Tanca Tanca

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

Details of the aid

Status: AVAILABLE

Recipients: Young people who are 35 years old or younger at the time of submitting the application.

Maximum monthly rent: Up to €950 for housing (up to €1,100 for large families, single-parent families and cohabitants with a member with a legally recognised disability and a favourable mobility scale); and up to €450 for rooms.

Family income limit: 2.928479 times the income sufficiency indicator (IRSC) for the year 2023.

Administration granting the subsidy​: Catalonia Housing Agency.

Rental assistance for young people

The Housing Agency of Catalonia grants these subsidies to young people 35 years old or younger, who will contribute to the payment of their rent or assignment of use of a dwelling or a room, with the objective of its maintenance. The aid in question is granted for the year of the call and consists of a maximum amount of €250/month.

This aid is intended for all persons residing in the city of Barcelona, holders of a rental contract, room, or transfer of use and whose home is their habitual and permanent residence in the territory of Catalonia.

Do you want to know how to apply?

In these drop-downs, you can find the requirements and the steps to follow to apply for this aid. Preferably, you can apply through the website of the Generalitat de Catalunya, or in person at the exchanges that are part of the Mediation Network for Social Renting, at local housing offices, at the offices of the Catalonia Housing Agency, and at the headquarters of the entity that owns or manages the housing.  

Recipients

These grants are intended for individuals who are 35 years old or younger on the date indicated in the corresponding call. The date on which they must be 35 years old is January 31, 2025.

Requirements

  • Have legal residence in Catalonia.
  • Have a regular source of income that reports annual income from the living unit equal to or less than 2.928479 times the income sufficiency indicator (IRSC), except in cases of victims of terrorism.
  • Be the holder, as a tenant, of the lease contract for the home or room, or, as an assignee, of the contract for the assignment of use of the home or room, object of the subsidy that constitutes their habitual and permanent residence in the territory of Catalonia, and be registered there. The home lease contract must be formalized in the terms of Title II of Law 29/1994, of 24 November, on urban leases, and must include compliance with the tenant's obligation to pay the deposit to the landlord, in accordance with the aforementioned Law.
    In the case of renting a room, it is not required that the formalization be in the terms of Law 29/1994, of 24 November, but it must have as its primary purpose the satisfaction of the permanent housing need of its tenant and it must be formalized in writing, with the identification of the subjects, the price of the lease and its validity. Likewise, in the event that the room rental is carried out by the tenant of the house, the written consent of the landlord must be obtained, in accordance with article 8.2 of Law 29/1994, of 24 November, on urban leases.
  • Not paying a monthly rent or transfer price for the house or room higher than the amounts established in the corresponding call resolutions.
  • Have the payment of the subsidy directly deposited in a financial institution.
  • Be up to date with the payment of the rental income or the transfer price at the time of submitting the application.
  • Pay the rent or transfer price of the home or room by bank transfer, direct debit receipt, deposit into account, Bizum or receipt issued by the person administering the property. In all cases, the following concepts must be included: the identification of the paying person, the identification of the person benefiting from the payment, the concept, the amount and the corresponding month.
  • Not be subject to any of the prohibitions for being a beneficiary of subsidies in accordance with article 13 of Law 38/2003, of 17 November, general on subsidies.
  • Fulfill tax obligations with the State and the Generalitat of Catalonia and obligations with Social Security.
  • Be up to date with payment obligations for the repayment of subsidies.

Documentation

Along with the application, the following documentation must be submitted:

  • Identity documents:
    • Valid national identity document (DNI).
    • European Union citizens: valid European Union citizen registration certificate.
    • Non-EU foreigners: valid NIE and foreign identity card (TIE).
  • Proof of income for the applicant and each of the working-age members of the cohabitation unit. Income must be proven as follows:
    • Personal income tax return for the immediately preceding tax period, with the deadline for submission having expired on the date of submission of the application, in accordance with the provisions of regulatory basis 5.1, for the applicant and each of the working-age members of the cohabitation unit.
      ​To determine the income of the person or cohabitation unit, for the purposes of its assessment for obtaining the subsidy, the amounts of the general tax base and savings, regulated by articles 48 and 49 of Law 35/2006, of 28 November, will be taken as a basis, corresponding to the declarations submitted by each of the members of the cohabitation unit, relating to the last tax period, with the submission deadline expired, at the time of the request for the subsidy.
    • In the case of widowhood, separation or victims of gender violence who had submitted a joint declaration in that year, the individual income of the members of the cohabitation unit corresponding to that year will be taken into account for the determination of income, accredited by means of the documentation provided for in the following sections.
    • In the event that the applicant or other members of the cohabitation unit of working age are not required to submit an income tax return, they must provide a certificate of imputations provided by the State Tax Administration Agency (AEAT) or the corresponding certificate of pensions or tax-exempt benefits or certificate of guaranteed income of citizenship or minimum vital income or, in the case of household workers, certificate of income and working life. Exceptionally, when the applicant or any member of the cohabitation unit proves that they have had a working life from the year prior to the publication of the call, the income from that year will be admitted. In this case, they must provide the imputation certificate provided by the State Tax Administration Agency (AEAT) and/or the certificate of income and withholdings of the company/s or the corresponding certificate of pensions or tax-exempt benefits, as well as the work life report.
      The exceptional income can only be applied to the year of the current call, without it being recurring for successive calls.
  • Family book, if applicable.
  • The rental contract or transfer of use in the name of the applicant. The housing rental contract must include compliance with the tenant's obligation to pay the deposit to the landlord, in accordance with Law 29/1994, of 24 November, on urban leases, and Law 13/1996, of 29 July, on the registration and deposit of deposits for urban property rental contracts, the Regulation that implements it and other corresponding provisions.
    In the event that the rental of the room is carried out by the tenant of the housing, the written consent of the landlord must be available, in accordance with article 8.2 of Law 29/1994, of 24 November, on urban leases.
    • In the event that the person applying for the subsidy who lives in the home is the spouse of the contractual owner or is included in the cases regulated by articles 15 and 16 of Law 29/1994, of 24 November, they must provide documentation proving the attribution of the right of use over the home, whether by subrogation, agreement or judgment of separation or divorce, or other legally valid titles.
    • In the cases of victims of gender violence who, as a result of a restraining order or court judgment, have the home attributed to them as their habitual and permanent residence, they may be recognized as having the right to receive the subsidy if they justify that they are responsible for paying the rent for the home.
  • To prove the status of victim of gender violence, it will be necessary to provide a means of proof qualified in accordance with article 33 of Law 5/2008, of 24 April, on the right of women to eradicate gender-based violence.
  • The rent or transfer receipts corresponding to the year of the call for applications paid up to the date of submission of the application. These receipts must be issued by any valid means of proof admitted in law.
  • In the cases of housing managed by local public companies and non-profit entities, the housing managers may present, in place of the paid rent receipts, a certificate stating the name and surnames of the applicants, the NIF, the identifying data of the housing and the months of rent paid.
  • Responsible declaration that they comply with the requirements established in these regulatory bases and that they do not meet any of the grounds for exclusion established in regulatory base 4.2.
  • Standard form, bank certificate of ownership or equivalent document, in the name of the applicant, with the bank details of the account into which the subsidy must be paid.
  • Documentation proving that the conditions for being able to benefit from the International Protection Plan in Catalonia, approved by the Government Agreement of 28 January 2014, are met.
  • Large family certificate.
  • Single-parent family certificate.
  • A responsible declaration regarding not having requested or obtained other public or private aid for the same purpose.
  • Certificate or flyer of cohabitation and/or historical certificate of cohabitation that accredits the address of the applicant and the people who form the cohabitation unit.
  • Accreditation from the department competent in matters of social affairs, in the case of people with a disability.
  • Certificate of not having debts with the State Tax Administration Agency (AEAT), the General Treasury of Social Security (TGSS) and the Tax Agency of Catalonia (ATC).
  • Working life (TGSS).
  • The accreditation of the condition of victim of terrorism or threatened must be done with the provision of a resolution from the Ministry of the Interior or a final court ruling.
  • Certificate of receipt of the guaranteed income of citizenship.
  • Certificate of receipt of the minimum vital income.
  • Document proving that you are a young person who has been ex-guarded.

Amount and application period

The amount of the subsidy will be:

  • 20% of the amount of the rent or annual transfer price when the effort to pay the rent or transfer price is equal to or less than 30% of your weighted income.
  • 30% of the amount of the rent or annual transfer price when the effort to pay the rent or transfer price is greater than 30% and less than 40% of your weighted income.
  • 40% of the amount of the rent or annual transfer price when the effort to pay the rent or transfer price is equal to or greater than 40% of your weighted income, with a maximum limit of 3,000 euros per year per beneficiary, and a minimum of 240 euros per year per beneficiary, when the resulting subsidy amount is less than this amount.

If there is more than one beneficiary of these subsidies, in the same home, the sum of the subsidies granted may not exceed 75% of the monthly amount of the rent or the transfer price. In the event that the amount of the subsidies on the same home exceeds the established limit, the amount of the subsidies for each beneficiary will be reduced in the corresponding proportion.

To determine the amount of the subsidy, the amount of the last receipt of the rent or the transfer price paid at the time of submitting the application will be taken into account. For this purpose, the amount of the receipt of the rent or the transfer price includes the rent or price, arrears and the amounts corresponding to the impact of the improvement works, the property tax (IBI) and the fee for the garbage collection service. This amount of the rental receipt or transfer price does not include the amount that may correspond to annexes such as garage spaces, storage rooms or similar.

The subsidy is granted for the year of the call. For people holding rental contracts signed between January 1 of the year of the call and the date on which the application period ends, the amount of the subsidy will be for the amount corresponding to the monthly payments included between the month following the effective date of the contract presented at the time of making the application and the month of December of the year of the call, with a maximum monthly amount of 250 euros per beneficiary and a minimum monthly amount of 20 euros.

The application period begins on June 30, 2025 at 09:00 and ends on July 11, 2025 at 14:00, both inclusive.

Incompatibilities

These subsidies are incompatible with the collection and/or bonus of other grants that come from any public administration or public or private entities for the same monthly payments of the same year and that have the same purpose.

They are also incompatible with the benefits and/or grants for the payment of rent from the Barcelona Housing Consortium, unless the benefit and/or grant for the payment of rent from the Consortium ends within the calendar year of this call and does not have the option of renewing according to the call for the benefits for the payment of rent from the city of Barcelona for the monthly payments not covered by this grant.

Other information

Computable income:

  • In the event that there are several holders of the lease or assignment contract in the same home who individually request this subsidy, the individual income of each applicant will be taken into account.
  • In the event that there are several holders of the lease or assignment contract in the same home and only one of them requests this subsidy, the individual income of the applicant will be taken into account.
  • In the event that several people live together in the same home and the applicant is the only holder of the lease or assignment contract, the income of the living unit will be taken into account.

In cases of gender violence, only the personal income or rent available to the applicant must be taken into account, and in the case of renting or assigning a room, the income of the other people who have their habitual or permanent residence in the home will not be included and only the income of the tenant or assignee of the room will be considered.

The income taken into account for obtaining the subsidy is that corresponding to the amounts of the general taxable base and savings, regulated in articles 48 and 49, respectively, of Law 35/2006, of 28 November, on personal income tax, corresponding to the declaration or declarations submitted by the applicant or by each of the members of the cohabitation unit, in accordance with the provisions of the previous section, relating to the last tax period, with the submission deadline having expired, at the time of the subsidy application.

In the case of newcomers, returning exiles and people with the right of asylum who have not obtained income in the Spanish State during the aforementioned tax period, the income obtained in the country from which they come during that tax period may be taken into account, as long as the duly translated supporting documentation is provided.

In the event that the applicant or any member of the cohabitation unit is not required to submit an IRPF declaration, the amounts accredited with the documentation established by the regulatory basis will be taken into account.

Exceptionally, in the case provided for in the regulatory basis, the income corresponding to the year prior to the publication of the call will be taken into account, as stated in the imputation certificate provided by the State Tax Administration Agency (AEAT) and/or the certificate of income and withholdings of the company/ies or the corresponding certificate of pensions or tax-exempt benefits.

The calculation for determining income includes the amounts of pensions and/or tax-exempt income that the applicant or any member of the cohabitation unit may receive.

In the calculation for determining income, the benefits received by the applicant or any member of the cohabitation unit will not be taken into account, in application of Law 39/2006, of 14 December, on the promotion of personal autonomy and care for people in a situation of dependency.

The amount of the aid for paying the rent received in the corresponding annuity, which appears in the positive net balance of the personal income tax return, is also not included in the previous calculation.