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

International experts to discuss the regulation of rent prices

05/11/2019 - 16:58

Conference. Representatives from New York and Berlin will explain on November 18 at a DESC Observatory conference how cities can put...

"Barcelona has put housing policies at the centre and this has had a contagious effect on other administrations"

01/11/2019 - 11:32

Conference. The UNESCO Housing Chair of Rovira i Virgili University presents a transversal look at the current challenges for housing...

La Borda puts cohousing at the centre on the first day of visits of the 48 Hours Open House in Barcelona

28/10/2019 - 17:19

Architecture festival. It’s a unique building built on municipal land, designed to adapt to the people who live in it, with mobile...

The 48H Open House festival presents the most innovative public housing buildings in Barcelona

16/10/2019 - 16:47

Architecture festival. The four sites with which the IMHAB collaborates - La Borda, Cases Barates of Bon Pastor, the homes of Can...

05/08/2019 - 11:37

Do you know what requirements a tourist flat in Barcelona must meet?

Housing. Requirements that a property must fulfil to become a tourist flat and the obligations of owners and tenants.

29/07/2019 - 18:18

Safety tips to prevent theft in the summer

Housing. If you plan to go on vacation for a few days, these are the recommendations from the police and the fire brigade to avoid...

25/07/2019 - 11:32

"Renovation is the only way to ensure that homes are in conditions to live with health and comfort"

Housing. The Barcelona Housing Consortium offers several renovation grants to reform building interiors and common elements

15/07/2019 - 14:30

Agreement reached for vulnerable families to carry on living at Carrer de l’Hospital, 99

Housing. The owner has pledged to halt the eviction process and the families in question will pay below-market rents.

04/07/2019 - 18:21

Second report by the Metropolitan Housing Observatory

Housing. The report uses data from 2017 and 2018 to evaluate public policies in the metropolitan area.

21/06/2019 - 17:52

First expropriation of an empty flat owned by a bank

Housing. The end to the suspension of the housing laws also means fines can be imposed for not offering social rent options before an...

Premi europeu a les polítiques d’habitatge de l’Ajuntament.
07/06/2019 - 10:36

Europe rewards the housing policies of the Barcelona City Council against gentrification

The acting Councilor for Housing and Rehabilitation, Josep Maria Montaner, collected in Lyon the European Responsible Housing Award.

31/05/2019 - 17:47

‘Viure i conviure’, a shared experience between young people and the elderly

Social services. Seventy pairs take part in this intergenerational co-living programme.

23/05/2019 - 11:19

The renovation of 40 high-complexity buildings is about to begin

Housing. The Programme for Renovation of High-Complexity Buildings, promoted by the Barcelona City Council, aims to help people in...

22/05/2019 - 14:05

The IMHAB presents the development of three innovative renovation and new construction projects at Construmat

Housing. The large renovation project of Carrer Hospital, and the new construction projects of the old Quirón and of Carrer Venezuela...

Share this content