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.​

New municipal advisory body on housing

28/09/2023 - 15:58

Housing. The main goal will be to provide solutions for boosting affordable housing.

A new municipal body has been created to advise the city government on housing. The main goal will be to provide solutions that stimulate the public and private sectors as much as possible to boost the amount of affordable housing. The body will be headed by Carme Trilla, chair of the Barcelona Metropolitan Housing Observatory and Fundació Hàbitat3.

The body will be made up of people with broad experience in fields such as urban planning, law, management and housing, to conceive and design steps to stimulate public and private housing projects.

The advisory body will plan action to get the use out of as much land as possible, design a new housing plan and further explore collaboration with all stakeholders in this sector: cooperatives, foundations, private companies and all administrations.

It will also provide maximum specialist knowledge in this sector, as well as identifying specific steps to bring substantial improvements in aspects such as the process to issue permits, heritage and land management and the definition of types of housing needed most and to be prioritised for construction. Action will be defined in line with new social and family realities and the search for formulas to stimulate the renovation of the current housing stock.

The new committee will also report to the Barcelona Social Housing Board, the highest body for debate and participation in his sphere.