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.​

28/02/2020 - 11:42

Ada Colau meets with Minister Ábalos and demands an “urgent regulation” of rents

Habitatge. Barcelona City Council has created a Study Commission on the regulation of rent, which will begin meeting in March

rehabilitació finques vulnerables Pla de barris
21/02/2020 - 13:35

The Neighbourhood Plan allocates over 21 million euros to decent-housing initiatives

Neighbourhood Plan. The high-complexity properties programme is working with 116 local resident communities.

09/02/2020 - 13:04

Cohousing reaches La Marina

Housing. The first stone is laid for a building for 32 families through a leasehold agreement for a municipally owned plot of land.

La Xarxaire, Barceloneta, cohabitatge, Barcelona, habitatge
03/02/2020 - 19:14

Cohousing to combat speculation in Barceloneta

Housing. The first stone of a building providing homes for eight families is laid on a municipal plot of land under a leasehold...

31/12/2019 - 14:10

Property-tax exemption for public-housing tenants

Housing. The 95% tax allowance will come into force on 1 January 2020. The remaining 5% will be borne by IMHAB for the dwellings it...

21/12/2019 - 11:44

First fine for discrimination on the basis of origin in housing access

Housing. The fined advertisement, from the Idealista portal and The New House Barcelona estate agents, included the requirement for...

16/12/2019 - 18:29

First APROP temporary homes in Ciutat Vella ready to tackle the housing emergency

Housing. Twelve flats in the Gòtic neighbourhood, in Ciutat Vella.

13/12/2019 - 17:18

First invitation to tender for a housing block on the Casernes de Sant Andreu site

Housing. The development offers 152 flats with services for the elderly, along with ground floor premises for the Jaume Olle youth...

29/11/2019 - 12:02

New model to create more affordable housing with the private sector

Housing. The block of 47 flats will be built on a municipally owned plot of land in the Poblenou neighbourhood. Mediaurban (Grup...

01/11/2019 - 11:32

"Barcelona has put housing policies at the centre and this has had a contagious effect on other administrations"

Conference. The UNESCO Housing Chair of Rovira i Virgili University presents a transversal look at the current challenges for housing...