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

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.​

Details of the aid

Status: NOT AVAILABLE since 15/07/2022

Recipients: People up to the age of 36 who are up to date with payment of their rent but struggling to pay

Family income limit: 2-3 times the Minimum Living Wage (IRSC)

Maximum monthly rent: Up to €900 for dwellings; up to €450 for rooms.

Administration that grants the aid: Housing Agency of Catalunya (Agència de l’Habitatge de Catalunya)

Support for payment of short-term or long-term rent

The Housing Agency of Catalonia (Agència Catalana de l'Habitatge) awards this support to help people up to the age of 36 who cannot afford their rent. The support is awarded by public competitive application, under which applications submitted in the specified time are ranked on the basis of the scoring systems set out in the rules for the award of rent support.

There is more information about this support on the website of the Generalitat de Catalunya.

What do you need to know to apply for this support?

These dropdowns show the requirements and the steps to follow to apply for this support. You can submit your application at any office of the Housing Agency of Catalunya (Oficina de l’Habitatge de Barcelona) or via the website of the Generalitat.

Recipients

People up to the age of 36 at the time of submission of their application who meet the requirements and who are tenants under a short or long-term tenancy of a dwelling or room that is their habitual, permanent residence within Catalonia.

Eligibility Requirements

  1. Be lawfully resident in Catalonia
  2. Be 36 or younger at the time of submission of the application.
  3. Regular household income  out of which to pay rent not exceeding €22,548.67 (2.831267 times the Minimum Living Wage (IRSC), other than in the case of victims of terrorism.
  4. Be the tenant under a long or short-term tenancy of a dwelling or room which is their habitual permanent residence in Catalonia. Be registered to vote at this address.
  5. Not pay monthly rent in excess of the following amounts:
    1. Rent for dwellings
      • Barcelona Metropolitan Area (Baix Llobregat, Barcelonès, Maresme, Vallès Occidental, Vallès Oriental): €900.
      • Rest of Barcelona: €650.
    2. Rent for rooms
      • Barcelona Metropolitan Area (Baix Llobregat, Barcelonès, Maresme, Vallès Occidental, Vallès Oriental): €450.
      • Rest of Barcelona: €350 euros.
  6. Receive payment of the support to a bank account.
  7. Be up to date with payment of rent at the time or submission of the application or provide receipts for payment of 3 instalments of rent.
  8. At the time of submission of the application, pay rent by bank transfer, standing, account transfer, Bizum or receipt issued by the person who manages the accommodation.
  9. Not be subject to any ground of disentitlement to receive support under Law 38/2003 of 17 November to make general provision concerning support from public funds and not have been the subject of any procedure for the revocation of public support under Royal Decree 106/2018 of 9 March or under the previous National Housing Plan for breach or any reason attributable to the applicant.
  10. Be up to date with all obligations in relation to tax with the National Treasury and the Regional Government and in relation to Social Security. (That status will be confirmed by the awarding body of its own motion before award)

Documentation

The documentation required to show an applicant meets the requirements required by the rules for the award, except for the instances in which the awarding body can itself obtain the information (marked (*) ), is:

  1. Identity Documents:
    • Current National Identity Document (*)
    • Citizens of Member States of the European Union: current certificate of registration of European Union citizens.
    • Non-EU foreign nationals: Foreign National Identity Number or Foreign National Identity Card (TIE)
  2. Certificate or declaration of co-habitation confirming the address of the applicant and the identity of the people who constitute the applicant’s household.(*)
  3. Evidence of the income of the applicant and of each member of the applicant’s household of working age. Depending on circumstances, the following evidence should be provided:
    • Income tax (IRPF) declaration for the tax year ended immediately before the year of submission (2020) for the applicant and each member of the applicant’s household of working age.  (*)
    • Certificate of contribution record issued by the State Tax Agency of the Tax Authority (Agència Estatal de l'Administració Tributària (AEAT)) or the relevant certificate for tax-exempt pensions or benefits if any member of the household is not required to make an income tax (IRPF) declaration. (*)
  4. Family book, if any.
  5. Tenancy agreement in the name of the applicant, which must show compliance with the tenant’s obligation under current law to pay a deposit to the landlord .
    • Where a room is rented out by a tenant of the dwelling, the written consent of the landlord must be provided.
    • In the event that the applicant who resides in the dwelling is the spouse of the tenant, the application must be accompanied by documentary evidence of the spousal right of residence in the dwelling.
    • Women who are victims of gender-based violence and who under a separation order or judgment of a court have been awarded the dwelling as their sole habitual permanent residence may be recognised as entitled to receive the support if they can show that they are responsible for paying the rent.
  6. Evidence of being a victim of gender-based violence as described by Article 33 of Law 5/2008 of 24 April to enact the right of women to eradicate male violence towards women.
  7. All rent receipts for the year 2022 for rent paid up to the date of submission of the application or confirmation of payment of at least 3 months’ rent. The receipts must be for: bank transfer, standing order, account transfer, Bizum or receipt issued by the person who manages the dwelling. Receipts must show the names of the tenant and the landlord, state that they are for rent and the month.
  8. Official print or equivalent document in the name of the applicant showing details of the account to receive payment of the support.
  9. Evidence of status as a victim of terrorism or person at threat under the appropriate decision of the Ministry of the Interior or final court judgement.
  10. Documentary evidence of satisfaction of the requirements to be subject to the Plan for International Protection in Catalonia under the Governmental Accord of 28 January 2014..
  11. Current of Large Family Certificate. (*)
  12. Current Single-Parent Family Certificate. (*)
  13. Registration document from the Department for Social Rights in the case of persons with disability. (*)
  14. No Outstanding Obligation Certificate issued by the State Tax Agency of the Tax Authority (Agència Estatal d’Administració Tributària (AEAT)), the General Treasury of Social Security (TGSS) and the Tax Agency of Catalonia (ATC).(*)

The Housing Agency of Catalonia (Agència de l'Habitatge de Catalunya) can itself request either directly or through other government bodies with which it works to administer this support the documents that it deems necessary to complete the file.

Amount and period of support

Aquesta subvenció s’atorga per a l’any de la convocatòria.

  • This support is awarded for the year in which applications are accepted.
  • Amount: The support will be 20% of the amount of the annual rent when that rent represents 30% or less of your weighted earnings. It will be 30% of the amount of the annual rent when that rent represents more  than 30% and less than 40% of your weighted earnings under the paragraph above. d’acord amb l’apartat anterior. It will be 40% of the amount of the annual rent when that rent represents more  than 40% of your weighted earnings. Monthly support of  €200 and €2,400 annually.
  • The amount will be determined on the basis of the receipt for the rent for the month preceding the month of submission of the application. That amount includes: rent, arrears, improvement works and Buildings Tax (IBI) and waste collection charges.
  • If after the submission of an application and before an award decision is made, the applicant submits a new tenancy or an addendum to the existing tenancy or an agreement entered into by the parties, provided that with the documents originally submitted the requirements were met, the new documents will be used for the calculation of the amount of the rent, which is paid under the new terms.
  • For tenancies entered into between 1/1/2022 and the closing date for Applications: the support will be paid for the months from the month following the date of the tenancy until and including December 2022 (monthly amount €20-200).

Grounds of exclusion

This support cannot be combined with:

  • Receipt of other support for the same monthly payments from any government body or private organisation which have the same purpose, the total amount of amounts to be received in any year may not exceed €4,500.
  • Housing benefit paid by the Housing Association of Barcelona (Consorci de l’Habitatge de Barcelona)

Other information

Details of support:

  • This support is awarded for the year in which applications are accepted.
  • If after the submission of an application and before an award decision is made, the applicant submits a new tenancy or an addendum to the existing tenancy or an agreement entered into by the parties, provided that with the documents originally submitted the requirements were met, the new documents will be used for the calculation of the amount of the rent, which is paid under the new terms.

Payment of support:

  • Payment of the support is conditional on the availability of the budgetary resources set out in the rules for the process of application and to the Housing Agency of Catalonia (Agència de l'Habitatge de Catalunya) has knowledge that the recipient is up to date with payment of rent through submission of rent receipts by no later than 30 June 2023.
  • The support is required to be paid into a bank account.
  • The support may be paid directly to the recipient or with the recipient’s express consent to any person who provides a guardianship or intermediary service to whom the right of receipt is transferred.

The following may not be recipients of the support:

  • Households in which the tenant or any other member of the household is related by marriage or another equivalent stable relationship, family relationship, adoption or any other family relationship up to the second degree with the landlord(s). This rule also applies to the relationship between the landlord and the tenant when the landlord is a company relative to the members of or shareholders in the company .
  • Households in which the tenant or any other member of the household is the tenant of a dwelling except where they do not have use or enjoyment of that dwelling.
  • Households in which in which the amount of taxable savings shown in the income tax (IRPF) declaration is above €500, with the allowed exceptions to the taxable savings.
  • Tenants of dwellings managed or administered by the Housing Agency of Catalonia (Agència de l’Habitatge de Catalunya).

Prioritisation principles for the assessment and ranking of applications:

  • Subject to the availability of funds, applications will be determined a process of public competitive application with evaluation of applications submitted within the time specified using the scoring system in Rule 11 of the rules for award in a process of competitive public application for support for the payment of rent.
  • Equal final scores following application of the scoring system referred to will be ranked in recorded order of submission with complete documentation.

Tax:

Given that the support for payment of rent is paid from public funds and constitutes taxable personal income, if the recipient has on any basis received (including payment of the support for payment of rent) more than €1,000 gross non-exempt annual income, the recipient is obliged to submit an income tax (IRPF) declaration which includes the amount of support paid.