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.​

16/12/2021 - 09:11

The FHAR explores the collaboration between private, public and community actors in the enlargement of the affordable housing stock

Housing. More than thirty national and international experts shared strategies for universalising access to affordable housing beyond...

25/11/2021 - 14:01

“It’s a brutal challenge but we can’t each concentrate solely on our own patch”

Housing. Vanesa Valiño, Laia Forné, Manel Rodríguez and Glòria Rubio reflected on the initiatives of public-community collaboration...

25/11/2021 - 13:55

Enlarging the affordable housing stock, a responsibility shared between the public and private sectors

Housing. Javier Burón, Anna Gener, Borja García-Egotxeaga and Laia Forné analysed the role of public-private collaboration in the...

25/11/2021 - 13:49

“Housing is a human need, and therefore it is fundamental for human life and sustainable communities”

Housing. Julie Lawson reported on the latest actions of the ‘Housing 2030’ initiative and Hannah Emery-Wright, Emily Marion Clancy...

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...

24/11/2021 - 10:53

“When we speak of innovation in social housing we also speak of quality of life”

Housing. Gerard Capó, Felipe Castro, Cristina Ballester and Maria Vassilakou present the best cases of innovative experiences.

24/11/2021 - 10:18

“Big Data can give us a lot of information, but it will not solve our problems. In addition to data, we need knowledge”

Housing. Jordi Bosch, Elena Sánchez and Dáithí Downey discussed the importance of transparency and access to public data for the...

24/11/2021 - 10:02

“We already know we do not have enough affordable housing: now is the time to decide what we can do about it”

Housing. Florian Schmidt, Ian Brossat, Lucía Martín, Barbara Steenbergen and Ricky Burdet described the best experiences of Berlin,...

15/11/2021 - 10:56

Everything you need to know about the FHAR 2021

Housing. Below we introduce the main speakers and the themes to be discussed at this year’s edition.

02/11/2021 - 15:38

The registration process for attending the Barcelona Housing and Rehabilitation Forum is now open

Housing. On 23 and 24 November, international experts will debate on how to increase affordable housing.