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.​

Barcelona Energia, public distributor of 100% certified renewable energy

19/01/2021 - 17:29

Barcelona Energia. Personalised service and the range of tariffs allow for savings of up to 34% off the cost of electricity bills.

Barcelona Energia is a metropolitan distributor of 100% renewable energy certified by the CNMC, created to move towards energy sovereignty and promote a fairer, more efficient, sustainable and transparent energy market. BE is managed by Tersa, a public environmental services company, with Barcelona City Council the majority stakeholder.

Barcelona Energia flicked the switch and started operating on 1 July 2018, becoming the largest 100% public supplier of renewable energy in the state. Two and a half years on, the service reaches 36 municipalities, supplies 2,800 homes and businesses and 4,700 municipal power points, including streetlights, public housing, facilities, offices and markets in Barcelona. The savings in public spending in Barcelona alone equate to 1,300,000 euros. In addition, demand for the service continues its upward trend and grew by 82% in 2020.

Barcelona Energia was set up to lead the transition to energy sovereignty in the city and break the dependency on the electric oligarchy; to back the generation of locally produced renewable energy and to avoid greenhouse gases resulting from the energy used in transportation; and to foster more responsible and rational use of electricity.

With these goals, the distributor promotes the self-generation of solar energy, offers advice to users to achieve greater efficiency in consumption and features a user assembly where associations which defend people’s interests also take part. In addition to this control and transparency mechanism, Barcelona Energia, as a public company, is governed by the Transparency Act and all its information is publicly available.

100% certified renewable energy

Barcelona Energia distributes electricity with a 100% renewable origin, certified by the National Commission for Markets and Competition (CNMC), through a system guaranteeing origin. These guarantees offer official certification by an independent body the origin of the energy distributed by BE and that it is 100% renewable.

Specifically, the energy supplied by BE comes from the metropolitan biogas plant, providing a combustible gas generated by the biodegrading reaction of organic materials, located in the Vall d’en Joan, and from all the City Council’s solar panelling installations. The rest of the energy needed to cover demand is purchased from the producers of renewable energy through a public tender process, according to the current legislation. In 2020 the tender was won by the company Factor CO2, in 2019 by the distributor Gnera Energia and in 2018 by Endesa Energia.

Who runs BE?

The public environmental services company Tersa, which operates in the Barcelona metropolitan area, manages Barcelona Energia.

The company is mainly municipally owned, with the City Council having a holding of 58.64% and the Barcelona Metropolitan Area 41.36%. As a result, Tersa’s management of BE does not require a public competition as it is assigned to a public environmental services company in which the City Council has a majority holding and complies with all current regulations.

Tersa also manages the municipal solar panelling installations and the biogas energy exploitation plant which supplies Barcelona Energia. In addition, it produces energy at a waste recovery plant, where part of the waste is incinerated to produce electricity. The energy produced at the plant, in contrast to power from biogas, is not supplied through BE because it cannot all be considered of renewable origin.

Personalised service and cheaper renewable pricing

Barcelona Energia has the vocation of offering a quality transparent local service, with citizen empowerment taking priority over financial benefits. The distributor has not increased its pricing in January 2020.

To achieve its goals, the personalised advice offered is aimed at improving the efficiency of user consumption and adapting the pricing to the type of consumption of each family or business. This personalised advice and the range of prices allows for savings of up to 34% on the cost of bills, particularly among businesses which haven’t changed their contract in the last twelve months. In the last annual survey, 86% of participants rated the service as excellent.

Among the tariffs for household users, Barcelona Energia offers the cheapest pricing for 100% renewable power through its variable rate. This is the most transparent type as it allows users to pay for power at the real market price and save on the cost of safety margins charged with fixed-rate tariffs. It also fosters residential self-consumption, one of the main goals of the distributor for promoting renewable energy, with the solar tariff. This is also one of the options for businesses and SMEs, which can choose from various rates depending on their needs.

The metropolitan distributor cannot offer the social discount, as the current state regulations only allow this through a selection of distributors. Even so, as BE is not profit-driven, if a case is identified where a BE user is entitled to the social discount, they are offered advice to refer them to the authorised companies so that they can benefit accordingly.