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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.​

The defense of the right to housing, the focus of the second day of the ISHF

08/06/2023 - 19:09

Housing. The state of social housing in Southern European countries, public-private partnerships, and housing renovation were the main topics of the second day of the conference, which drew a large number of attendees.

The Palau de Congressos in Barcelona has become, for the second consecutive day, the venue for the International Social Housing Festival, taking place from June 7th to 9th. On the second day, one of the most relevant topics of the conference, the right to housing, took center stage in the first plenary session of the day. Under the title ‘Emerging housing systems in Southern Europe’, experts and elected officials took the stage of the auditorium, offering different perspectives on the matter.

The founding director of the UCL Institute for innovation and public purpose, Mariana Mazzucato, and the global director of The Shift, Leilani Farha, presented data and figures that perfectly illustrate the violation of a fundamental human right such as housing. “The right to housing faces the world’s largest real estate business, valued at three times the global GDP”, stated Farha. In addition to advocating for this right, the session provided an overview of the state of social housing in different Southern European countries.

The mayor of Villeurbanne and former president of Housing Europe, Cédric Van Styvendael; the postdoctoral researcher at the University of Crete (Greece), Dimitra Siatitsa; the deputy mayor of Bologna, Emily Clancy; the councilor for housing and public works of Lisbon, Filipa Roseta; the director of EMVISESA, Felipe Castro; the architect and professor at ETSAB-UPC, Josep Maria Montaner; and the director of Placemaking Europe, Ramon Marrades, have participated.

A defense of the right to housing that must inevitably involve the commitment of private entities, as discussed in the second of the presentations held in the auditorium, titled ‘Barcelona-Catalonia Housing Model: Public-private and public-community partnerships for the provision of affordable housing’. Barcelona and Catalonia have been pioneers in implementing collaborations between the public and private sectors to increase the supply of affordable housing, through the ESAL agreement and the creation of the first mixed public-private housing provider (HMB).

Those responsible for addressing this topic were the president of the Metropolitan Housing Observatory of Barcelona, Carme Trilla; the project coordinator of the La Dinamo cooperative, Glòria Rubio; the CEO of CEVASA, Donato Muñoz; the deputy housing minister of the Basque Government, Pedro Javier Jauregui; the chief of staff in the housing department of the Barcelona City Council, Vanesa Valiño; and the manager of AMB, Ramon Torra.

To conclude the day in the auditorium, the third and final presentation has focused on housing renovation and urban regeneration as topics of analysis, with the European Next Generation funds as a key ally for the development of the energy transition.

To assess the progress made in Barcelona and Catalonia, the stage was occupied by the project director of the Barcelona Innova Foundation, Isabella Longo; the director of the Habitat Futura Group, Celia Galera; the manager of the Municipal Institute of Urbanism, David Martínez; the Director-General of Housing and Land of the Spanish government, Francisco Javier Martín; and the Director-General of the Metropolitan Housing Consortium, Jose Antonio Artimez. And to complement this debate with a more international perspective, they were joined by the Member of the European Parliament, Kim Van Sparrentak.

A wide range of diverse topics

Beyond the three plenary sessions, ISHF is characterized by offering a wide range of simultaneous presentations, covering a variety of topics related to social housing, with renowned international experts and professionals eager to share their knowledge and experiences. Among other points of discussion, the second day of the conference addressed housing adaptation to climate change, access to housing for people with special needs, rental payment assistance, cooperative housing, and the fight against homelessness.

This Friday, the Palau de Congressos will host the third and final day of ISHF, with prominent experts still set to share their ideas in a top-notch program.