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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.​

First public housing development completed at the Espai Germanetes

12/12/2020 - 12:54

Housing. The project involved an investment of five million euros and will provide housing for some eighty people.

The first housing project at the Espai Germanetes, in the block in L’Eixample between C/ Comte Borrell, C/ Consell de Cent and C/ Viladomat, is now ready. The development consists of 35 homes, 30 of which have social rents, with the rest available for special circumstances and emergency situations for Social Services. The project required a municipal investment of five million euros.

The keys to the homes should be handed over to tenants in the coming weeks. The flats all have two bedrooms and have been allocated as follows: one adapted home, seven according to territorial criteria, three for single-parent families, nine for people under 35 and ten for families according to general criteria.

The block, with access at C/ Comte Borrell, 159, coincides with three other public housing projects. The keys to a block of thirteen flats with affordable rents at Via Augusta, 401-403, were handed over to tenants in November, while 49 adapted flats for the elderly at C/ Ali Bei, 100-102 (also in L’Eixample) will be made available early in 2021, along with 17 flats with affordable rents at C/ Cal Cisó, 50-58.

In all, the City Council has 73 public and protected housing projects in progress in the city: 15 have now been handed over to tenants, 20 are under construction and 38 are at the project stage.


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