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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03/10/2021 - 10:00

Second edition of the Barcelona Housing and Renovation Forum

Housing. Experts of the sector will meet on November 23 and 24 to reflect on the right to housing.

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"Evictions are an act of structural violence directed at very vulnerable people"

Housing. Representatives of social organisations discuss at FHAR the need to respond to the social emergency and explain the work...

21/03/2019 - 08:25

"With intergenerational housing, everyone wins"

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21/03/2019 - 08:12

"Administrations need to incentivise flat owners in order to increase affordable housing"

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20/03/2019 - 21:05

The FHAR welcomes the presentation of diverse projects for the creation and renovation of public housing

Housing. Three projects that aim for flexibility, modular construction and community spaces: the finalists of the BCN-NYC Affordable...

20/03/2019 - 08:06

"We are in a new cycle of dispossession in which tenants are expelled to hand housing and cities over to vulture funds"

Housing. A debate with architect and ex-relator of the UN Raquel Rolnik, councillor Josep Maria Montaner, and journalist Cristina...

18/03/2019 - 14:44

Registration for the Barcelona Housing and Renovation Forum closes with all seats sold out

Housing. 40 national and international experts will discuss present and future challenges in housing

12/03/2019 - 16:44

International experts to participate in the Housing and Renovation Forum of Barcelona

Housing. Journalist Cristina Fallarás and architect and ex-relator of the UN Raquel Rolnik will participate in the inaugural round...

22/02/2019 - 13:57

Registration open to attend the Barcelona Housing and Renovation Forum

Housing. National and international experts will gather on the 19th, 20th and 21st of March to discuss the present and future of...

14/02/2019 - 14:00

Barcelona organises a forum to discuss the present and the future of housing in the city

Housing. The Housing and Renovation Forum of Barcelona will be held on March 19, 20 and 21 at the MACBA and will have the...

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