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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.​

Four facilities to be transformed to care for patients with Covid-19

26/03/2020 - 21:05

COVID-19. Conversion work gets under way to provide temporary care centres for up to six hundred patients.

In an effort to decongest hospitals during the Covid-19 emergency, the Barcelona Fire Service has started adapting three municipal sports centres and a hotel to cover health needs and provide care for patients referred there from the city’s main hospitals.

The Barcelona Health Consortium, made up of Barcelona City Council and the Government of Catalonia, is setting up a programme to condition four municipal sports centres to provide health support and avoid the city’s main hospitals being overwhelmed by the Covid-19 health crisis. In an initial stage, the centres will be able to provide care simultaneously for 600 patients with Covid-19.

Each temporary centre will provide support for a main hospital:

  • The CEM Olímpics Vall Hebron will act as an extension to the Hospital de la Vall d’Hebron.
  • The CEM Marítim will act as an extension to the Hospital del Mar.
  • The CEM Guinardó will act as an extension to the Hospital de Sant Pau.
  • The Hotel Catalonia Plaza will act as an extension to the Hospital Clínic.


Barcelona City Council is adapting municipal resources to provide logistics and materials to enable the sports centres to offer medical care, while the Catalan health service, CatSalut, will be providing the staff and care criteria. Once the centres are up and running, the Barcelona Fire Service will be tasked with transporting patients, medical equipment and medication. 

The Municipal IT Institute and the Catalan government’s Telecommunications and Information Technology Centre will guarantee connections for staff at facilities to be able to consult patients’ medical histories, as well as connections to Barcelona’s public wi-fi network so that patients can keep in touch with family and friends.

The operation, entitled Pavelló Salut, comes in addition to the various initiatives to provide extra support for the city’s medical facilities. These include Hotel Salut, with four city hotels being adapted to offer a combined total of 216 rooms for patients with minor symptoms or no symptoms, as well as autonomous patients or those who can’t self-isolate at home. Hotel rooms will also be adapted for health professionals to rest if they request them.


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