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.​

22/12/2023 - 13:53

The Barcelona City Council hands over the keys to 76 publicly rented apartments in the Marina del Prat Vermell

The initial 76 families on Cal Cisó St, 49-59, and Pontils St, 10, now have keys for new homes this Christmas. In the coming days, the rest will also...

13/12/2023 - 16:06

The City Council and SAREB agree to the transfer of up to 200 homes from the entity for social rental.

The parties signed a new agreement that includes the incorporation of about twenty new homes. The agreement, potentially involving up to 200 homes,...

04/12/2023 - 09:52

The Barcelona City Council hands over the keys to 54 public rental homes in Bon Pastor

The 54 winning families can now move into their new homes located at 2-10 Novelles Street in the Bon Pastor neighborhood (Sant Andreu district). The...

30/11/2023 - 09:50

The sustainable housing industrial production working group meets to address future challenges

Housing. The meeting has served to review the steps taken to date, identify areas for improvement, and discuss the future of...

28/11/2023 - 13:27

The Barcelona City Council makes a new delivery of eleven keys to emergency housing units

Housing. Eleven families in the city, beneficiaries of the Emergency Board, received the keys to their new homes this Tuesday in the...

15/11/2023 - 16:51

Three new municipal sites leased for non-profit organisations to build public housing

Housing. The renovation of a housing block in Barceloneta, the construction of a block in Trinitat Nova, and the construction of a...

15/11/2023 - 15:03

Barcelona City Council signs a new right of superficies for a housing project in Sant Martí

Habitatge. The Sant Martí district will have more social housing thanks to the development that will be built and managed by the...

Barcelona City Council signs the surface right of a new housing project in Gràcia
12/10/2023 - 13:03

Barcelona City Council signs the surface right of a new housing project in Gràcia

Housing. The project, located on Av. Vallcarca is managed by the Salas Foundation and the Nou Lloc Foundation and is part of the ESAL...

Twelve families signed the rental contract for housing units in Block G1 of Bon Pastor
11/10/2023 - 16:17

Twelve families signed the rental contract for housing units in Block G1 of Bon Pastor

Housing. These are the first households to receive the keys to a total of 163 remaining housing units in the Bon Pastor neighborhood,...

09/10/2023 - 11:59

Want to understand your gas bill? We can help you!

Housing. Understanding the key concepts on the bill and knowing whether we are in the regulated or free market helps us reduce our...