Benefit for the payment of mortgage repayments in special situations of imminent risk of losing the habitual residence.
The purpose of the special emergency economic benefits of special urgency is the permanence in the home of the applicant and his/her household and/or the access to a new home.
The benefits are provided as a result of social mediation and personal follow-up and are awarded on a non-refundable basis.
- Registration in the municipal register: Yes, the applicant must be registered in Catalonia at the time of application. This aid considers all the people registered in the dwelling even if they are not family.
Legal residence: Yes, the applicant must be a legal resident in the State of Spain.
- Necessary documentation: Spanish national identity document (DNI), valid certificate of registration as an EU national, identity number for foreign nationals (NIE), valid identity card for foreign nationals (TIE), document stating where a registered individual lives and with whom, family book. The applicant must be a legal resident in Catalonia.
- Income: The applicant’s household income must be no more than 2 times the weighted Catalonia Income Sufficiency Indicator (IRSC), in the case of people living alone, and no more than 2.5 times the weighted IRSC in the case of households with two or more members. In the case of Barcelona city, the household’s income in the last three months prior to the submission of the application may not exceed the following amounts*:
| Household | Maximum income* (monthly, 12 payments) |
Maximum income* (annual) |
|---|---|---|
| 1 member | 2,015.52 euros | 24,186.21euros |
| 2 members | 2,597.32 euros | 31,167.80 euros |
| 3 members | 2,709.03 euros | 32,508.35 euros |
| 4 members or more | 2,799.33 euros | 33,591.96 euros |
In the case of persons with disabilities or severe dependency, the income may not exceed 3 times the weighted IRSC, in the case of Barcelona city*:
| Household | Maximum income* (monthly, 12 payments) |
Maximum income* (annual) |
|---|---|---|
| 1 member | 3,023.28 euros | 36,279.32 euros |
| 2 members | 3,116.78 euros | 37,401.36 euros |
| 3 members | 3,250.84 euros | 39,010.02 euros |
| 4 members or more | 3,359.20 euros | 40,310.36 euros |
In no case may the income of the household be less than the rent of the dwelling.
- Wealth: Neither the applicant nor any other member of the household may have a dwelling in ownership or usufruct, unless he/she does not have the use and enjoyment of it due to separation or divorce or for any reason beyond his/her control, or when the dwelling is inaccessible due to the disability of the owner or any member of the household. A person is not considered to be the owner or usufructuary of a dwelling if the right is only over an aliquot part of the dwelling and has been obtained by transmission mortis causa.
- Recognised disability/Dependency: In the case of people with disabilities or severe dependency, the income threshold is made more flexible in order to facilitate access to benefits for this group (see section “Income”).
- Housing situation: Use the dwelling for the applicant’s habitual and permanent residence.
- Other requirements:
- Proof of the emergency and special need of the applicant’s household by means of a socio-economic report from the primary or specialised social services, in which it is proposed that the benefit be awarded for these reasons and because the family unit is in one of the situations of risk of residential exclusion.
- The applicant must be the holder of a mortgage loan on the dwelling that constitutes his or her habitual and permanent residence and must owe repayment instalments due to unforeseen and unexpected circumstances.
-The applicant must have paid the mortgage repayments for a minimum period of twelve months from the signing of the mortgage loan until the submission of the application.
- You must be in a position to continue paying the repayments on your mortgage from the time the benefit claim is settled.
- If, during the processing of the application, debt continues to accumulate, at the request of the applicant, the social services may propose the extension of the amount requested, within the limit of 4,500 euros, by means of a new supporting social report.
- A written undertaking must be provided requesting the filing of the lawsuit that has been lodged when the applicants are subject to judicial foreclosure proceedings.
- These benefits are not available to those:
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Persons with a legal entitlement to housing owned or managed by the Catalan Housing Agency, as well as those of any public administration in general.
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Persons who have received an offer to access housing from the public rental stock and have not accepted it, except for justified reasons, during a period of two years between the date of refusal and the date of the application for the subsidy.
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Persons who are entitled to compulsory social rent from a large housing owner, as a suitable alternative to their situation, unless there is good cause.
- The amount of the repayments of the mortgage loan to be paid by the person claiming the benefit may not exceed the following maximum monthly amounts:
| Territory | Maximum monthly mortgage repayments |
|---|---|
| Barcelona city | 900 euros |
| Barcelona Metropolitan Area* | 900 euros |
| Girona Province | 650 euros |
| Tarragona Province | 600 euros |
| Lleida Province | 600 euros |
| Les Terres de l’Ebre | 600 euros |
(*) Baix Llobregat, Barcelonès, Maresme, Vallès Occidental, and Vallès Oriental
- Where the amount of the benefit awarded has been less than the maximum benefit amount, a new benefit may be awarded up to this maximum amount, provided that proof of payment is provided for at least three monthly instalments between the last monthly benefit initially awarded and the date of the new application.
- Persons who have been in receipt of the benefit up to the maximum amount cannot apply again for another urgent and special financial benefit for the payment of mortgage repayments until at least one year has elapsed between the date of the decision to award the benefit and the new application.
- If, during the processing of the application, debt continues to accumulate, at the request of the applicant the social services may propose the extension of the amount requested, within the maximum limit established, by means of a new supporting social report.