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.​

Priority boost to housing in the first meeting between the Mayor and the President of Catalonia

30/08/2023 - 20:32

City Council. The expansion of the public housing pool shaped the agenda for the meeting, with an initial proposal to build 1,764 homes.

The first meeting between the Mayor of Barcelona, Jaume Collboni, and the President of the Government of Catalonia, Pere Aragonès, concluded with both institutions pledging to collaborate on social rights, public transport and security, and to prioritise the growth of the public housing stock.

The meeting addressed joint areas of work between the City Council and the government, who agreed to hold another meeting on 20 October to give continuity to the meetings by the Generalitat – Barcelona City Council Joint Commission.

Housing as a priority

The promotion of affordable housing policies will be one of the priorities for the two administrations, as agreed today in the first meeting between the Mayor and the President of Catalonia.

In an effort to boost the public housing stock, the City Council has offered 27 plots of land at different points around the city which between them could be used to start building 1,764 homes. Fourteen of these sites could immediately be leased to the Catalan Land Institute, INCASOL, and used for 811 flats, while the other 13 could gradually become available during the current term of office (953 flats).

Fulfilment of the budget agreement

The meeting was also used to review the budget agreement which the Catalan government signed with the PSC on 1 February, in particular the mobility and public transport projects still to be funded.

In addition, the two leaders addressed the commitment to post 600 new police officers in Barcelona from Catalonia’s Mossos d’Esquadra corps, starting with an initial posting of 215 officers.