Benefit for the payment of mortgage repayments in special situations of imminent risk of losing the habitual residence in the city of Barcelona.
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.
– Household: For the purpose of these benefits, a household unit is defined as all individuals registered at the same address, regardless of whether they are related or not.
– Registration in the municipal register: Yes, applicants must be registered as residents in Barcelona at the time of application.
– Legal residence: Yes. Applicants must have legal residence in Spain, demonstrated with a valid residence permit.
– Required 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.
– Income: 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 | 2,075.97 euros | 24,911.79 euros |
| 2 members | 2,675.22 euros | 32,102.82 euros |
| 3 members | 2,790.29 euros | 33,483.58 euros |
| 4 members or more | 2,883.30 euros | 34,599.70 euros |
In the case of people with disabilities or severe dependency, the income may not exceed the following amounts:
| Household | Maximum income* (monthly, 12 payments) |
Maximum income* (annual) |
|---|---|---|
| 1 member | 3,113.96 euros | 37,367.68 euros |
| 2 members | 3,210.27 euros | 38,523.38 euros |
| 3 members | 3,348.34 euros | 40,180.30 euros |
| 4 members or more | 3,459.96 euros | 41,519.64 euros |
In no case may the income of the household be less than the mortgage payment for the dwelling.
– Assets: 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:
– 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’s monthly mortgage payments must not exceed a maximum of 900 euros.
– If, at the time of the decision, the applicant is no longer living in the residence for which the benefit was requested, the application will be denied due to non-compliance with the purpose of these benefits.
– 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.
– 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.
– 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 amount of the benefit requested must ensure the settlement of the existing debt.
– Applicants must be in a position to continue paying the repayments on their mortgage from the time the benefit claim is settled.
Incompatibilities:
These benefits are incompatible with any other rent assistance payments managed by the Catalan Housing Agency and with the receipt of any other financial assistance paid by any public body or administration for the same monthly payments in the same year that are intended for the same purpose. When the benefits are for different monthly payments, the total amounts to be received in a single calendar year may not exceed 4,500 euros.
These benefits are not available to those:
• 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.
• 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.
• 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.
Amount and frequency:
The benefit amount for mortgage repayment is determined based on the verified outstanding debt, with a maximum limit of 4,500 euros. The benefit can be awarded for a maximum debt period of twelve months, even if the total amount granted does not reach the maximum limit.