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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.​

Welcome to the residents of a property acquired by the Barcelona City Council in Sant Martí

15/12/2022 - 14:11

Housing. Located on Navas de Tolosa Street, the 10-story building will be used for social rental housing.

The Barcelona City Council welcomed, this Wednesday, December 14, the neighbors of a new property acquired by the Barcelona consistory. After the last reception, held in mid-November in the Gòtic district of Ciutat Vella, this time the property is located in the district of Sant Martí.

The building, consisting of 10 apartments, is located on Calle Navas de Tolosa and has a built area of 696 square meters. The reception was headed by the Councilor for Housing and Renovation of the Barcelona City Council, Lucía Martín, as well as the manager of the Municipal Institute for Housing and Renovation of Barcelona (IMHAB), Gerard Capó.

Both stressed the City Council’s commitment to the acquisition of housing that promotes and extends social housing to all corners of the city, which among other benefits, allows tenants to pay affordable rent in a stable manner without having to suffer in case it ends up falling into the hands of a private entity.

The Sant Martí property was acquired through the right of first refusal system, which allows other private buyers who may also be interested in purchasing it to get a head start. In this case, the price at which the building has been acquired is below the market, specifically 44.5%.

The building, built in 1940, is currently home to seven families who, thanks to this operation, will be able to remain in the neighborhood, while the remaining three dwellings will become part of the public housing stock. Its structure consists of a first floor and five floors, forming a total of 10 dwellings, two per floor. All of them, intended for residential use, except the first floor, where there is a commercial space for the time being without activity. 

A strong commitment to social housing

The data show that the Barcelona City Council has consolidated its commitment to expand the public housing stock in recent years. Specifically, since June 2015 it has purchased a total of 1,367 homes, from the sum of 240 homes acquired individually and 946 homes from 44 entire estates acquired.