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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 Barcelona City Council hands over the keys to 76 publicly rented apartments in the Marina del Prat Vermell

22/12/2023 - 13:53

The initial 76 families on Cal Cisó St, 49-59, and Pontils St, 10, now have keys for new homes this Christmas. In the coming days, the rest will also receive keys to fill all 108 apartments.

The Barcelona City Council, through the Municipal Institute of Housing and Renovation of Barcelona (IMHAB), has handed over the keys to 76 affordable rental and social rental homes located on Cal Cisó Street, 49-59, and Pontils Street, 10, in the Marina del Prat Vermell neighborhood, in the district of Sants-Montjuïc. The delivery took place in an event attended by Raquel Gil, district councilor, and Gerard Capó, manager of IMHAB.

In her speech, the councilor congratulated the recipients and reminded them that the district will continue to support them in the beginning of this new life stage. Gil highlighted the city’s effort in housing, despite not having the competencies, and stated that this issue is of “utmost priority” for the municipal government.

Regarding the Marina del Prat Vermell, she emphasized that “it is a neighborhood full of life, activity, and hardworking people.” In the future, the neighborhood will host over 30,000 new residents.

Gerard Capó emphasized that the IMHAB’s goal is the promotion of housing so that “Barcelona can have an affordable rental housing stock that matches the city’s stature”.

Manel Coronado, president of the Eudard Aunós Neighborhood Association, was also present at the key handover. He expressed great satisfaction that the neighborhood “continues to grow, especially in housing,” considering the arrival of new neighbors as “very important” for the community to “share experiences and activities”.

Among the recipients, there was an atmosphere “of excitement and nervousness” about starting a new chapter and “gratitude” for receiving assistance to have a “stable” home. They all agreed that receiving the keys to their new apartment during the Christmas holidays “was the best gift”. For them, a new life begins in 2024.

What is the new development built on Cal Cisó Street and Pontils Street like?

The new housing development consists of a total of 108 apartments, 48 of social rental and 60 of affordable rental, distributed across three buildings. Building A – with an entrance on Pontils Street, 10 – has 28 one and three-bedroom apartments. Building B – on Cal Cisó Street, 49 – has 48 two and three-bedroom apartments. Building C – on Cal Cisó Street, 57 – has 32 two and three-bedroom apartments. It is worth noting that 4 out of the 108 apartments are adapted.

On the first floor, there is a communal outdoor terrace that connects the three buildings, designed as a space for community interaction with a series of planters.

In addition, the building includes four commercial premises and an underground parking lot with 90 car spaces, 19 motorcycle spaces, and a 28 m² area reserved for bicycles. The building has cross ventilation and incorporates energy-efficient eco-efficiency systems, qualified with an A.

The growth of the Marina del Prat Vermell continues

The development on Cal Cisó Street, 49-59, is the latest public rental housing development to be inaugurated in the Marina del Prat Vermell neighborhood. And there are more projects in process. Currently, two developments are under construction: one on Ulldecona Street, 2-10, and another on Acer Street, 10.

The Marina del Prat Vermell is part of the transformation of an area of the city that faces the challenge of defining a new mixed-use neighborhood.