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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.​

Discover the exhibition on cohousing with a guided tour

17/02/2023 - 13:23

Housing. On Tuesday, February 28 at 6 p.m., the headquarters of Coòpolis (C. Constitució, 19) will host a guided tour, with free registration, to learn about the particularities of cooperative housing, very visible in Barcelona.

To learn more and better about an emerging housing model such as cooperative housing in the cession of use or cohousing, which has taken root strongly in the city in recent years, the Barcelona City Council organizes a guided tour of the exhibition that hosts the headquarters of the Ateneu Cooperatiu de Barcelona (Coòpolis), in C. Constitució, 19, Block 8. The visit will take place next Tuesday, February 28, starting at 18 hours, and is commissioned by the architects’ cooperative Lacol and the Barcelona City Council. All those who wish to attend must register in advance, free of charge, through this link

“Living in community in housing cooperatives of transfer of use in Barcelona” is the name that heads this exhibition, which since mid-December can be visited at the headquarters of Coòpolis from Monday to Friday from 9h to 19h. An opportunity to learn about a housing model that has spread in the city with about twenty projects, distributed in different districts, which include more than 400 homes created with this format. 

The particularities of the model and the projects hosted by the city will be some of the highlights that will be explained by one of the architects of the project and a member of La Borda, one of the housing cooperatives of reference in the city and that in 2022 was recognized with the Mies van der Rohe Emerging Architecture Award granted by the European Union.

Housing to build community

Compared to more classic and standard housing models, cohousing is committed to community living, with housing that helps to combat loneliness and individualism. A collective way of living and sharing the same living space which, among other advantages, guarantees access to decent and affordable housing, maintains public ownership of the land, prevents housing speculation, and favors stability over time for users. 

The characteristics of this model require the self-organization of the people who make up the cooperatives, undoubtedly one of the most enhanced values. A model that, after all, conceives housing as good for use, and not as good to speculate and profit from. So much so that members can use their housing for 75 years, extendable to 90, and it is the cooperative that builds/rehabilitates and manages the housing. At the end of this period, the property becomes municipal property.