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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.​

Agreement for fourteen homes to be used by social inclusion entities

15/10/2019 - 12:44

Inclusion. The homes are in a building in C/ Encuny, in the neighbourhood of La Marina del Prat Vermell.

Eleven social inclusion organisations will manage these homes in a building in C/ Encuny, in the neighbourhood of La Marina del Prat Vermell. The City Council acquired the building to add the homes to the public housing stock and make them available to people at risk of social and residential exclusion.

The period of use for the homes is being extended for a further three years and they will be managed by the entities. All the homes will be used for social inclusion programmes for people in situations of exclusion, who entities are working with towards reinsertion.

The organisations which have signed the agreement are: Associació Benestar i Desenvolupament (ABD), Associació Prohabitatge, Atra Associació, Federació Plataforma d’Entitats de Persones amb Discapacitat del Districte de les Corts, Fundació Esclat Marina, Fundació Institut per la Promoció Social i la Salut (IPSS), Fundació Privada Centre d’Higiene Mental les Corts, Fundació Privada Els Tres Turons, Fundació Privada Ficat, Fundació Sant Pere Claver and Som – Fundació Privada Catalana Tutelar.

The building in Carrer de l’Encuny

Barcelona City Council acquired the building of 114 protected flats at C/ Encuny, 7, in the neighbourhood of La Marina del Prat Vermell at the end of 2018. The building was owned by the entity Proviure CZF Parc d’Habitatges, a company formed by the BBVA (50%) and the Zona Franca Consortium (CZF) (50%). At the time it was purchased there were 56 homes with tenants with current contracts and 58 empty flats. The building also has ground-floor commercial premises and 76 parking spaces.

Since purchasing the building, the City Council has subrogated the 56 existing rental contracts (although one of these homes later became available) and drawn up 34 new contracts, 27 of them corresponding to the Emergency Committee, 6 to special contingents and one for another tenant. The rest of the vacant homes (11 in all) are in the process of being allocated to the Emergency Committee, to general and special contingents, the Inclusion Committee and others affected.


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