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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 transformation of Carrer Pere IV continues with work at the Besòs end

05/05/2018 - 10:05

Urban planning. The section now being transformed is between Rambla Prim and C/ Josep Pla, to be followed by the stretch as far as C/ Selva de Mar. The work involves the same street calming measures already used in the section between C/ Bilbao and C/ Roc Boronat.

The second stage of the project to remodel C/ Pere IV into a street with civic and heritage value is under way, with work now starting in the section between Rambla Prim and C/ Josep Pla. The new design, as with the work already carried out between C/ Bilbao and C/ Roc Boronat, prioritises pedestrians by widening pavements, renewing urban furniture, adding more greenery and reducing traffic.

The work is intended to regain space for pedestrians, with wider pavements (15 metres wide on the side nearest the mountains and 5.45 metres on the side nearest the sea), lime trees, new lighting and urban furniture, adapted pedestrian crossings and signage.

In terms of traffic circulation, the new layout means one traffic lane in the direction of the Besòs river, one service lane for loading and unloading and motorbike parking, and a segregated two-way bike lane to ensure safe mobility on foot, by bike or in motorised vehicles.

In the next few weeks work will also start on the section between C/ Selva de Mar and C/ Josep Pla. Both sections should be completed in ten months, between them covering 800 metres of C/ Pere IV and representing an overall investment of 13 million euros. The work follows on from the first stage, between C/ Roc Boronat and C/ Bilbao, which was completed last summer.

A transformation involving local residents

The overall revamp for the Pere IV axis goes further than an urban transformation project, the idea being to turn the street into a hive of social, cooperative and economic activity, prioritising entities and companies with local ties and revitalising the industrial heritage and historical identity of the neighbourhood.

The District of Sant Martí is working with local residents and entities via the Pere IV committee to define the different projects making up the transformation of area, such as the revamp to the street, the renovation of La Escocesa, which will be used to build housing and public facilities, and the transformation of the former Pere IV cinema, which will be a new socio-cultural centre and the new district sub-office.

Disruptions due to work

Work on the section between C/ Josep Pla and Rambla Prim will start on the side of the street nearest the sea, where a minimum of 2.5 metres of pavement will remain in use to ensure pedestrian access and safety. Traffic circulation will also be affected, with vehicles only able to travel in the direction of the Besòs river. Once the work on the side nearest the sea is completed, work will start on the other side of the street, where traffic will still be able to circulate in the direction of the Besòs.

C/ Puigcerdà will remain closed for the duration of the work, meaning that the bus stop between this street and C/ Maresme will be out of service. The alternative route will use Rambla Prim and C/ Cristóbal de Moura (TUGSAL B25, N1 and Nit Bus services). The junctions between C/ Maresme and C/ Josep Pla will remain open and consequently the bus stop located along the section between C/ Josep Pla and C/ Puigcerdà will operate normally.


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