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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 sustainable housing industrial production working group meets to address future challenges

30/11/2023 - 09:50

Housing. The meeting has served to review the steps taken to date, identify areas for improvement, and discuss the future of sustainable industrial housing production in the city.


The working group on sustainable industrial housing production of the Social Housing Council of Barcelona (CHSB) has gathered at the Casal de Gent Gran Verneda Alta to analyze and reflect on the successes and areas for improvement in everything done so far. Attendees have expressed their opinions, shared their concerns, and presented future perspectives regarding the industrialization of public housing in Barcelona.

During this meeting, a roundtable discussion was held with the participation of experts in the housing sector: Gerard Guerra (architect from the Municipal Institute of Housing and Renovation of Barcelona), Ignacio Paricio (architect and emeritus professor at ETSAB-UPC), Ferran Bermejo (technical director of ITEC), Magda Blázquez (technical architect and technical director of CompactHabit), Miguel Morte (architect and technical office manager of CompactHabit), and Elena Cartes (architect and product manager of Hormipresa), as well as various entities, companies, and political groups that are part of the working group.

A visit was also made to the two industrialized developments currently under construction by the Municipal Institute of Housing and Renovation of Barcelona (IMHAB). They are located at 22 Binéfar Street and 13 Lola Iturbe Arizcuren Street, both in the Verneda i la Pau neighborhood (Sant Martí district).

The first development consists of 24 designated homes and a space for facilities, while the second comprises 40 designated homes and a space for facilities.

The final results of these constructions, closely monitored by this working group, will be seen in the coming months.

The Barcelona Sustainable Industrial Housing Production Working Group

This group was created in 2017 to address the slow production of public housing openly and with the involvement of a variety of actors, seeking together ways to improve and accelerate sustainable housing production.

Among its objectives is to assess unmet demand and seek solutions to address it, as well as to share experiences and valid precedents used in other regions and European cities.