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.​

Airbnb ordered to remove a thousand ads for illegal tourist lets

08/12/2020 - 09:14

Housing. Holiday rental platforms have been ordered to take down 11,714 adverts since 2017, of which 9,770 were on Airbnb.

As part of the municipal action taken under the shock plan to control illegal tourist lets, Airbnb have been told to immediately take down 969 ads for flats which do not comply with regulations and which are therefore operating illegally.

Out of the 969 ads detected, 524 are offering whole flats without licences or with false licences. The other 445 are being advertised as rooms but are actually offering whole flats divided into rooms or bedrooms with services which hide their real activity as a hostel or pension. Over half the ads are for homes in the districts of Ciutat Vella (420) and L’Eixample (273).

Barcelona City Council has been working for some time on stopping illegal flats being advertised on the internet. Holiday rental platforms have been ordered to take down 11,714 adverts since 2017, of which 9,770 were on Airbnb. In other words, more than 8 out of 10 correspond to this platform.

Balance for the shock plan

The measure corresponds to the shock plan initiated in 2016 to put the brakes on the number of illegal tourist lets, which was out of control at that point. In all, 16,993 disciplinary cases have been brought since then, resulting in 7,194 orders to cease activity and 8,740 fines.

In addition, 2,176 flats which were being illegally rented out to tourists are now being used as regular housing, either because they have been put on the rental market or because their owners have moved into them. Regarding legal tourist lets, some 908 fines have been given for flats with licences due to inconvenience caused to local residents.

If you believe there are unlicensed tourist flats in your building, you can notify the City Council at: https://meet.barcelona.cat/habitatgesturistics.