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.​

Facade of the renovated building on Fortuna Street, part of a project promoted by the Neighbourhood Plan. Author: Martí Petit

Living in a more efficient home means gaining health and comfort, saving money every month on energy bills, and contributing to the fight against the climate crisis and in favour of the environment.  

If you own a home in Barcelona, now is the time to take advantage of the subsidies available. With Next Generation European Funds, you can get up to 80% of the cost of your renovation project to take care of your house, building, neighbourhood and city.  

The Municipal Renovation Office (ORM) will help you and answer any questions you may have. Make an appointment and we will keep you informed! 

The only requirements to qualify for the grants are to be a homeowner and to use the funds to improve the energy efficiency of the property to make it more sustainable.

Contact the Municipal Renovation Office for more information or to apply for subsidies

atencio oficina

Municipal Renovation Office (ORM)​

It offers advice, management, and support for the processing of the Next Generation European subsidies for renovation.

Summer schedule (from June to September): Mon. to Fri. from 8:30h to 14:30h.

Winter schedule (from October to May): Mon. to Fri. from 8:30h to 14:30h and Thu. from 8:30h to 18:30h.

Carrer de Pujades, 350 (Sant Martí), Barcelona


Renovation is saving

If your home or building is outside the city of Barcelona, you will find all the information on where to go to rehabilitaresestalviar.cat