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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.​

Work gets under way on a block of 31 publicly owned homes in Torre Baró

22/04/2021 - 18:10

Located at Av. Escolapi Càncer, 27-33, the block will provide housing for nearly a hundred people.

Located at Av. Escolapi Càncer, 27-33, the block will provide housing for nearly a hundred people.

Work is under way on a block of 31 officially protected homes with social rents in Nou Barris. Located at Av. Escolapi Càncer, 27-33, the block will provide housing for some ninety people.

The ceremony to lay the first stone was attended by Xavier Marcé, District Councillor for Nou Barris, Lucía Martín, Councillor for Housing and Renovation, Mari Carmen Rodríguez González and Ramon Ferrer Hernández, representing the Torre Baró residents’ association, Josep Montiel Mora, representing Els Eucaliptus residents’ association, and Gregoria Garcia from the elderly people’s centre in Torre Baró.

Work is due to be completed during the first quarter of 2023 and involves a municipal investment of 4,047,778 euros (plus VAT). The project corresponds to the municipal government strategy of recent years to boost the construction of publicly protected housing in the city.

The geography of Torre Baró, with its steep slopes, is one of the factors which shapes the character of the building. Designed through a joint venture between Alday Jover Arquitectes, SLP, and Burgos&Garrido Arquitectos Asociados, the block adopts a clear geometry of a cube embedded in a significant slope, facing north. This geometric figure has been emptied, with an inner courtyard which opens to the south, against the slope of the mountain, directly searching for the sun and giving access to all the homes. Access to the building is via a large porch giving onto Av. Escolapi Càncer, which is the main street in the new urban development in Torre Baró. The second floor of the block connects with C/ Castelldefels, where there is a second entrance to the building.

The project will generate 31 homes and some commercial premises, with six floors in all. The ground floor will house the commercial premises and a large porch, with a semi-underground area for service rooms, a section behind the premises, space for keeping bicycles and a space for general waste.

The homes will have a usable floor space of between 65 and 80 square metres, with fourteen three-bedroom flats, sixteen two-bedroom flats and one flat with a single bedroom. Two of the homes will also be adapted for people with reduced mobility.

The homes will be distributed from the first to the fifth floor: five on the first floor, six on the second and third, and seven on the fourth and fifth floors. The building will also feature an inner courtyard and seventeen separate storage rooms for the one and two-bedroom flats. The rooftop will house the telecommunications structure, the antenna, a lightning conductor, solar panelling, a cleaning room and smoke and ventilation outflow ducts.

More public housing developments

Besides this project, there are currently two other protected public housing developments in progress in Nou Barris. One is a block of 47 homes with services, also in Torre Baró and due for completion in the second half of 2022, and the other is a cohousing project by the Sostre Cívic cooperative, for 29 homes in C/ Pla dels Cirerers, due for completion at the end of this year.

In addition, work is due to start this year on three more housing projects in Trinitat Nova, providing a total of 246 homes for rent or with the lease purchases. In all, the protected public housing pool in the district of Nou Barris is set to gain 353 more homes, providing housing for some 880 people.

Besides the new buildings, Barcelona City Council is also increasing the public housing pool by purchasing private flats to offer with affordable rents. The City Council has acquired 184 homes in Nou Barris since 2015, also attracting 323 private homes through programmes to provide housing with social and affordable rents. In all, purchased flats and private homes put to use in this way represent housing for over 1,200 people.