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.​

The Barcelona Housing and Renovation Forum is now open for registration

03/11/2022 - 11:12

Housing. International experts in the sector, headed by such a prestigious figure as Christopher Hutin, will focus on industrialized housing, housing emergency, and renovation on November 28 and 29.

Since Thursday, November 3rd, registrations have been opened for the third edition of the Barcelona Housing and Renovation Forum (FHAR), promoted and organized by the Municipal Institute of Housing and Renovation (IMHAB) of the Barcelona City Council, which will take place on November 28th and 29th at the Palo Alto Barcelona venue.

Two days of high interest where experts in the housing sector will meet to analyze and discuss some of the critical issues affecting Barcelona and many other cities in Europe. Seating is limited and registrations can be made through the FHAR website (https://fhar.barcelona). For those who wish, the event can also be followed live via official streaming.

For the 2022 edition, the FHAR will delve into three themes that are very relevant in the city, where significant steps forward have been taken. As one of the most outstanding measures to expand the public housing stock, Barcelona is a pioneer in the State in industrialized construction, with several promotions that will be protagonists in the FHAR.

Likewise, another axis of debate will be the measures that can be taken to combat the housing emergency and the rise in rental prices to the private market, in contrast to other European cities, as well as the role that renovation is having in the public sector and how it can grow and evolve in the future in addition to the subsidies offered to citizens.

Among the many professionals at national and international level from the public and private sector and linked to social movements, the FHAR 2022 will be attended, among others, by a world eminence in the field of renovation and industrialized housing as Christopher Hutin, who will give the inaugural lecture together with the director of the Mies van der Rohe Foundation, Anna Ramos; the representative of the Berlin Parliament, Katalin Gennburg; the postdoctoral researcher at the Faculty of Law of the University of Groningen, Andrei Quintiá; the executive secretary of condominiums of the Ministry of Housing and Urbanism of the Government of Chile, Doris González; as well as the councilor of Housing and Rehabilitation of the Barcelona City Council, Lucía Martín.

Less than a month before the celebration of this event, the preliminary program can be consulted on the website, with the different presentations that will be the protagonists of this third edition, as well as the registration form to reserve your place.

If you want to keep up to date with the news of the FHAR, you can subscribe to the newsletter.