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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.​

Renovation to improve people’s quality of life

We offer a new line of subsidies for persons in a situation of vulnerability.

Renovation of interiors for those who most need it

With the aim of promoting the renovation of Barcelona’s public housing stock and guaranteeing a better quality of life, the Barcelona City Council has initiated a line of subsidies for persons in a situation of vulnerability in the city.

This line of subsidies is addressed to renovation for the interior improvement of homes to guarantee the minimum conditions of inhabitability, safety, accessibility, hygiene and energy efficiency by carrying out basic reforms in homes which persons in a vulnerable situation have made their permanent habitual residence.

Do you want to know how to apply for the subsidies?

These pull-down menus explain the requirements and the necessary steps for applying for this subsidy. The application can be submitted at any Barcelona Housing Office. The subsidy can also be requested via the procedures portal by way of this link.

Addressees

The beneficiaries of these subsidies may be natural persons in a situation of vulnerability or legal persons.

What are the requirements?

The beneficiaries of these subsidies may be natural persons in a situation of vulnerability or legal persons, and they must fulfil the following requirements:

In the case of natural persons:

  • The applicant must form part of the cohabitation unit and hold a legal title which legitimises him/her to occupy the home which it is proposed to include in this subsidy programme.
  • The applicant must be a habitual and permanent user of the home to be included in the programme.
  • The cohabitation unit must have a socio-economic report which certifies its situation of vulnerability.
  • The cohabitation unit must not have incomes greater than twice the IRSC. Greater incomes than this may only be admitted for cohabitation units who carry out exclusively actions of the type “functional adaptation actions” described in Annex 3 of the announcement. This circumstance does not signify exemption from the certification of the situation of vulnerability described in the previous point.
  • They must have the authorisation of the homeowner to carry out the necessary works.
  • They must not own any home in the city of Barcelona other than their permanent habitual home. Homes which fulfil any of the following conditions will not be subject to this requirement:
    • Homes outside the urban planning regulations with a final demolition order.
    • Homes declared to be in a state of ruin whose demolition has been ordered.
    • Homes which do not fulfil the minimum conditions of inhabitability laid down in the current regulations, provided the defects cannot be corrected by means of constructive solutions which do not affect the structure of the building. This situation must be certified by means of a technical certificate issued by a technician qualified to issue such technical reports.
    • Any home which, in a proceeding of nullity, separation or divorce or other similar situations, has been judicially assigned as the home of the other spouse or partner.
    • Any home which the applicant has had to abandon as a consequence of abuse formally reported to the competent authorities.
    • Homes which fulfil any of the cases of exception included in the regulations on the conditions for access to homes with official protection in the Right to Housing Plan at the moment of formalising the application for inclusion in this subsidy programme.

In the case of legal persons:

  • They must be non-profit entities which form part of the network of social insertion homes regulated in Article 23 of Decree nº 75/2014 of the Right to Housing Plan.
  • The cohabitation unit residing in the home must have a socio-economic report which certifies its situation of vulnerability.
  • The cohabitation unit must not have incomes greater than twice the IRSC. Greater incomes than this may only be admitted for cohabitation units who carry out exclusively actions of the type “functional adaptation actions” described in Annex 3 of the announcement. This circumstance does not signify exemption from the certification of the situation of vulnerability described in the previous point.
  • If the home is empty, the non-profit entity must certify by means of a statement of compliance that at the moment of occupation of the home the requirements set out in the two previous points will be fulfilled.

 

All the beneficiaries of the subsidies, whether natural or legal persons, must authorise the execution of the works related with the subsidies and fulfil the requirements of being up to date with their compliance with the tax obligations towards the State, the Government of Catalonia, the Barcelona City Council and the Social Security Institute, with the exception of the following cases:

  • Decease of the beneficiary.
  • The beneficiary no longer forms part of the cohabitation unit as a consequence of abuse formally reported to the competent authorities.

In the event of decease of the applicant, a change of applicant may be made provided the new applicant fulfils all the requirements of a beneficiary and is identified in the legal title which legitimises him/her to occupy the home associated with the subsidy (ownership, rental, cohabitation, usufruct, etc.)

 

Other requirements:

In order to access subsidies in actions of the type “functional adaptation actions” described in Annex 3, in addition to the above requirements, the applicant must fulfil one of the following:

  • He/she must have acknowledged and currently valid a degree of disability equal to or greater than 33% in the certificate of disability and with a positive reduced mobility rating.
  • He/she must have acknowledged and currently valid a degree of disability equal to or greater than 65%.

What actions are subsidisable?

  • Improvements in bathrooms: a series of actions with the principal aim of facilitating the activities related with personal hygiene.
  • Improvements in kitchens: a series of actions with the principal aim of improving the safety conditions to facilitate the everyday activities carried out in the kitchen.
  • General improvements: a series of actions with the principal aim of making adaptations to the general household environment to improve its conditions of inhabitability, mobility and safety.
  • Complementary actions of energy improvement of homes to prevent energy poverty: a series of actions which can complement the above improvements and aim to improve the energy efficiency of homes.
  • Functional adaptation actions: a series of actions with the principal aim of facilitating the everyday activities of people with disabilities, such as the incorporation of domotic elements and technology for universal accessibility and elements for improving communicative accessibility in the interior of the home.

The qualities of the subsidisable finishes and elements will be standard. No subsidies will be granted for any finishes of high quality or level which do not correspond to the construction standards for official protection homes.

What documentation has to be provided?

The original and a simple or certified photocopy of all the documents must be provided.

The technical documentation must be submitted duly signed by a competent technician and endorsed as indicated in the byelaws and the applicable general regulations.

1. In the application for registration and the technical report:

Accreditation of the applicant:

  • Identity document or tax code of the person signing the application.
  • Documentation certifying the representation of the entity or person on whose behalf the procedure is being conducted.

Accreditation of ownership:

  • Currently valid simple informative note from the Land Registry corresponding to the home referred to in the application, along with any legal titles which certify the legitimate occupation of the home which it is intended to include in the present subsidy programme.
  • Identity document or tax code of each of the owners.
  • Appointment, as the case may be, of a representative of the owners to the effects of processing the application (standardised form).

Statement of compliance

 

Technical documentation:

  1. The application for and obtainment of the planning permission, the project and the payment of the fees of the permission will be consulted ex officio. The declared quotation for calculating the fee must coincide with the price of execution and materials of the company performing the works.
  2. If it is not necessary to submit a project to apply for permission, or if it is not necessary to obtain permission for the action:
    1. Technical brief
    2. Diagram of the home before and after renovation
  3. Quotation from the company performing the works, duly broken down by each item, and the anticipated technical fees.
  4. The Barcelona Housing Consortium will have to draw up a socio-economic report which will consider the situation of vulnerability of the beneficiaries of the subsidies. For the drafting of this socio-economic report, the applicants must submit, on requirement, the following documentation or information:
  • The Family Register of the applicant for the subsidy.
  • Certification of incomes of the applicant’s family unit.
  • All the information or documentation considered appropriate for evaluating the situation of vulnerability of the applicants for and beneficiaries of the subsidy.
  • Documentation relating to leases:

Annex with the contracts or clauses extending the duration of the lease for at least five years from the moment the subsidy is granted, with no increase of the rent except for the increases deriving from the Consumer Price Index.

 

In the event of applying for a subsidy for actions of the type “Functional adaptation actions”:

To certify the degree of disability of the person with reduced mobility or sensorial disability, it is necessary to submit either of these documents:

  • Currently valid certificate of classification of the disability which includes the positive degree of reduced mobility (reduced mobility rating) or certifies the visual or auditive disability.
  • Currently valid individual card certifying the degree of disability which includes the positive degree of reduced mobility (reduced mobility rating) or certifies the disability.

 

2. At the start of works:

  1. Notification of start of works.
  2. Application for subsidies completing the standardised form.

 

3. At the completion of works:

  1. Notification of completion of works.
    This must be submitted completing the standardised form and attaching the original and a copy of all the duly issued invoices and receipts which justify the expenditure made. The grant of the subsidy in favour of the contractor will have the same effects as a receipt.
  2. Application for subsidies completing the standardised form, if not submitted at the start of works.
  3. Request for payment of the subsidy, completing the standardised form.
  4. Bank standing order document.
  5. Certificate from the Government of Catalonia stating that the applicant is up to date with all payments with the Catalan Tax Agency.
  6. Final works certificate issued by the competent technician.

The Barcelona Housing Consortium may request any complementary documentation to enlarge its knowledge concerning the submitted documentation.

 

In the case of applications referring to actions inside homes rented to persons in a situation of vulnerability, at the moment of submitting the application for registration in the present announcement it will be necessary to submit as an annex to the application the contracts or clauses extending the duration of the lease for at least five years from the moment the subsidy is granted, with no increase of the rent except for the increases deriving from the Consumer Price Index.

How are the subsidies requested?

The subsidies can be requested:

  • Preferably via the procedures portal.
  • In person, requesting prior appointment at one of the Housing Offices.
  • At the following e-mail address: fomentrehabilitacio@imhab.cat

Amount of the subsidy

Actions for the interior improvement of homes of persons in a situation of vulnerability must be intended to guarantee the minimum conditions of inhabitability, safety, accessibility, hygiene and energy efficiency by carrying out basic reforms in homes which persons in a vulnerable situation have made their permanent habitual residence. In these cases, the subsidy will be 100% of the cost of the action, up to a maximum of €9,000 per home (including VAT).

What are the periods for applying for the subsidy?

The period of submission of applications for registration in the announcement provided for in Article 36 of the Regulations will open on the day following the publication of this announcement in the DOGC and will close on 20 December 2021.

According to budgetary availabilities, modifications may be made to the admission period of applications for registration for the subsidy lines provided for in the present announcement. The modification, as the case may be, of the admission period of applications for registration will be made by means of a decision of the general manager of the Barcelona Housing Consortium which will be published in the DOGC and the BOPB.

The submission of the application for registration does not signify the generation of any economic right.

The Barcelona Housing Consortium may require the submission of the notification of completion of works within a maximum of six months from the issuance of the technical report. If the notification of completion of works is not submitted within this period, certified requirement will be made to the applicant to submit said notification within fifteen days or to duly justify the cause not imputable to the applicant for which the works have not been completed, stating that if he/she fails to do so he/she will be considered to have withdrawn his/her application, following a decision passed to that effect.

The request for payment of the granted subsidy will be formalised along with the submission of the notification of completion of works.

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