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.​

A boy in his house

The future is not about moving to Antarctica in the face of climate change. The future is to be able to cope with heat waves at home.

So that air conditioning your home does not involve a disproportionate expense, you already have grants to improve energy efficiency.

Find out here about the available grants and discover the news of the campaign.

Do you want to improve the energy efficiency of your building?

Improving housing to reduce inequality

Barcelona City Council understands that refurbishment is a key tool to reduce inequality and improve the quality of people’s lives. That is why the Council supports projects that improve the quality of both individual dwellings and buildings. In fact, Barcelona is one of the cities that offers the greatest public support for the refurbishment of private dwellings.

The refurbishment of dwellings has drastic effects on comfort, health and wellbeing and makes a significant difference in energy efficiency and improves the quality and security of the built environment. In addition, encouraging refurbishment boosts the local economy and creates jobs through the need for skilled workers.

Refurbishment grants promote liveability, accessibility and energy efficiency, both in individual homes and in buildings taken as a whole.

These grants, from the Barcelona City Council, the Barcelona Housing Consortium (CHB), and other official bodies, are complemented by the opening of a call for renovation grants from the European Next Generation funds. The purpose of those funds is to reduce the consumption by buildings and homes of non-renewable primary energy to a minimum and to reduce demand to a minimum.

Renovating is caring with NextGen funds

Thanks to the European Next Generation funds, up to four lines of aid are offered for the renovation of your home, which can cover up to 80% of the investment, and always with the advice of the Municipal Rehabilitation Office (ORM).

Refurbishment grants for buildings

These grants are for projects that increase the energy efficiency of residential buildings for one or more households. There is a requirement to achieve increased energy efficiency with demonstrated savings in the consumption of non-renewable primary energy and energy demand.

Housing Refurbishment Grants

These grants are for property owners who want to implement measures to increase the energy efficiency of their normal residence.

Grants for Building and Project Book preparation

The purpose of this programme is to encourage the widespread adoption of the existing Building Book for refurbishment through grants to meet part of the cost of professional fees for Books and for the implementation of technical projects for whole-building refurbishment.

Neighbourhood restoration grants

Grants for the refurbishment of residential buildings awarded on the basis of energy efficiency criteria.

Benefits for the renovation of housing interiors for incorporation in the Barcelona Rental Housing Stock

Take advantage of the benefits provided by the Barcelona Rental Housing Exchange and renovate your apartment.

Rehabilitation grants for window replacement in acoustically stressed areas

Grants focused on improving the acoustic quality in the interior environment of those buildings located in streets with high ambient noise both during the day and at night in the city of Barcelona. 

Renovation grants for accessibility actions in Barcelona

Grants focused on improving the accessibility of multi-family or single-family housing buildings in the city of Barcelona.