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.​

07/06/2016 - 21:17

The design of 300 public rental flats in Glòries is put out to tender

Housing. City Council is to hold an international architecture contest, with terms and conditions which have been agreed with local...

30/05/2016 - 13:58

A new public call for tenders to boost cohousing

Housing. City Council is to make six plots of land available to cooperatives to build 115 flats.

04/05/2016 - 08:55

Are you familiar with the services offered by the Housing Office Network?

Housing. Each district has an office offering advisory services, renovation grants, administrative support and housing pools.

02/05/2016 - 19:01

Colau: “Using law 24/2015 we've stopped 639 evictions and we’re not backing down”

Municipal. City Council is working with the those behind the emergency housing law to guarantee the right to housing following the...

27/04/2016 - 20:55

‘Qüestions d’habitatge’, an exhibition promoting social housing among future architects

Housing. The Barcelona School of Architecture and the Municipal Housing Trust have signed a collaborative agreement to promote...

17/04/2016 - 13:48

Barcelona to get 530 new social housing flats

Housing. City Council has started the process to turn seven plots of public land into 530 social housing flats and municipal...

13/04/2016 - 12:03

Fines for property companies for having carried out evictions without offering alternatives

Housing. The law on the housing emergency means those owning extensive pools of property must offer social rent options to vulnerable...

02/04/2016 - 16:44

Defending housing as a right

Municipal plan. Over a hundred city residents took part in the debate on housing and put forward proposals.

29/02/2016 - 13:59

City Council allocates 236 million euros for the renovation of buildings

Housing. The new grant call contemplates interior and exterior work to housing and entails measures to improve quality of life for...

19/01/2016 - 18:38

A new unit is set up to take preventative action against evictions

Housing. The unit will be made up of a team of 13 professionals to negotiate with owners and coordinate the municipal services...

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