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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.​

Day to day shopping in the neighbourhood

06/04/2018 - 16:51

Commerce. Some 94% of Barcelona residents usually shop for groceries at shops and markets in their local neighbourhood.

Some 94% of Barcelona residents buy their day to day groceries at shops and markets in their local neighbourhood. The report on consumer habits and commercial hubs shows the healthy state of neighbourhood commerce, with a diverse and specialised range of goods and services, as well as a tendency to shop less frequently: only 12.4% of those surveyed go shopping every day, five per cent less than in 2012.

Shoppers opt for different types of establishment according to which foodstuffs they buy: meat is mainly bought at markets (35%), as is fish (44%), while fruit and vegetables are bought at greengrocers (50.3%) and longer-life products and drinks at supermarkets (80%).

When it comes to non-foodstuffs, the highest consumption corresponds to chemists (98.4%), drugstores (92.9%), herbalists (81.2%), florists (81.6%) and books, newspapers and magazines (81.2%).

The most common reasons for going to other city neighbourhoods to make purchases are for music (56.9%), games and sport (44.6%), IT and telephony (38.7%) and clothing (36.5%). Consumers only go as far as other municipalities to purchase furniture or decorative items.


The report shows a comeback by municipal markets following the decline experienced between 2007 and 2012, while specialist shops remain stable after their rise between 1997 and 2012. Shopping at hypermarkets continues to slide.

Online shopping shows a year on year rise of over 10%, with 26.5% of people purchasing online at least every fortnight, even though 62.7% of the population still never shop via internet.

In terms of shopping habits, 75% of those who usually do the shopping are women and normally fill their cupboards in a single weekly shop up (43%). Some 70% of those surveyed have no fixed day for shopping, but those who do mainly do so in the week, in the most cases on Friday (31.2%). Some 19.8% do their shopping on Saturdays and only 2.6% do so on Sundays.


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