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.​

Green light to look for a private partner for the metropolitan housing operator

26/06/2020 - 17:47

Housing. Private companies interested in the selection process to become a partner have until 10 September 2020 to apply.

Barcelona City Council and the AMB have approved the new sets of specifications for the selection of a private partner for Habitatge Metròpolis Barcelona (HMB). The goal of this joint venture is to build 4,500 affordable rental flats in the city and the metropolitan area. Private companies interested in participating have until 10 September to apply.

HMB has now published the specific clauses for the procedure to select and contract a private partner in a joint metropolitan venture for the construction and management of affordable housing, promoted by the AMB and Barcelona City Council.

Private companies interested in the selection process to become a partner have until 10 September 2020 to apply. The first provision of capital to enable the venture to start will be in the first quarter of 2021.The new competition rules are available here.

The tendering process to find a private partner will be negotiated with publicity, allowing greater flexibility in terms of capital and time frames, at the same time enabling direct negotiation with the candidates. The first tendering process was unawarded.

The initial contribution of 12 million euros from the private partner remains unchanged and matches to the 12 million to be contributed by administrations. As from the second stage, private partners will have to offer capital as established by the specific clauses. The overall capital to be invested remains unchanged and ranges from 57.8 million to 103.7 million euros.

Goal: 4,500 affordable homes

With the private partner entering and the venture getting under way, the idea is to be able to award and resolve projects early in 2021. The total number of homes due to be constructed is 4,500, providing housing for between 11,000 and 12,000 people.

The sites provided by Barcelona City Council involve the ceding of usage rights, meaning they continue to be publicly owned. This change of model means the land is not sold, but instead made available for public-private cooperation to create affordable housing.

The four development stages for the housing projects have been kept. The first stage will see 640 homes built on the following sites:

  • Two sites in La Marina del Prat Vermell, with a capacity for 125 homes
  • Two sites in La Sagrera, with a capacity for 125 homes
  • One site at Les Casernes de Sant Andreu, with a capacity for 112 homes
  • One site at the Saló Central de Sant Boi de Llobregat, with a capacity for 110 homes
  • Two sites on the Sastre de Montgat hill, with a capacity for 130 homes
  • One site at the Catalana de Sant Adrià del Besòs, with a capacity for 57 homes

The second stage also has eight designated sites, with a capacity for 1,476 homes as follows:

  • Renfe Colorantes, in Sant Andreu: 124 homes
  • Poblenou: 96 homes in Carrer del Marroc, 75 homes in Carrer d’Àvila and 34 homes in Carrer de Zamora
  • Cobega sector: 134 homes
  • Catalana de Sant Adrià del Besòs: 57 homes
  • Can Bagaria/Alstom, in Cornellà: 66 homes
  • Les Guardioles, in Molins de Rei: two developments of 40 and 36 homes
  • Josep Pla Sant Lloc, in Sant Andreu de la Barca: 37 homes
  • Baldiri Figueres, in Sant Boi de Llobregat: 55 homes
  • Llevant sector, in Viladecans: 82 homes

The sites for the third and fourth stages have not yet been designated.


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