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.​

Come and see the new housing book promoted by the Barcelona City Council
22/03/2023 - 14:29

Come and see the new housing book promoted by the Barcelona City Council

Housing. Next Wednesday, March 29 at the Biblioteca Gabriel García Márquez in the city, will be presented the book HABITATGE....

17/03/2023 - 20:28

A book on strategies to promote social housing

Housing. The book ‘Gestar-habitar’ looks at different municipal housing projects.

We invite you to the open house of the new public housing units in Maresme-Puigcerdà and Torre Baró
14/03/2023 - 16:23

Sign up for open houses at new public housing units in Maresme-Puigcerdà and Torre Baró

Housing. Sign up and visit, on March 24 and 25, two models of newly built public housing, corresponding to two different developments...

14/03/2023 - 14:21

Public acquisition of 170 flats to prevent their privatisation

Housing. The three blocks acquired will become part of the public housing stock.

13/03/2023 - 16:15

Do you live in Nou Barris? Come to the information sessions on public housing in the district

Housing. The Barcelona City Council will present, through two meetings scheduled on March 15, and 21, the actions being developed in...

06/03/2023 - 12:02

Barcelona City Council delivers the keys to 17 housing units with services for the elderly

Housing. The homes, designed to accommodate people over 65 years of age, are part of different developments and are distributed in...

06/03/2023 - 11:17

Barcelona City Council hands over the keys to the neighborhood of the new social housing development in Sant Martí

Housing. The building at c. Lluís Borrassà, consisting of 54 social rental housing units, is another example of the council's...

The Emergency Board hands over the keys to housing to nine families in Barcelona
06/03/2023 - 11:01

The Emergency Board hands over the keys to housing to nine families in Barcelona

Housing. The Barcelona Housing Consortium delivers, every month, housing from the Social Rental Fund to families in vulnerable...

03/03/2023 - 16:01

Residents move into the cooperative building La Xarxaire!

Housing. The model fosters anti-speculative housing with a social function.

The COAC will host the presentation of the social housing book 'Gestar-Habitar'
01/03/2023 - 14:52

The COAC will host the presentation of the social housing book 'Gestar-Habitar'

Housing. Next Friday, March 17 at 5:00 pm will take place the presentation of the book written by Caterina Figuerola and Ibon Bilbao,...