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.​

These grants are for projects in the common areas of residential buildings that accommodate one or more households to increase energy efficiency and produce energy savings and for general refurbishment.

Efficient, sustainable buildings

Refurbishment for energy savings and energy efficiency in 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.

The Municipal Renovation Office (ORM) is the physical space where the renovation grants are managed and processed, also available to request online.

Would you like to know how to apply for building refurbishment grants?

These dropdowns explain the requirements and process to apply for these grants.


Owners’ Associations and owners of vertical properties, whether incorporated or not.


There is a requirement to achieve increased energy efficiency with demonstrated reduction in the consumption of non-renewable primary energy and reduced energy demand.

The first measures must have been taken after 1 February 2020.

Buildings must meet the following requirements:

  • It is mandatory for buildings to have a Report of Technical Inspection of Buildings (IITE) dated prior to the date of application.
  • The building(s) must have a Certificate of Energy Efficiency (CEE) prior to the works.
  • At least 50% of the built surface area above ground level, excluding the ground floor and any lower floors if they have any compatible alternative use(s), must be in residential use as dwellings.
  • The measures have been agreed by the Owners’ Association except where a building is in single ownership.

The following refurbishment works are excluded:

  • Works the purpose of which is to change the use of the whole building.
  • Works the purpose of which is to demolish the whole existing building except its external envelope.
  • No grant will be awarded for investments in thermal generators that use fossil fuels although such systems can be included and be modelled in the project and final Energy Certificates.
  • There are also excluded single household buildings which are categorised under Article 3(1) of Law 18/2007 of 28 December to make provision for the right to housing as dwellings used to obtain the proceeds of a business regulated by the law that applies to accommodation let for holiday use.

Compatibilities and Incompatibilities

These grants can be combined with other public funding for the same purpose, provided total support does not exceed the total cost of any scheme and provided that the rules in Spain or Europe for such other support so allow.

These grants can be combined with grants under the Programme for grants to schemes for increased energy efficiency in dwellings, so long as it can be shown that the same cost is not being supported by grants under both programmes.

These grants may not be combined with grants under the Programme for grants to schemes for neighbourhood restoration (Decision DSO/825/2022 of 22 March).

Amount and term of the request

Refurbishment schemes for buildings that achieve evidenced increase in energy efficiency with 30% reduction in non-renewable primary energy consumption and reduction in heating and cooling demand of 25%.

Schemes that entail the removal of construction products that contain asbestos (maximum of €1000 per dwelling or €12,000 per building).

The proportion that may be grant-supported is proportionate to the reduction in consumption of Non-Renewable Primary Energy (EPNR):

  • 40% grant: when the reduction in consumption of EPNR is equal to or greater than 30% (maximum of €6,300 per dwelling).
  • 65% grant: when the reduction in consumption of EPNR is equal to or greater than 45% (maximum of €11,800 per dwelling).
  • 80% grant: when the reduction in consumption of EPNR is equal to or greater than 60% (maximum of €18,800 per dwelling).

Grants of up to 100% may be available in cases of vulnerable persons.

These grants may be applied for until 31 December 2024 or until all available funds are allocated.


You can consult the necessary documentation in the Call for renovation grants from the Barcelona Housing Consortium, or in the direct download links for each of the documents, which are found below (More information):

More information

Other schemes

Schemes eligible for grant support:

  • Reduction of at least 30% in the rate of consumption of EPNR as shown by the relevant energy certificate.
  • In buildings located in Category C Weather Areas under the Climate Zones in the existing Building Code (CTE), a reduction in total annual energy demand for heating and cooling of a single household dwelling or a Building, the reduction must be: Weather Zone C, 25%;
  • In the case of buildings that are protected to any degree as part of a listed environment or due to their historic or architectural importance, it is not necessary to meet the requirement for demand reduction, but those elements of the envelope that can be changed must meet the minimum thermal transmittance and air permeability values set out in Table 3.1.1 a-HE1 and 3.1.3 a-HE1 of the basic energy saving document in the Building Code, DB HE.
  • Where within the 4 years prior to the date of the grant application, energy efficiency measures have been implemented for which it can be shown:
    • a) that the aggregate annual demand for energy for heating and cooling has been reduced by at least the required proportion, the requirement for reduction in the aggregate annual demand for energy for heating and cooling does not apply.
    • b) where the target level of reduction has not been met or exceeded, the requirement can be deemed to have been met if the aggregate of the reduction measures for which the grant application is made meets or exceeds the level of reduction set and the relevant Energy Efficiency Certificate must be provided.

Other informations

Additional grants for people in situations of vulnerability:

In identified situations of economic vulnerability that affect one or more of the owners or beneficial owners of a dwelling comprised within a building to be refurbished, additional grant aid can be applied for in addition to the grants requested by the ownership board.

The following need to be shown to evidence such economic vulnerability:

  • Household with no children or persons with a degree of disability equal to or above 33%: up to twice the Living Income (IRSC) (measure of adequacy of income in Catalonia).
  • Household with one child or person with a degree of disability equal to or above 33%: up to 2.5 times the Living Income (IRSC).
  • Household with two children or persons with a degree of disability equal to or above 33%: up to 2.7 times the Living Income (IRSC).
  • Household with three or more children or persons with a degree of disability equal to or above 33%: up to 3 times the Living Income (IRSC).