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.​

Barcelona City Council housing workers receive training on new law regulating rents

10/04/2024 - 14:19

Housing. The aim of the meeting was to clear up any doubts in order to improve the service provided by the Housing Offices, with the help of two experts in the field who explained the changes resulting from the application of Law 12/2023.

Since its enactment about a year ago, the new Law 12/2023 on the Right to Housing has brought about significant changes that affect both owners and tenants. Whenever a law is amended, it inevitably raises questions, especially with reforms of this magnitude. In addition, the implementation of the reference index for the regulation of rental prices further complicates matters.

For this reason, Barcelona City Council has organised training sessions to explain the most important aspects of renting in Barcelona. This Monday, April the 8th, the session, presented by the architect and communicator Núria Moliner, was aimed at housing professionals, who were able to learn first-hand about legislative updates and deal with specific cases of application. This initiative aims to improve the services offered by the Housing Offices of Barcelona City Council.

The legal developments of Law 12/2023 on the right to housing

Lawyers Pablo Feu and Elga Molina explained the specific changes brought about by the new regulations.

Feu began by emphasising that Law 12/2023 contains many interpretations “that do not have an easy solution” and that Catalan housing law has had to adapt to this fundamental state law (for example, regarding the definition of ‘owner of multiple properties’). He also highlighted the difficulty of certifying whether an owner is a multiple-property owner and whether a tenant is in a vulnerable situation.

For her part, Molina focused on doubts about the rent cap, which is not clearly defined in the law, and argued that clarifying it was crucial to determining whether the new regulations should be applied. She also raised other questions that do not have easy answers.

The expert clarified that an owner of multiple properties does not necessarily have to have more than 10 apartments in the same city; all properties located in one of the 140 municipalities declared as a stressed market area are counted.

Finally, she emphasised the importance of having the current contract at hand when renewing to ensure that the new contract does not include any additional fees or expenses prohibited by Law 12/2023.

Examples of specific cases

In the final part of the session, Maria Romero and Anna Vázquez, lawyers from the Housing Offices of Nou Barris and Sant Andreu respectively, discussed and illustrated some of the real cases they are working on and the procedures they follow.