In Barcelona and L'Hospitalet de Llobregat, the reality for many families illustrates this issue. Despite having stable incomes, some face repeated mortgage application rejections, forcing them to remain in rented accommodation in areas with a high proportion of foreign-born residents.

A clear example is that of a family who, despite having the salaries of four members, has had their mortgage application rejected four times. This situation compels them to continue living in a rented flat in the Torrassa neighborhood of L'Hospitalet, where over half of the residents are foreign-born.

Similarly, another family with a strong economic standing encounters obstacles in accessing the homes they desire and can afford. They currently sublet in Barcelona's Raval neighborhood, an area where 64% of residents were born abroad, demonstrating that payment capacity does not always guarantee access to desired housing.