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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.​

Follow the FHAR live!

22/11/2021 - 12:08

Housing. We present the sessions of the 24th, which you can follow in streaming through the FHAR website.

The Barcelona Housing and Renovation Forum presents different round tables and presentations to discuss the right to housing and the new challenges that arise. Throughout the day, national and international experts in the sector will reflect on new models of collaboration to increase affordable housing. Below, we present the sessions, which you can follow live by streaming through the FHAR website.

09:30-10:00h | The ‘Housing 2030’ initiative in Europe
With Julie Lawson (Honorary Associate Professor, Housing Studies, Centre for Urban Research – RMIT University, Australia).
Link to the streaming.

10:00-11:00h | European collaboration models

With Hannah Emery-Wright (Communities Manager – London CLT), Emily Marion Clancy (Vice Mayor – Bologna City Council) and Robin Van Leijen (CEO – Aedes).
Moderator: Sorcha Edwards (Secretary General – Housing Europe).
Link to the streaming.

11:30-11:45h | Housing Metropolis Barcelona (HMB)
With Javier Burón (Manager of Housing and Rehabilitation – Barcelona City Council).
Link to the streaming.

11:45-12:45h | The commitment to delegated promotion between the public and private sector
With Javier Burón (Manager of Housing and Rehabilitation – Barcelona City Council), Anna Gener (CEO – Savills Aguirre Newman) and Borja García-Egotxeaga (CEO – Neinor Homes).
Moderator: Clara Blanchar (Journalist – El País).
Link to the streaming.

12:45-13:00h | The City Council’s alliance with social and cooperative housing entitie
With Vanesa Valiño ( Head of cabinet of Barcelona City Council’s Housing Department – Barcelona City Council).
Link to the streaming.

13:00-14:00h | Public-community collaboration between non-profit organizations and Barcelona
With Vanesa Valiño ( Head of cabinet of Barcelona City Council’s Housing Department – Barcelona City Council), Laia Forné Aguirre (Member – La Hidra Cooperativa), Manel Rodriguez (President of the Fundación Salas – and Representative of Cohabitat) and Gloria Rubio (Coordinator – La Dinamo Foundation).
Moderator: Gemma Tramullas (Journalist – El Periódico).
Link to the streaming.

The FHAR is organized by the Barcelona Municipal Institute of Housing and Renovation and is part of the cycle of conferences promoted since 2016 to reflect on the future challenges of the sector.

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