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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.​

The COAC will host the presentation of the social housing book 'Gestar-Habitar'

01/03/2023 - 14:52

Housing. Next Friday, March 17 at 5:00 pm will take place the presentation of the book written by Caterina Figuerola and Ibon Bilbao, which analyzes the different strategies developed in Barcelona to promote social housing.

How is the expansion of the public housing stock in the city of Barcelona being developed, what tools does the City Council have at its disposal to achieve this, what alliances are needed to move forward, what role does innovation play… These are some of the issues that can be seen in the book ‘Gestar-Habitar’, co-published by the Barcelona City Council and the Architects’ Association of Catalonia (COAC), which will soon see the light and whose authors are Caterina Figuerola and Ibon Bilbao. 

The new publication will be presented next Friday, March 17 from 17:00 hours, in an event organized by the COAC and the City Council of Barcelona, which will take place precisely in the Assembly Hall of the headquarters of the COAC. All those interested in attending can register for free at this link.

The presentation, moderated by El Periódico’s journalist Analía Plaza, will mainly consist of a round table led by the mayor of Barcelona, Ada Colau, who will share a debate with one of the two authors of the book, Caterina Figuerola, and the dean of the COAC, Guim Costa.

A choral vision of social housing

The significant transformation of the public housing stock in all districts of the city of Barcelona, through the implementation of strategies such as construction, capture and purchase, and the wide diversity of housing typologies that are being promoted are the starting point of the book, which exposes and analyzes the different strategies that the City Council has carried out in recent years to achieve these results.

To do so, the publication gathers several projects that exemplify the maximum number of working methodologies, programs, and innovative proposals, while guaranteeing their architectural quality.

Throughout the pages, moreover, the book becomes a loudspeaker for the different participants who play a role in the gestation and inhabiting, and who express themselves in multiple ways: through drawings, plans, renderings, photographs, reflections, debates, witnesses, among others. An exhibition that, in short, allows us to get to know the broad spectrum of figures involved in the promotion and development of social housing in a city of Barcelona’s dimensions.