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.​

Càtedra Barcelona d'Estudis d'Habitatge
03/06/2021 - 16:27

Creation of the first inter-university chair on housing

Housing. The agreement is between the public administrations and the city’s four universities.

28/05/2021 - 12:35

People living in rental homes are among those most affected by the Covid-19 crisis

Housing. International experts discussed affordable rents at the Eurocities WG Housing Meeting.

27/05/2021 - 16:59

Barcelona intensifies its collaboration with the tertiary sector to promote affordable housing

Housing. Promotion for the first co-housings for senior citizens and persons with intellectual disabilities and the first rental...

sostenibilitat, sostenible, Barcelona, habitatge
27/05/2021 - 16:57

Cevasa-Neinor the best-placed company to assume 50% of Habitatge Metròpolis Barcelona

Housing. The governing board for HMB, made up of the City Council and the Barcelona Metropolitan Area, is seeking a private partner...

Habitatges per a Joves Can Fabra
20/05/2021 - 14:45

Can Fabra, a finalist in the 2021 FAD Architecture Prizes

Housing. The project of the Roldán Berengué Arquitectes studio has been acknowledged for giving a new life to the old factory and for...

14/05/2021 - 14:36

Public housing as the key to building the future

Housing. A record figure of 34 developments and 2,329 flats are currently under construction in the Barcelona.

habitatge, dret a l'habitatge, lloguer, lloguer assequible, habitatge assequible, finançament, Barcelona
10/05/2021 - 12:46

Thirty cases brought for non-compliance with the law regulating rent prices

Housing. Fines for housing advertising platforms and property management companies.

30/04/2021 - 16:33

More funding from the European bank to build more public housing

Housing. An additional eighty million euros to build housing with affordable rents.

29/04/2021 - 17:03

More public housing in Nou Barris

Housing. Work starts on a block of 67 protected flats in Trinitat Nova.

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...