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.​

Raffling off the remaining houses in Bon Pastor

28/06/2023 - 10:50

Housing. The procedure for assigning 163 surplus homes in the neighborhood of Bon Pastor reaches its final phase with a lottery that will determine the recipients.

The Barcelona City Council, through the Municipal Institute of Housing and Renovation (IMHAB), has held the lottery this Friday, June 30th, starting at 12:30 PM. This lottery has determined the households that will benefit from one of the 163 remaining homes in Bon Pastor, after the relocation of families affected by the neighborhood’s urban renovation.

After the final lists of applicants who are eligible for a home in this process have been formalized, a lottery conducted by a notary public has determined the selected individuals. The lottery can be followed by streaming and can be seen again at this link.

The lottery have been done separately, with as many draw as there are final lists of applicants, and both the prior system of random assignment of participation numbers in the lottery and the number extraction follow a computerized procedure endorsed by the Expertise Commission of the Official College of Computer Engineering of Catalonia.

Below, you can consult the regulatory rules for this procedure, which detail the common and specific requirements of the call, the typology of protected housing, the operation of the lottery, the allocation of homes, and other relevant information. You can also consult the final result of the review process of the allegations presented in the provisional list, the definitive list of persons admitted to the lottery, approved by decree no. 122/2023 of the presidency of the IMHAB, dated 16 June 2023, as well as the list of successful applications in the lottery.

Regulatory bases

The definitive list of persons admitted to the lottery

Result of the admitted and rejected allegations

Floors allocated to each contingent

List of successful applications in the lottery

In 2003, the Barcelona City Council and the Bon Pastor Neighborhood Association signed an agreement for the renovation of the affordable housing complex in Bon Pastor, planned in four phases. Currently, the fourth and final phase is underway, which includes the construction of five blocks with a total of 244 housing units.