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.​

03/10/2021 - 10:00

Second edition of the Barcelona Housing and Renovation Forum

Housing. Experts of the sector will meet on November 23 and 24 to reflect on the right to housing.

01/10/2021 - 11:55

REHabilita commits to a new “green” rehabilitation model focussed on the citizenry and the improvement of the economy

Housing. The Next Generation Funds were one of the key themes of the Renovation Week held from September 27 and October 1.

21/09/2021 - 15:16

Work to transform Passatge de Sigüenza and create protected housing in Horta-Guinardó

Urban planning. The execution of the urban plan for the Carmel neighbourhood moves forward with the demolition of three properties in...

Habitatge, Habitatge públic, Dret a l'habitatge, Barcelona
15/09/2021 - 14:34

Regulation of housing rents in the city approved for five years

Housing. The Full Council gives the go ahead to declare Barcelona as an area with a tense housing market, according to the Catalan...

14/09/2021 - 14:58

‘Rehabilita’ renovation week to be held from 27 September to 1 October

Housing. This year’s edition centres on the Next Generation funds and promoting renovation in the post-Covid recovery.

06/08/2021 - 09:21

45,000-euro fine for a case of housing-access discrimination

Housing. La multa recau sobre la propietat del pis i la immobiliària que el comercialitzava, que van impedir llogar-lo a una persona...

02/08/2021 - 16:14

Sant Martí is to have 151 new social dwellings built using an industrialised method

Housing. These are four promotions in all which will be bringing new homes to more than 350 people.

31/07/2021 - 10:07

More social housing in Barceloneta

Housing. Eleven flats will be added to the municipal housing stock.

28/07/2021 - 16:47

Barcelona to be the international epicentre for architecture in 2026

Urban planning. The Catalan capital also hosted the World Architecture Congress in 1996.

Panoràmica nocturna Barcelona
28/07/2021 - 12:29

Barcelona continues as a tense housing market area

Housing. From September the approval will come into force and will enable rental prices in the city to be regulated in accordance...

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