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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.

Close glossary

Housing offices only attend to users face to face by prior appointment. Consult the “Housing calls you” service here to receive more suitable personalised assistance.

Registration open to attend the Barcelona Housing and Renovation Forum

22/02/2019 - 13:57

Housing. National and international experts will gather on the 19th, 20th and 21st of March to discuss the present and future of housing in the city

Registration is open to attend the Barcelona Housing and Renovation Forum (FHAR).

On March 19, 20 and 21, the Municipal Institute of Housing and Renovation (IMHAB) of the Barcelona City Council will hold this forum to discuss, develop and evaluate the right to housing in the city. Those who wish to attend must sign up by filling out the registration form, as capacity is limited.

For three days, experts from the housing sector and administrations will come from throughout the State and internationally, as well as professionals from private areas linked to social and academic movements from around the world. They will contribute their ideas and proposals to face future challenges and respond to the current situation.

Among the FHAR objectives is to highlight achievements being made in housing as well as the most innovative policies being promoted by the Barcelona City Council.


Discussions with national and international experts

The presentations will be organised around five major themes: planning housing policies, creating and rethinking the affordable housing market, responding to emergencies, co-producing with other agents, and regulating the market.

A dialogue about global challenges and local solutions 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 of the Barcelona City Council, ​​will open the forum on Tuesday, March 19.

For the following two days, there will be round tables, speeches and debates, as well as the presentation of public housing projects being launched and of the BCN-NYC Challenge finalists.


FHAR programme  


Tuesday 19

18:00-20:00 Global challenges and local solutions to the right to housing

With Raquel Rolnik, lecturer in the Faculty of Architecture and Urbanism of the University of São Paulo, and Josep Maria Montaner, councillor for Housing and Rehabilitation, Barcelona City Council.

Moderated by: Cristina Fallarás, journalist and writer


Wednesday 20 

9:15-11:00  Measure to plan. Generation of indicators and presentation of the state of affairs

With Carme Trilla, president of the Barcelona Metropolitan Housing Observatory, and ​​Mario Yoldi, director of Planning and Operative Processes in Housing of the Basque regional government.

Moderator: Beatriz Toribio, Director of Studies of Fotocasa

11:30-13:30 The role of the administrations in the crisis of access to housing in cities

With Javier Martin Ramiro, the Director-General of Architecture, Housing and Land at the Spanish Ministry of Public Works, Agustí Serra Monte, secretary of Urban Habitat and Territory at the Generalitat de Catalunya, and Javier Burón, manager of Housing and Rehabilitation, Barcelona City Council

Moderated by: Irene Peiró, journalist

15:00-16:00 Presentation of the BCN-NYC Challenge finalists

With Anna Majo, director of Digital Innovation, Barcelona City Council and Eduard Cabré, coordinator of International Relations from the Barcelona Housing and Rehabilitation Department

16:00-17:30 Intergenerational housing. Approaches to different vital needs  

With Gaspar Mayor, manager of the Municipal Housing Trust of Alicante, Zaida Muxí, architect and author of the book ‘Women, Houses and Cities’ and Ana Fernández, architect at Cohousing Lab.

Moderated by: Laia Grau, architect and urbanist

18:00-20:00 Work in progress. Presentation of six new-build projects and public housing renovation projects in Barcelona, presented by their architects

Moderated by: Joan Carles Melero, director of Technical Services at the IMHAB


Thursday 21 

09:15-11:00 Responses to the emergency: prevent, halt, house

With Judith Cobacho, SIPHO and Associació Vincle, Lucía Delgado, PAH Barcelona spokesperson, and Fernando Díaz, representing Càritas. Modera. Moderated by: Maria Assumpció Vilà, Ombudsman’s Office of Barcelona

11:30-12:30 Co-production with non-profit or limited-profit companies

With Ricard Fernández, manager of Social Rights at Barcelona City Council and Gerald Koessl, Austrian Federation of Limited Profit Housing Associations. Moderated by: Anna Gener, president of Aguirre Newman

12:30-13:30 Community Co-production: cooperatives in transfer of use and Community Land Trusts

With Joaquin de Santos, manager of the European project Sustainable Housing for Inclusive and Cohesive Cities (SHICC) in the Community Land Trust Bruxelles (CLTB), Maria Antònia Garcías Roig, manager of the Institute of Housing of the Balearic Islands (IBAVI), and Vanesa Valiño, Head of the Councillor’s Office for Housing and Rehabilitation, Barcelona
City Council. Moderated by: Mara Ferreri, post doctoral researcher at the IGOP (UAB)

15:00-16:00 Fight against gentrification

With David Bravo, architect and consultant at Barcelona City Council and Rui Neves Bochmann Franco, councillor for Housing and Local Development from Lisbon City Council. Moderated by: Núria Benach, Professor of Geography at the UB and a member of Espais Crítics

16:00-17:30 Collaboration and control to guarantee good use of housing

With Fuensanta Alcalá, director of Housing Discipline of the IMHAB, Joan Manel González, municipal architect in Santa Coloma de Gramenet, Nuria Pedrals, architect. Moderated by: Josep Casas, architect, co-director of the Postgraduate course in Housing Policies (COAC)

18:00-20:00 Generating affordable rental housing

With Bojan Schnabl, coordinator of the EUUA Housing Partnership, Reiner Wild, executive director of Mieterverein Berlin, Jaime Palomera,spokesperson of the Barcelona Tenants Union, and Elga Molina, Manager at the Social Rental Housing Pool at Tarragonès County Council,
a PhD in law and a senior lecturer in Civil Law at the URV. Moderated by: Laia Ortiz, deputy mayor of Social Rights, Barcelona City Council

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