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.​

The International Festival of Social Housing 2023 in Barcelona gets underway

02/12/2022 - 11:01

Housing. The Barcelona City Council and Housing Europe are already preparing the fourth edition of this event, which will take place in the Catalan capital from June 7 to 9 next year with public housing policies at the center of the debate.

Barcelona will continue to be a protagonist in terms of housing in the international arena in 2023. The Catalan capital will host the fourth edition of the International Social Housing Festival (ISHF), which will take place from June 7 to 9 and on which Barcelona City Council and Housing Europe, the European federation of public, cooperative, and social housing, are already working together. Barcelona will pick up the baton from Helsinki 2022, most recently, as well as the first editions held in Amsterdam 2017 and Lyon 2019.

Currently, many cities around the world are facing challenges that require a complex, consensual and multi-skilled response, such as the renovation of housing from an ethical and environmental perspective; the expansion of the public housing stock; immediate attention to the housing emergency suffered by many families; and access to housing for young people, among many others.

A panorama that, despite all the obstacles, forces us to reconfigure housing systems to make them more egalitarian, sustainable, and resilient. And, in this sense, the public sector has to develop a decisive role for a better future, after the setback it has suffered in recent years in terms of regulation and provision of housing, in favor of the private market.

A major challenge where ISHF 2023 wants to play a leading role, and where lessons to be learned from public housing policies in countries with both advanced housing systems and others with emerging models will be analyzed, debated, and proposed. And, to do so, the event will be attended by experts and professionals from Europe, Asia, Latin America, and North America.

An opportunity to be heard

The ISHF is a collaborative process that draws on the initiative and participation of many different actors. Therefore, until January 24, the call for proposals to organize events within the ISHF itself is open, whether promoted individually or together with other partners. Once submitted, the Technical Secretariat of the organizing body will review each proposal to find the ideal format and space, while contacting organizations that have made similar proposals in case they want to collaborate.

The choice of Barcelona as the venue for the ISHF 2023 is in addition to the trajectory developed this year, where it hosted the European Network for Housing Research (ENHR) from August 30 to September 2 and, more recently, the Barcelona Housing and Rehabilitation Forum (FHAR), on November 28 and 29.

For more information on this new international event, you can consult the ISHF website, follow the official account on Facebook and Twitter, where the hashtag #ISHF2023 is already visible, as well as subscribe to the newsletter so as not to miss any news.