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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.

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Housing Offices and Energy Advice Points (PAE) continue to operate by phone and online to help prevent the spread of Covid-19. Check how to access services here.

Barcelona organises a forum to discuss the present and the future of housing in the city

14/02/2019 - 14:00

Housing. The Housing and Renovation Forum of Barcelona will be held on March 19, 20 and 21 at the MACBA and will have the participation of international experts

On March 19, 20 and 21, the Barcelona Housing and Renovation Forum (FHAR) will take place at the Barcelona Museum of Contemporary Art (MACBA). The forum is an initiative of the Municipal Institute of Housing and Renovation (IMHAB) of the Barcelona City Council that aims to bring together professionals in the sector, both public and private, in order to discuss, develop and evaluate the future of housing law in the city.

The FHAR is the first Barcelona Housing and Renovation Forum and forms part of a series of conferences that the IMHAB has been promoting since 2016 to reflect on the future challenges of the sector.


Debates with national and international experts 

The Barcelona Housing and Renovation Forum will have experts among its participants, from administrations throughout the country and from international locations, as well as professionals from private organisations around the world linked to social and academic movements. All of them will contribute their knowledge and experience to address future challenges and give answers to the current situation.

Among the international participants whose presence is already confirmed is Zaida Muxí, architect and author of ‘Women, Homes and Cities’; Joaquin de Santos, member of the Community Land Trust Bruzelles (CLTB) and Sustainable Housing for Inclusive and Cohesive Cities (SHICC); Bojan Schnabl, Coordinator of the EUUA Housing Partnership; and Reiner Wild, Executive Director of the Mieterverein Berlin, among others.

In addition, the FHAR will also have the participation of experts from Catalonia and the rest of the country, such as Carme Trilla, president of the Metropolitan Observatory of Housing of Barcelona; Mario Yoldi, Director of Housing of the Basque government and promoter of the Basque Housing Observatory; and Gaspar Mayor, manager of the Municipal Housing Trust of Alicante, among others.

The conference will start on Tuesday March 19 with a discussion about global challenges and local solutions in regard to the right to housing between Raquel Rolnik, architect and ex-relator of the United Nations for housing, and Josep Maria Montaner, Councillor for Housing and Renovation for the City Council of Barcelona.

The forum programme will be organised based on the following thematic axes: Create and rethink the affordable housing offer, plan housing policies, respond to emergencies, co-produce with other agents, and regulate the market. It will hold several round tables, as well as the presentation of new public housing projects.


Valuing the most innovative housing policies

One of the objectives of the FHAR will be to reflect on the key milestones achieved in housing and highlight the most innovative policies that are being promoted by the Barcelona City Council, as well as identifying future lines of work.

Housing is a basic human right that contributes to social integration and quality of life. Housing policies are a priority in the social policies that the Barcelona City Council promotes in an integrated way in the city.

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