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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.​

Status: NOT AVAILABLE 

Recipients: Multi-family or single-family residential buildings located in Acoustically Stressed Zones in the city of Barcelona 

Maximum grant amount​: The lower amount between 3,000 euros per dwelling and 30,000 euros for buildings up to 20 dwellings; 40,000 euros for buildings of between 21 and 40 dwellings and 50,000 euros for buildings of more than 40 dwellings

Administration granting the subsidy​: Barcelona Housing Consortium

Details of the aid

Renovation to improve the acoustic quality

This line of subsidies, promoted by the Barcelona Housing Consortium, aims to improve the acoustic quality in the interior environment of buildings located on streets with high ambient noise both during the day and at night in the city of Barcelona. In this way, the call seeks to promote the rehabilitation of the existing building stock in the city.

The application processing will preferably be done telematically by accessing the Virtual Procedures Office of the Barcelona City Council. However, those individuals who do not have the technical means to do so can go to one of the Housing Offices throughout the city.

Do you want to know how to apply?

These dropdowns explain the requirements and process to apply for these grants.

Recipients

People living in buildings located in Acoustically Tensioned Zones, such as Special Regime Acoustic Zones (ZARE), Acoustically Tensioned Nighttime Zones (ZATHN), streets designated as C3, and streets where Ln > 65 dBA both on the building façade and on the street section.

Requirements

The beneficiaries must meet the following requirements:

  • They will have to be up to date in the fulfillment of the tax obligations and with Social Security. 
  • To access the social cohesion subsidies of up to 100% provided for in point 4.4 a), a maximum family income of three times the CSRI must be accredited, according to the family income table established in the Housing Plan in force, following that provided for in point 5.1.

In the case of buildings that include rented dwellings, only those dwellings will be subsidized which proves that:

  • As a minimum, they have a rental contract with a minimum term of five years, counting from the end of the construction certificate. In this sense, if applicable, the owners must accredit this condition with the certificate of completion, and provide the contracts or agreements, without any increase in the rent, in which the duration of the lease is extended.  
  • That they have rental prices below the maximum foreseen in the range of the reference index of rental prices of the Housing Agency of Catalonia (agenciahabitatge.gencat.cat/). In this sense, if applicable, the owners must accredit this condition within a maximum period of three months, counting from the certificate of completion of works, and provide the corresponding rental contract or addendum to the current contract and accreditation of the amount of the last receipt.
  • In the case of buildings that include empty dwellings at the time of applying for registration to this call, the granting of the subsidy will be conditioned to the inclusion of the aforementioned dwellings in the Barcelona Social Rental Exchange for five years. The fulfillment of this condition must be accredited, at the time of presenting the final certificate of works, using a certificate from the competent management of the Municipal Institute of Housing and Rehabilitation of Barcelona.
  • If the owner/s is not a regular and permanent user/s of the dwelling, to be eligible for the subsidies it will be necessary to have a rental contract that meets the requirements set out in the call for applications. If necessary, it will be verified ex officio that the census registration is at least one year before the date of publication of the call. 

Documentation

In all cases it is required: 

  • Standard application form

Accreditation of the applicant:​

  • DNI, NIE, or NIF of the person signing the application.
  • Documentation accrediting the representation of the entity or person on behalf of which he/she is acting.
  • For grants endorsed by the beneficiary in favor of the industrialist, the builder responsible for the work, or the administrator, the corresponding endorsement document must be duly signed. The endorsement document may also be presented at the time of submitting the documentation corresponding to the beginning and end of the work. 

Proof of ownership:

In the case of communities of owners:

  • Identification document of the Community (NIF).
  • Certificate of the minutes of the meeting of the Community in which the works for which the economic aid is requested are approved, and of the appointment of a representative of the community of owners, duly signed (standard form).
  • Responsible declaration of occupancy of the dwellings (standard form).

In the case of vertical properties (natural persons):

  • Informative simple note updated from the Land Registry.
  • DNI, NIF, or NIE of each one of the owners.
  • Authorization of the owners and agreement of the meeting in which the works for which the economic aid is requested are approved, and of appointment of a representative of the owners for the effects of the processing of aids (standardized form). 
  • Responsible declaration of the occupation of the entities of the building and that these are destined to habitual and permanent residence (standardized form).

In the case of vertical properties (legal entities):

  • Informative simple note updated from the Land Registry.
  • NIF of the company or the Community of Goods.
  • Supporting document that authorizes the representative to act and process the file on behalf of the company or of the Community of Goods.
  • In the case of the Community of Goods, the constitution of the Community of Goods. 
  • Responsible declaration of the occupation of the entities of the building and that these are destined to habitual and permanent residence (standardized form).

Technical documentation:​

  • The application for the building permit, as well as the payment of the license fees, must be consulted ex officio. The declared budget for calculating the tax must coincide with the material execution price. This amount has a limiting character in the calculation of the subsidies, following the criteria established in article 8 of the Bases. 
  • In the supposition that for the permission it is not obligatory to contribute a project, or that for the performance it is not obligatory the obtaining of a license will be contributed:
    • Technical memorandum, with the description of the works to be carried out and complementary and necessary attached technical documentation according to the type of action for which the aid is requested. 
  • Budget of the company that makes the works, duly broken down by each action and/or concept, as well as of the foreseen technical fees.
  • Certificate of habitability of each of the houses that make up the facade. 
  • Summary sheet of the cost of the work according to the budget presented with the application for registration (the standard form of the Housing Consortium of Barcelona).

At the end of the works:

  • Notification of completion of the works and application for benefits, according to standard form, within a maximum period of 3 months from the date of completion of works. 
  • All invoices and receipts duly issued, justifying the expenditure incurred. The assignment of the subsidy in favor of the contractor (endorsement) will have the same effects as a receipt.
  • The invoices and receipts delivered with the statement of completion of the works are the only ones to be taken into account in the calculation of the subsidy.     
  • The updated declaration of responsibility form must be attached if the situation of any of the dwellings is different from the one attached with the application for registration. 
  • As proof of the protected budget, any of the following documents, in addition to the invoices, can be provided:
    • Receipts
    • For the cases of deferred payments that expire after the end date of the justification periods established in the regulatory Bases.
  • Current bank transfer request.   
  • Summary sheet of the invoices and receipts of the cost of the works (the standard form of the Housing Consortium of Barcelona).
  • Final works certificate issued by the competent technician.

 

  • For vertical and horizontal properties:
    • In the case of empty dwellings to be put up for rent, it must be accredited that they have been made available to the Barcelona Social Rental Exchange at the time of the presentation of the completion of the works using a certificate from the competent management of the Municipal Institute of Housing and Rehabilitation of Barcelona.
    • In the case of rented housing, the rental contract must be provided following the provisions of section 2.2.3 of this call.
    • In the case of other types of contracts established in article 3 of the LAU it will be necessary to demonstrate that they have rental prices below the maximum foreseen in the reference index of rental prices of the Housing Agency of Catalonia (agenciahabitatge.gencat.cat/). In the case of shared apartments, the total sum of the different rented spaces will be below the fork. In the case of seasonal contracts, it will not be mandatory to extend the years of the rental contract.
       
  • For rented or empty dwellings in horizontal properties:   
    • In the case of empty dwellings to be put up for rent, it must be accredited that they have been made available to the Barcelona Social Rental Exchange at the time of the presentation of the completion of the works using a certificate from the competent management of the Municipal Institute of Housing and Rehabilitation of Barcelona. 
    • In the case of rented housing, the contracts or agreements extending the rental period for at least five years effective as of the certificate of completion of the work, without any rent increase, except for increases derived from the CPI, must be attached to the application.
    • The model of the updated responsible declaration of occupancy must be attached if the situation of any of the dwellings is different from the one attached with the application for registration.
    • The updated model of responsible declaration of rehabilitation aid (printed D) must be attached, if the situation is different from the one attached with the application for registration.
    • Photographs of the previous and subsequent state of the totality of the elements and spaces to be worked on. Images or reproductions obtained by means other than photography, such as images obtained from Google Maps or other computer applications, will not be accepted. 

Amount and application period

The amount of the subsidy will be the lesser of €3,000 per dwelling and €30,000 for buildings up to 20 dwellings; €40,000 for buildings between 21 and 40 dwellings and €50,000 for buildings with more than 40 dwellings.

This call is currently closed.

Compatibilities and incompatibilities

The aids provided for in this call are incompatible with any other aid for the same action, except for that provided for in Article 7 of the Regulatory Bases for cases of social aid granted by other entities, in which the aids will be cumulative.

The aids will also be compatible with the aid programs regulated by Royal Decree 853/2021, of October 5, which regulates the aid programs for residential rehabilitation and social housing of the Recovery, Transformation and Resilience Plan, provided that in these programs no aid is requested for the actions in windows and the total cost of the actions is not exceeded and provided that the regulation of the other aids admits it.

Eligible areas in Barcelona

Consult the maps of the areas of Barcelona eligible for aid in this link.

Call documents

Consult all the documents related to this call at the following link.

Other informations

Additional aid for social cohesion:​

Those persons who do not have the resources to face the payment of the rehabilitation works have these additional and complementary individual aids. In these cases, the beneficiary of the aid will have to request the registration of this resolution to grant aid in the Land Registry, following the provisions of article 136 of Law 18/2007 on the right to housing, article 31 of Law 38/2003 on general subsidies and article 74 of RD 1093/1997, which approves the complementary rules to the Regulation for the execution of the Mortgage Law on registration in the Land Registry of acts of urban nature.

The settlement will state the obligation to return the amount of the aid plus the expenses of settlement in the Property Registry and the legal interests accrued since its receipt in case of transfer of the property, except in the case of transfers Mortis causa when the person receiving the property accredits to be in the same economic circumstances that are required to access the aid and also destine the property to his habitual and permanent residence. The validity of this settlement will be of thirty years.

For all the programs of action in buildings, the owners can request a complementary aid of up to 100% of the individual contribution that corresponds to them to make for the corresponding action, as long as they fulfill the following requirements:

  • To be the owner of the affected dwelling and that this constitutes their habitual and permanent residence.
  • The family unit must accredit to have an income lower than three times the IRSC according to the table of family income established in the current Housing Plan.
  • Not having any other dwelling in the city of Barcelona.

If there is more than one owner of the property, the authorization of all the owners must be provided to be able to register the property in the Land Registry. All the conditions of this additional aid can be consulted on the bases of the call.