{"id":7735,"date":"2025-12-12T15:46:51","date_gmt":"2025-12-12T13:46:51","guid":{"rendered":"https:\/\/www.avafin.es\/?p=7735"},"modified":"2026-07-23T10:52:34","modified_gmt":"2026-07-23T08:52:34","slug":"com-saber-si-em-donen-un-prestec-factors-clau-i-consells","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos","title":{"rendered":"Com saber si em donen un pr\u00e9stec? Factors clau i consells"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Quan sorgeix una necessitat econ\u00f2mica important \u2014ja sigui per pagar estudis, cobrir una despesa imprevista o reunificar deutes\u2014 una de les primeres preguntes que ens fem \u00e9s: <strong>com saber si em donen un pr\u00e9stec?<\/strong> Aquest dubte \u00e9s molt com\u00fa i, en molts casos, la manca d&#039;informaci\u00f3 clara genera frustraci\u00f3 i desconfian\u00e7a envers els bancs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La realitat \u00e9s que les entitats financeres apliquen criteris for\u00e7a estrictes abans d&#039;aprovar un cr\u00e8dit, i no sempre expliquen obertament el motiu d&#039;un rebuig. Moltes persones acaben pensant: \u201c<strong>necessito un pr\u00e9stec i ning\u00fa me&#039;l d\u00f3na<\/strong>\u201d, sense comprendre quins factors influeixen realment en aquesta decisi\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En aquesta guia completa t&#039;expliquem, pas a pas, qu\u00e8 miren els bancs per concedir un pr\u00e9stec, quins s\u00f3n els errors que cal evitar, i quins trucs et poden ajudar a millorar el teu perfil creditici. A m\u00e9s, si cerques finan\u00e7ament en bancs com BBVA o La Caixa, tamb\u00e9 et detallem els seus requisits espec\u00edfics i alternatives disponibles si la banca tradicional no \u00e9s una opci\u00f3. Una \u00e9s <strong><a href=\"https:\/\/www.avafin.es\/ca\/com-sol%c2%b7licitar-un-prestec\/\" target=\"_blank\" rel=\"noreferrer noopener\">Avafin<\/a>, <\/strong>on pots sol\u00b7licitar el teu pr\u00e9stec online de forma r\u00e0pida, sense paperassa ni condicions complicades.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndex<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #6a737c;color:#6a737c\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #6a737c;color:#6a737c\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#Los_3_factores_clave_que_analiza_el_banco\" >Els 3 factors clau que analitza el banc<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#1_Capacidad_de_endeudamiento_la_regla_del_35\" >1. Capacitat d&#039;endeutament: la regla del 35%<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#2_Historial_crediticio_%C2%BFque_sale_en_la_CIRBE_y_ASNEF\" >2. Historial creditici: qu\u00e8 surt a la CIRBE i ASNEF?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#3_Estabilidad_laboral_Antiguedad_y_tipo_de_contrato\" >3. Estabilitat laboral: Antiguitat i tipus de contracte<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#Trucos_para_que_te_concedan_un_prestamo_y_errores_a_evitar\" >Trucs perqu\u00e8 et concedeixin un pr\u00e9stec (i errors a evitar)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#%C2%BFUn_banco_puede_saber_si_tengo_un_prestamo_con_otro_banco\" >Un banc pot saber si tinc un pr\u00e9stec amb un altre banc?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#Mentir_en_la_finalidad_del_prestamo_%C2%BFFunciona_o_es_peligroso\" >Mentir a la finalitat del pr\u00e9stec: Funciona o \u00e9s perill\u00f3s?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#Como_mejorar_tu_perfil_ante_bancos_como_BBVA_o_La_Caixa\" >Com millorar el teu perfil davant de bancs com BBVA o La Caixa<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#%E2%80%9CNecesito_un_prestamo_y_nadie_me_lo_da%E2%80%9D_%C2%BFPor_que_me_rechazan\" >\u201cNecessito un pr\u00e9stec i ning\u00fa no m&#039;ho d\u00f3na\u201d: Per qu\u00e8 em rebutgen?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#Motivos_de_rechazo_que_no_te_dicen_Scoring_bajo\" >Motius de rebuig que no et diuen (Scoring baix)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#Alternativas_cuando_la_banca_tradicional_dice_%C2%ABNo%C2%BB\" >Alternatives quan la banca tradicional diu \u00abNo\u00bb<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#Documentacion_necesaria_para_pedir_un_prestamo_personal\" >Documentaci\u00f3 necess\u00e0ria per demanar un pr\u00e9stec personal<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#Requisitos_basicos_DNI_nomina_y_cuenta_bancaria\" >Requisits b\u00e0sics: DNI, n\u00f2mina i compte bancari<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#%C2%BFQue_papeles_piden_para_prestamos_de_mayor_importe\" >Quins papers demanen per a pr\u00e9stecs de m\u00e9s import?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#Preguntas_Frecuentes_sobre_concesion_de_creditos\" >Preguntes freq\u00fcents sobre concessi\u00f3 de cr\u00e8dits<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-saber-si-me-dan-un-prestamo-factores-clave-y-consejos\/#%C2%BFListo_para_dar_el_siguiente_paso\" >A punt per fer el seg\u00fcent pas?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Los_3_factores_clave_que_analiza_el_banco\"><\/span><strong>Els 3 factors clau que analitza el banc<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Abans d&#039;aprovar un pr\u00e9stec, qualsevol banc o entitat financera fa una an\u00e0lisi detallada del perfil del sol\u00b7licitant. No n&#039;hi ha prou de voler els diners: <strong>cal demostrar que pots tornar-ho i que ets un client de baix risc<\/strong>. Per aix\u00f2, \u00e9s important entendre <strong>qu\u00e8 miren els bancs per concedir un pr\u00e9stec<\/strong>. Aquests tres factors s\u00f3n els m\u00e9s determinants a lhora de prendre la decisi\u00f3 final.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Capacidad_de_endeudamiento_la_regla_del_35\"><\/span>1. Capacitat d&#039;endeutament: la regla del 35%<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>capacitat d&#039;endeutament<\/strong> reflecteix el percentatge dels teus ingressos mensuals que pots destinar a pagar deutes sense comprometre la teva estabilitat financera.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La majoria de les entitats apliquen la trucada <strong>\u201cregla del 35%\u201d<\/strong>, que indica que no hauries de superar aquest percentatge a les teves quotes mensuals (sumant tots els pr\u00e9stecs, hipoteques o targetes). Si est\u00e0s per sobre, \u00e9s molt probable que la teva sol\u00b7licitud sigui rebutjada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple:<\/strong><br>&nbsp;Si guanyes 1.500 \u20ac, les teves quotes mensuals (incloent-hi hipoteca, pr\u00e9stecs, targetes) no han de superar 525 \u20ac. Superar aquest l\u00edmit et posar\u00e0 en risc de rebuig autom\u00e0tic.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Consell:<\/strong> Si els teus deutes actuals superen aquest llindar, intenta cancel\u00b7lar o refinan\u00e7ar part abans de sol\u00b7licitar un nou cr\u00e8dit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Historial_crediticio_%C2%BFque_sale_en_la_CIRBE_y_ASNEF\"><\/span>2. Historial creditici: qu\u00e8 surt a la CIRBE i ASNEF?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El <strong>historial creditici<\/strong> \u00e9s com tu \u201cexpedient financer\u201d. Els bancs accedeixen a registres com la <strong>CIRB<\/strong> (Central d&#039;Informaci\u00f3 de Riscos del Banc d&#039;Espanya) o llistes de morosos com <strong>ASNEF<\/strong> per saber:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quins pr\u00e9stecs tens actius actualment<\/li>\n\n\n\n<li>Si ets al dia en els teus pagaments<\/li>\n\n\n\n<li>Si has tingut impagaments o deutes pendents<\/li>\n\n\n\n<li>Amb quines entitats has tingut relacions financeres<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si esteu en una llista com ASNEF o teniu un historial amb retards freq\u00fcents, aix\u00f2 pot reduir la vostra puntuaci\u00f3 i dificultar l&#039;aprovaci\u00f3. Per contra, un historial net \u00e9s un gran punt a favor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e9s informaci\u00f3 aqu\u00ed: <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-lhistorial-creditici\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Qu\u00e8 \u00e9s l&#039;historial creditici?<\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Estabilidad_laboral_Antiguedad_y_tipo_de_contrato\"><\/span>3. Estabilitat laboral: Antiguitat i tipus de contracte<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un dels aspectes que d\u00f3na m\u00e9s tranquil\u00b7litat als bancs \u00e9s saber que tens <strong>ingressos estables i recurrents<\/strong>. Per aix\u00f2, la teva situaci\u00f3 laboral hi juga un paper crucial.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Els perfils m\u00e9s valorats s\u00f3n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Treballadors amb contracte indefinit<\/strong><\/li>\n\n\n\n<li><strong>Funcionaris o empleats p\u00fablics<\/strong><\/li>\n\n\n\n<li><strong>Persones amb m\u00e9s d&#039;1 any d&#039;antiguitat al lloc actual<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si ets aut\u00f2nom o tens contractes temporals, no vol dir que no puguis obtenir un pr\u00e9stec, per\u00f2 ho haur\u00e0s de compensar amb altres elements positius (per exemple, menor nivell de deute o ingressos m\u00e9s alts).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Trucos_para_que_te_concedan_un_prestamo_y_errores_a_evitar\"><\/span><strong>Trucs perqu\u00e8 et concedeixin un pr\u00e9stec (i errors a evitar)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Con\u00e8ixer els criteris que valoren les entitats nom\u00e9s \u00e9s una part del proc\u00e9s. L&#039;altra \u00e9s saber com millorar el teu perfil i <strong>augmentar les probabilitats que t&#039;aprovin el pr\u00e9stec<\/strong>. De vegades, petits canvis en la manera com presentes la teva sol\u00b7licitud poden marcar la difer\u00e8ncia. Aqu\u00ed te&#039;n compartim alguns <strong>trucs perqu\u00e8 et concedeixin un pr\u00e9stec<\/strong> (fins i tot si t&#039;ho han denegat abans), a m\u00e9s a m\u00e9s d&#039;errors freq\u00fcents que hauries d&#039;evitar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFUn_banco_puede_saber_si_tengo_un_prestamo_con_otro_banco\"><\/span>Un banc pot saber si tinc un pr\u00e9stec amb un altre banc?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed, i \u00e9s una de les primeres coses que comproven. Gr\u00e0cies a eines com la <strong>CIRBE (Central d&#039;Informaci\u00f3 de Riscos del Banc d&#039;Espanya)<\/strong>, els bancs poden consultar si tens altres pr\u00e9stecs actius, independentment de amb quina entitat els hagis contractat. Aix\u00f2 inclou cr\u00e8dits personals, hipoteques, targetes de cr\u00e8dit i l\u00ednies de finan\u00e7ament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Qu\u00e8 implica aix\u00f2?<\/strong> Que <strong>no serveix de res amagar informaci\u00f3<\/strong>, ja que l&#039;entitat veur\u00e0 de manera clara quants deutes tens, els imports i el teu comportament de pagament. A m\u00e9s, si el vostre nivell d&#039;endeutament \u00e9s alt, pot afectar negativament el vostre scoring creditici i reduir les vostres possibilitats d&#039;aprovaci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per tant, si et preguntes <strong>\u201cun banc pot saber si tinc un pr\u00e9stec amb un altre banc\u201d<\/strong>, la resposta \u00e9s s\u00ed, i per aix\u00f2 \u00e9s clau tenir les teves finances ordenades abans de sol\u00b7licitar un nou cr\u00e8dit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mentir_en_la_finalidad_del_prestamo_%C2%BFFunciona_o_es_peligroso\"><\/span>Mentir a la finalitat del pr\u00e9stec: Funciona o \u00e9s perill\u00f3s?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Alguns pensen que <strong>mentir sobre la finalitat del pr\u00e9stec<\/strong> pot ajudar que li concedeixin. Per exemple, dir que \u00e9s per a estudis quan realment \u00e9s per reunificar deutes. Per\u00f2 compte: aquest <strong>canvi de finalitat del pr\u00e9stec<\/strong> pot tenir conseq\u00fc\u00e8ncies legals i financeres.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La nostra recomanaci\u00f3: sigues honest. Els bancs valoren la transpar\u00e8ncia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_mejorar_tu_perfil_ante_bancos_como_BBVA_o_La_Caixa\"><\/span>Com millorar el teu perfil davant de bancs com BBVA o La Caixa<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si busques <strong>trucs perqu\u00e8 et concedeixin un pr\u00e9stec BBVA<\/strong> o superar els <strong>requisits per demanar un pr\u00e9stec a La Caixa<\/strong>, segueix aquests consells:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Evita impagaments en els mesos previs a la sol\u00b7licitud<\/li>\n\n\n\n<li>Redueix l&#039;\u00fas de les targetes de cr\u00e8dit<\/li>\n\n\n\n<li>Presenta ingressos estables<\/li>\n\n\n\n<li>Aporta garanties o avals si \u00e9s possible<\/li>\n\n\n\n<li>Fes servir simuladors de pr\u00e9stec a les seves webs abans d&#039;anar-hi<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%80%9CNecesito_un_prestamo_y_nadie_me_lo_da%E2%80%9D_%C2%BFPor_que_me_rechazan\"><\/span><strong>\u201cNecessito un pr\u00e9stec i ning\u00fa no m&#039;ho d\u00f3na\u201d: Per qu\u00e8 em rebutgen?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si heu pensat m\u00e9s d&#039;una vegada \u201c<strong>necessito un pr\u00e9stec i ning\u00fa me&#039;l d\u00f3na<\/strong>\u201d&quot;, no est\u00e0s sol. \u00c9s una situaci\u00f3 m\u00e9s comuna del que sembla, i sol venir acompanyada de confusi\u00f3 i frustraci\u00f3. Moltes vegades les entitats <strong>no expliquen clarament el motiu del rebuig<\/strong>, cosa que deixa els sol\u00b7licitants sense saber com millorar o quines opcions els queden. A continuaci\u00f3, t&#039;expliquem <strong>les raons m\u00e9s habituals per les quals es rebutgen pr\u00e9stecs<\/strong> i quines alternatives podeu considerar si els bancs tradicionals us han dit que no.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Motivos_de_rechazo_que_no_te_dicen_Scoring_bajo\"><\/span>Motius de rebuig que no et diuen (Scoring baix)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un dels motius m\u00e9s comuns \u00e9s tenir un <strong>scoring bancari baix<\/strong>. Aquest \u00e9s un sistema de puntuaci\u00f3 interna que valora el teu perfil financer i el risc d&#039;impagament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Factors que el baixen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pocs anys com a client<\/li>\n\n\n\n<li>Haver sol\u00b7licitat molts pr\u00e9stecs recentment<\/li>\n\n\n\n<li>Tenir impagaments, encara que ja estiguin saldats<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Alternativas_cuando_la_banca_tradicional_dice_%C2%ABNo%C2%BB\"><\/span>Alternatives quan la banca tradicional diu \u00abNo\u00bb<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si la resposta del banc \u00e9s negativa, no tot est\u00e0 perdut. Pots considerar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pr\u00e9stecs entre particulars<\/li>\n\n\n\n<li>Empreses de cr\u00e8dits r\u00e0pids (encara que amb m\u00e9s interessos)<\/li>\n\n\n\n<li>Pr\u00e9stecs amb garantia de cotxe o habitatge<\/li>\n\n\n\n<li>Plataformes P2P (finan\u00e7ament entre persones)<\/li>\n\n\n\n<li>O b\u00e9 optar per solucions com <strong><a href=\"https:\/\/www.avafin.es\/ca\/com-sol%c2%b7licitar-un-prestec\/\" target=\"_blank\" rel=\"noreferrer noopener\">Avafin<\/a>,<\/strong> una entitat financera digital que estudia cada cas de manera personalitzada i sense les barreres tradicionals de la banca.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Abans de prendre una decisi\u00f3, informa&#039;t b\u00e9 sobre com sol\u00b7licitar un pr\u00e9stec responsablement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documentacion_necesaria_para_pedir_un_prestamo_personal\"><\/span><strong>Documentaci\u00f3 necess\u00e0ria per demanar un pr\u00e9stec personal<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quan decideixes sol\u00b7licitar un cr\u00e8dit, un dels passos m\u00e9s importants \u00e9s <strong>preparar correctament la documentaci\u00f3<\/strong>. Lliurar els papers adequats des del comen\u00e7ament no nom\u00e9s accelera el proc\u00e9s, sin\u00f3 que <strong>evita rebutjos innecessaris per manca d&#039;informaci\u00f3<\/strong>. A continuaci\u00f3, t&#039;expliquem quins s\u00f3n els <strong>requisits b\u00e0sics per demanar un pr\u00e9stec<\/strong> i quins documents addicionals et poden demanar si sol\u00b7licites una quantitat m\u00e9s elevada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Requisitos_basicos_DNI_nomina_y_cuenta_bancaria\"><\/span>Requisits b\u00e0sics: DNI, n\u00f2mina i compte bancari<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Els documents m\u00e9s comuns que et demanaran:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DNI o NIE en vigor<\/li>\n\n\n\n<li>\u00daltimes 2 o 3 n\u00f2mines<\/li>\n\n\n\n<li>Extractes bancaris<\/li>\n\n\n\n<li>Justificant de domicili<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_papeles_piden_para_prestamos_de_mayor_importe\"><\/span>Quins papers demanen per a pr\u00e9stecs de m\u00e9s import?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Per a imports alts (superiors a 20.000 \u20ac), \u00e9s probable que et demanin, a m\u00e9s:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Declaraci\u00f3 de la renda (IRPF)<\/li>\n\n\n\n<li>Vida laboral actualitzada<\/li>\n\n\n\n<li>Avals o garanties<\/li>\n\n\n\n<li>Contracte de compravenda si el pr\u00e9stec \u00e9s per a cotxe o immoble<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_Frecuentes_sobre_concesion_de_creditos\"><\/span><strong>Preguntes freq\u00fcents sobre concessi\u00f3 de cr\u00e8dits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1765546935376\"><strong class=\"schema-faq-question\"><strong>Com puc saber si em poden fer un pr\u00e9stec sense n\u00f2mina?<\/strong><\/strong> <p class=\"schema-faq-answer\">Tot i que \u00e9s m\u00e9s dif\u00edcil, <strong>s\u00ed que es pot aconseguir un pr\u00e9stec sense n\u00f2mina<\/strong> si:<br\/>\u2013 Tens ingressos recurrents (per exemple, pensi\u00f3 o lloguer)<br\/>\u2013 Pots presentar un aval<br\/>\u2013 Est\u00e0s disposat a oferir una garantia<br\/>Algunes entitats ofereixen productes espec\u00edfics per a aquests casos.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1765546956532\"><strong class=\"schema-faq-question\"><strong>Quan triguen a dir-te si et concedeixen el pr\u00e9stec?<\/strong><\/strong> <p class=\"schema-faq-answer\">Dep\u00e8n del tipus important:<br\/>\u2013 Bancs tradicionals: entre 3 i 10 dies laborables<br\/>\u2013 Financeres online: resposta en 24 hores o menys<br\/>Assegureu-vos d&#039;enviar tota la documentaci\u00f3 correctament per evitar demores.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1765546973822\"><strong class=\"schema-faq-question\"><strong>Puc demanar un pr\u00e9stec per pagar un altre pr\u00e9stec?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed, i de fet \u00e9s una pr\u00e0ctica comuna anomenada <strong>reunificaci\u00f3 de deutes<\/strong>. Per\u00f2 <strong>el canvi de finalitat del pr\u00e9stec<\/strong> ha de ser autoritzat pel banc, i podria implicar noves condicions o garanties.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Saber si et concediran un pr\u00e9stec dep\u00e8n de molts factors: el teu historial, els teus ingressos, la teva feina i el teu comportament financer. Si b\u00e9 no hi ha f\u00f3rmula m\u00e0gica, aplicar aquests <strong>trucs perqu\u00e8 et concedeixin un pr\u00e9stec<\/strong> pot marcar la difer\u00e8ncia entre un s\u00ed i un no.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I si sents que \u201c<strong>necessito un pr\u00e9stec i ning\u00fa me&#039;l d\u00f3na<\/strong>\u201d&quot;, no desesperis. Hi ha opcions m\u00e9s enll\u00e0 dels bancs. Per exemple, a <strong><a href=\"https:\/\/www.avafin.es\/ca\/com-sol%c2%b7licitar-un-prestec\/\" target=\"_blank\" rel=\"noreferrer noopener\">Avafin<\/a><\/strong> pots sol\u00b7licitar un pr\u00e9stec 100% en l\u00ednia, amb condicions clares i sense complicacions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vols m\u00e9s consells? Visita la nostra guia de <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/trucs-perque-et-concedeixin-un-prestec\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>trucs perqu\u00e8 et concedeixin un pr\u00e9stec<\/strong><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"%C2%BFListo_para_dar_el_siguiente_paso\"><\/span>A punt per fer el seg\u00fcent pas?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Demana el teu pr\u00e9stec a AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Cuando surge una necesidad econ\u00f3mica importante \u2014ya sea para pagar estudios, cubrir un gasto imprevisto o reunificar deudas\u2014 una de las primeras preguntas que nos hacemos es: \u00bfc\u00f3mo saber si me dan un pr\u00e9stamo? Esta duda es muy com\u00fan y, en muchos casos, la falta de informaci\u00f3n clara genera frustraci\u00f3n y desconfianza hacia los bancos. [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":7737,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[23,21],"tags":[],"class_list":["post-7735","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacion-financiera","category-prestamo"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfC\u00f3mo saber si me dan un pr\u00e9stamo? 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Pero <strong>el cambio de finalidad del pr\u00e9stamo<\/strong> debe ser autorizado por el banco, y podr\u00eda implicar nuevas condiciones o garant\u00edas.","inLanguage":"ca"},"inLanguage":"ca"}]}},"jetpack_publicize_connections":[],"featured_media_link":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/12\/como-saber-si-me-dan-un-prestamo-768x474.jpg","category":{"color":"#010440","link":"http:\/\/www.avafin.es\/ca\/blog\/educacion-financiera","text":"Educaci\u00f3n financiera"},"_links":{"self":[{"href":"http:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/7735","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"http:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/comments?post=7735"}],"version-history":[{"count":0,"href":"http:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/7735\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media\/7737"}],"wp:attachment":[{"href":"http:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media?parent=7735"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/categories?post=7735"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/tags?post=7735"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}