelona...

10/05/2022 - 08:09

Progress of the works on the first “Illa Eficient” building

Housing. This is the first of a 22-building complex that form the block between Gran Via and the streets Carrer Viladomat, Carrer...

24/11/2021 - 11:04

Industrialised promotion of housing promotes integral, collaborative work and faster and more sustainable construction

Housing. Joan Carles Melero, Anna Guanter, Jose Manuel Villanueva, Jose Manuel Villanueva, Francesc Monells and Teresa Batlle discuss...

10/10/2021 - 10:57

The #Housing 2030 Report of ONU-Habitat, UNECE and Housing Europe acknowledge Barcelona as a pioneering city in housing policies

Housing. Barcelona stands out for its innovation in matters of regulation of rentals of homes and tourist apartments, citizens’...

26/07/2021 - 13:55

Five tips to save energy if you work from home

Housing. The pandemic has resulted in an increase in teleworking and this has meant an increase in the energy costs for many homes.

26/04/2021 - 18:07

Energy advice points help over 30,000 people in 2020

Environment and sustainability. The PAE have also helped prevent utilities being cut off in 27,598 cases and helped families save...