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.​

10/09/2020 - 17:19

The Parliament of Catalonia approves the Rental Price Regulation Law

Housing. The law enables rental prices to be frozen and reduced in 60 Catalan municipalities.

09/09/2020 - 15:53

Experts debate the competency framework and possible scenarios for the regulation of rent prices in the third session of the study commission

Housing. Most experts agree on the need to establish some kind of regulation and the debate has focussed on how to do it and the...

habitatge, decàleg de Barcelona pel dret a l'habitatge, habitatge assequible, dret a l'habitatge, Barcelona, Eixample, lloguer públic
08/09/2020 - 16:57

Barcelona ten-point declaration on the right to housing

Housing. Thirty city organisations are backing the ten measures set out in the document.

18/08/2020 - 16:37

Energy Advice Point inquiries increase by 10% during the health crisis

Energy rights. The first six months of 2020 saw over 17,000 people attended to. Most inquiries were about changing the electricity...

03/08/2020 - 14:05

The moratorium on the payment of instalments for public housing is extended for two months

The extension affects all premises managed by IMHAB and payment is deferred until 1 October.

31/07/2020 - 13:12

Adjudication of three new collective housing developments

Three cooperatives will construct new buildings in municipal plots located in the districts of Sants-Montjuïc, Sant Andreu and Nou Barris.

28/07/2020 - 10:44

Handover of keys to the apartments of a new development of 68 homes in the Llacuna neighbourhood of El Poblenou

The project has the highest energy classification and will provide an alternative of affordable housing for some 280 persons.

24/07/2020 - 08:33

The Barcelona Metropolitan Housing Observatory analyses the structure and concentration of housing ownership in the city

One-third of Barcelona’s rental housing stock belongs to large landlords

16/07/2020 - 15:54

Licences for 597 tourist flats revoked because of infringements to regulations

Housing. The plan to control the sector and protect the right to housing has cut the number of illegal lets from 6,000 to 300.

13/07/2020 - 20:01

New administrative mechanism to put empty flats in the city to social use

Housing. If the flats are not made available to rent within one month, measures such as fines or expropriation warnings will be...