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.​

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  • Visit in detail the industrialised construction


    You can visit, in a 3D tour format, one of the new industrialised construction developments that are already underway in the city. Specifically, the building located in Lola Iturbe Arizcuren Street, in the district of Sant Martí, will consist of 40 public rental housing units and will be completed in the first quarter of 2024.


    Use tips:

    · Double-click on the tour window to view it in full screen. 

    · Right-click and click the "Change control mode to drag and drop" option to have more control and a better view.


    Commitment to industrialised construction

    The laying of the first stone launches the Lola Iturbe Arizcuren Street development in the Sant Martí district, consisting of 40 public rental housing units and premises for a future facility. Construction work began at the end of last November, with completion scheduled for the first quarter of 2024. The building will consist of a ground floor and eight additional floors, and will stand out for its energy efficiency and the use of low environmental impact materials. The project was led by the architects Vicente Guallart and Daniel Ibáñez, who are continuing the Barcelona City Council's commitment to the use of industrialised construction, a more innovative, cheaper, faster and more environmentally friendly technique.

    The project is done, moreover, in a district of Sant Martí where there are already three more promotions started, a fact that makes this district a reference of industrialised construction in the city, as well as public housing in general terms. From 2015 to date, 526 housing units and 20 temporary accommodations have been completed in this district alone, while there are 287 housing units and 57 accommodations in the current construction phase, in addition to 206 housing units planned to be erected.