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.​

Learn about housing renovation grants with the Nou Barris information sessions

10/02/2023 - 12:55

Housing. During February and March, the Barcelona City Council will present to interested citizens the different aids for the renovation of buildings, coming from the European Next Generation funds.

The Barcelona City Council, through the Municipal Institute of Housing and Renovation, will hold four information sessions open and free to all citizens, which do not require registration, during February, with financial aid for the renovation of housing as the subject of analysis. Specifically, the first of the meetings will be on Tuesday 14 at 18 hours in the Plens Nou Barris Hall, while the second will take place on Thursday 23 at 18 hours in the Casal de Barri de Verdum, and the third, on Tuesday 28 at 18 hours in the Centre Cívic of the North Zone. The fourth and last one will be on Tuesday, March 7 at 18 hours at IES Besòs (Sala Magna), at c. Josep Pla, 56.

Four sessions aimed at the neighborhood of the southern area of the district (Turó de la Peira, Vilapicina i la Torre Llobeta, Can Peguera i Guineueta), the central area (Canyelles, Verdum, la Prosperitat i les Roquetes) and the north area and Trinitat Nova. This a good opportunity for citizens who wish to know firsthand the different aids for renovation currently offered by the City Council of Barcelona.

Environmentally conscious renovations

In recent years, Barcelona City Council has made a firm commitment to the intervention and improvement of buildings throughout the city, partly as a solution to the lack of available housing for citizens. Thanks to the economic injection provided by the European Next Generation funds, the City Council currently offers up to four lines of aid that can cover up to 80% of the renovation investment. The aid is aimed at the structure of the building itself, improvements in housing, the implementation of the building book, as well as even a set of houses in the same neighborhood.

A range of lines of action shows that Barcelona is a reference in this field at the state level and that it open new alternatives in the future. In addition to improving the daily comfort of citizens, renovation measures are increasingly having an impact on energy efficiency, both inside homes and in buildings as a whole.  

In this sense, emphasis is being placed on the importance of collectivizing the renovation process and involving all the people who make up the community of neighbors. A dynamic that has to allow the creation of a more circular model, walking towards decarbonization, and thus generating a community that allows energy sharing, even among several neighboring buildings.

Beyond the information sessions organized in the different districts, the City Council offers a citizen service through the Municipal Renovation Office (ORM), which has the resources to inform, assist and process the renovation aid that citizens wish to implement. In addition, as a prior step to carrying out any action, the IMHAB website has a renovation simulator, an open consultation space that offers key information on the state of the city’s buildings, their potential for improvement, and the possibility of applying for Next Generation fund subsidies.