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.​

Do you have doubts about the social discount and how to ask for it? We can help you!

26/02/2024 - 13:09

Housing. The social discount is a subsidy granted by the government to people in a situation of economic vulnerability, allowing them to reduce their electricity bill. If you have any doubts about whether you qualify or how to apply, we can help.

The social discount is a subsidy applied to the electricity bill and is administered by the Spanish government. Individuals and families in a situation of economic vulnerability who have contracted with one of the companies belonging to the regulated market are eligible. This point is important, as being on the regulated market is one of the conditions of eligibility. If you do not have a contract on the regulated market, you should change it.

Other requirements are to have a DNI or NIE, to be the owner of the supply and to be registered in the dwelling.

For large families and families with members receiving the minimum subsistence income, the minimum pension or a disability pension, the income criterion is not taken into account, but the relevant reduction is applied directly, without checking the income of the cohabiting unit.

Other special cases that may qualify for bono social are:

  • Victims of gender violence.
  • Victims of terrorism.
  • People with a disability of 33% or more.
  • People in a situation of dependency level II or III.
  • Families with minors and only one registered parent.

There is a subsidised energy limit. In other words, the social bonus subsidises the performance and the energy term, but the latter only up to a certain limit. The subsidised energy limit depends on the number of people in the household and the number of children in the household. If this limit is exceeded, the excess energy is charged at the fixed price of the Voluntary Price for the Small Consumers (PVPC) tariff.

How long is the social discount valid?

It is valid for two years, but is automatically renewed as long as the conditions of the cohabitation unit are maintained. An exception is made for large families, who can benefit from the bono social until the expiry date of the large family card.

Guaranteed supply

The social voucher also guarantees the supply of electricity to all people and households that are protected and in which there is at least one person with one of the following characteristics

  • A person under the age of 16.
  • A person with a disability of 33% or more.
  • Someone with a level II or III dependency.

To find out the full requirements, how to apply and what documents you need to provide, visit the following website or contact your local Energy Advice Point.

Currently, families who qualify for the bono social save between €180 and €300 per year, in addition to the thermal discount, an additional annual subsidy for air conditioning costs.

The thermal discount

The social discount also includes an annual financial support for thermal energy, i.e. support for the payment of heating costs, regardless of the energy source. This aid depends on the climatic zone and the degree of vulnerability of the person or household.