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Housing Glossary

You will find information here on all topics relating to housing in Barcelona

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

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.

AEDE

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.

Amortisation

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.

API

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.

Applicant

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.

APR

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.

Assessment

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.

Authorisation

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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The City Council launches a public participation process to develop the new Barcelona Housing Plan 2025-2032

The City Council launches a public participation process to develop the new Barcelona Housing Plan 2025-2032

19/03/2025 - 10:27

Housing. For one month, interested citizens of Barcelona can register for one of the sessions and contribute to the drafting of the new strategic framework for housing.

Legislative, social and economic changes make it necessary to rethink housing policy. For this reason, Barcelona City Council has launched the new Housing Plan 2025-2032 to develop a new strategic framework to reorganise, define and establish the pillars of work in this area and to develop the city’s housing policy in the coming years.

In order to achieve this, an open participatory process has been launched to include the voices of citizens, professionals in the sector, and organisations and associations defending the right to housing, in order to make an initial assessment of the situation in Barcelona. This period of reflection and work will serve to provide appropriate responses to current problems and anticipate future solutions.

Do you want to take part in the future of housing in the city?

If you would like to contribute to the drafting of the new Barcelona Housing Plan 2025-2032, territorial debates and city-specific debates have been organised from 25 March to 24 April. Registration is required to participate.

 

  • Sessions of territorial debate
    • L’Eixample: 25 March, 18:00, at Centre Cultural La Model.
    • Sant Andreu: 26 March, 17:30, at Centre Cívic Navas.
    • Sarrià-Sant Gervasi: 31 March, 18:00, at Biblioteca de Sarrià.
    • Gràcia: 1 April, 17:30, at Mercat de l’Abaceria.
    • Nou Barris: 2 April, 18:00, at Nou Barris District Headquarters.
    • Les Corts: 3 April, 18:30, at Les Corts District Headquarters.
    • Sant Martí: 7 April, 17:30, at Centre Cívic Sant Martí.
    • Sants-Montjuïc: 8 April, 18:00, at Centre Cívic Cotxeres de Sants.
    • Ciutat Vella: 22 April, 17:30, at Ciutat Vella District Headquarters.
    • Horta-Guinardó: 24 April, 18:00, at Biblioteca El Carmel – Juan Marsé.

 

  • Discussions with a city perspective

 

Each discussion will focus on the three main objectives of the Pla Viure:

  • To universalise the right to housing by increasing the stock of affordable and social housing.
  • To renovate and improve housing on the basis of sustainability, accessibility and comfort.
  • Addressing vulnerability and creating a system that enables action at all levels of society.

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