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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.​

Keys to 85 flats for the elderly handed over

24/02/2024 - 14:40

Housing. The homes form part of the Porta Trinitat municipal housing project in Sant Andreu and offer specific services for the over-65s.

The homes include specific service for the over-65s and form part of the Porta Trinitat municipal housing project, located in the Trinitat Vella neighbourhood in Sant Andreu. The homes have protected rents and are completely adapted and accessible, allowing residents to maintain their personal autonomy.

The new residents in this development built by the Barcelona Municipal Institute of Housing and renovation (IMHAB) are over 65. Although they are autonomous, they either owned no home or the home they had was not accessible.

From now on they will be living in accessible one-bedroom flats with protected rents, designed for one or two people to live in. The homes are managed by the Municipal Institute for Social Services (IMSS) and have communal and multi-purpose spaces for community activities, a rooftop garden area for communal use, plus a communal laundry room and some allotments.

This is the 26th project by the City Council to create homes with services for the elderly in the last twenty years. The goal of these developments is to guarantee the independence of senior citizens and at the same time offer services to help them maintain their autonomy. The homes have phone lines providing the telecare service, baths to facilitate access and avoid falls, power sockets at comfortable heights, a concierge service, geriatric and cleaning professionals and an internal alarm service in case of any incidents.

This latest block brings the total number of homes with these characteristics in the city to 1,566, with work currently under way on another four blocks with a total of 342 homes. This will bring the total number of flats with services for the elderly to nearly 2,000.

In addition, the Porta Trinitat block also includes 54 flats with social rents, which will be handed over to tenants soon.