{"id":7365,"date":"2025-11-17T14:32:06","date_gmt":"2025-11-17T12:32:06","guid":{"rendered":"https:\/\/www.avafin.es\/?page_id=7365"},"modified":"2026-08-24T16:48:38","modified_gmt":"2026-08-24T14:48:38","slug":"dificils","status":"publish","type":"page","link":"https:\/\/www.avafin.es\/ca\/prestamos\/dificiles","title":{"rendered":"Pr\u00e9stecs dif\u00edcils: quins factors influeixen a l&#039;aprovaci\u00f3 d&#039;una sol\u00b7licitud"},"content":{"rendered":"<p class=\"wp-block-paragraph\">No totes les sol\u00b7licituds presenten el mateix nivell de complexitat. Quan es parla de <strong>pr\u00e9stecs dif\u00edcils<\/strong>, no es fa refer\u00e8ncia a un producte espec\u00edfic, sin\u00f3 a aquelles sol\u00b7licituds l&#039;avaluaci\u00f3 dels quals requereix una an\u00e0lisi m\u00e9s detallada. En aquesta p\u00e0gina us expliquem quins aspectes poden influir en l&#039;aprovaci\u00f3 d&#039;un pr\u00e9stec i com funciona el proc\u00e9s d&#039;an\u00e0lisi de AvaFin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Moltes persones busquen <strong>pr\u00e9stecs dif\u00edcils en l\u00ednia<\/strong> despr\u00e9s de rebre una negativa a una altra entitat, i no sempre saben per qu\u00e8. L&#039;objectiu d&#039;aquesta p\u00e0gina \u00e9s que entenguis els criteris generals de concessi\u00f3 i qu\u00e8 pots fer per millorar les teves possibilitats, sempre des de la transpar\u00e8ncia: cap entitat seriosa no pot garantir l&#039;aprovaci\u00f3, per\u00f2 s\u00ed explicar amb claredat com es pren la decisi\u00f3 i quins factors hi pesen m\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Consulta les opcions de finan\u00e7ament<\/strong><\/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\">Descobreix la rapidesa amb qu\u00e8 pots tenir els diners al teu compte.<\/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>\n\n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container av-image-left\"><div class=\"av-itd-content-column\"><h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_se_entiende_por_un_prestamo_dificil\"><\/span><strong>Qu\u00e8 s&#039;ent\u00e9n per un pr\u00e9stec dif\u00edcil?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p class=\"wp-block-paragraph\">Un <strong>pr\u00e9stec dif\u00edcil<\/strong> no \u00e9s una categoria de producte, sin\u00f3 una forma de descriure les sol\u00b7licituds l&#039;aprovaci\u00f3 de les quals resulta menys immediata perqu\u00e8 intervenen factors que requereixen un estudi m\u00e9s cur\u00f3s. A AvaFin oferim un \u00fanic pr\u00e9stec personal de curta durada, i cada sol\u00b7licitud, senzilla o complexa, s&#039;avalua de forma individual.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/que-se-entiende-por-un-prestamo-dificil.jpg\" alt=\"Pr\u00e9stecs dif\u00edcils\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Quan una sol\u00b7licitud es pot considerar m\u00e9s complexa?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan concorren circumst\u00e0ncies que dificulten confirmar la capacitat de pagament: ingressos poc estables, incid\u00e8ncies a l&#039;historial o informaci\u00f3 dif\u00edcil de verificar. No implica un rebuig autom\u00e0tic, sin\u00f3 una an\u00e0lisi m\u00e9s detallada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Per qu\u00e8 no totes les sol\u00b7licituds reben la mateixa avaluaci\u00f3?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Perqu\u00e8 cada perfil \u00e9s diferent. Dues sol\u00b7licituds amb el mateix import poden tindre un resultat diferent segons els ingressos, l&#039;historial i el conjunt de la situaci\u00f3 econ\u00f2mica de cada persona.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">La import\u00e0ncia de l&#039;an\u00e0lisi individual<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;an\u00e0lisi individual permet valorar el cas complet i no descartar alg\u00fa per una \u00fanica dada; \u00e9s el que distingeix una entitat que estudia els <strong>pr\u00e9stecs dif\u00edcils<\/strong> d&#039;una altra que rebutja sense m\u00e9s ni m\u00e9s. Pots con\u00e8ixer les condicions generals a la nostra p\u00e0gina de <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pr\u00e9stecs personals<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_factores_pueden_influir_en_la_aprobacion_de_un_prestamo\"><\/span><strong>Quins factors poden influir a l&#039;aprovaci\u00f3 d&#039;un pr\u00e9stec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aquests s\u00f3n els principals factors que es tenen en compte en estudiar una sol\u00b7licitud que es percep com un <strong>pr\u00e9stec dif\u00edcil<\/strong>. Entendre&#039;ls ajuda a saber <strong>per qu\u00e8 no aproven un pr\u00e9stec<\/strong> en alguns casos.<\/p>\n\n\n<section id=\"cards-group-block_732bce47322bf2b71ce4d962c6d1b029\" class=\"av-cards-group   av-cards-group-5 av-card-group-standard\" >\n            <div id=\"card-0\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/shopping_cart_red.jpg\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"\"\/>\n                    <\/div>\n                                                <h3><p><strong>Capacitat de devoluci\u00f3<\/strong><\/p>\n<\/h3>\n                                                <p><p><span style=\"font-weight: 400;\">\u00c9s el factor m\u00e9s important. Es comprova que l&#039;import i el termini escollits encaixen al teu pressupost sense comprometre les despeses essencials. Una <\/span><b>capacitat de devoluci\u00f3<\/b><span style=\"font-weight: 400;\"> folgada millora les possibilitats.<\/span><\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-1\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/01\/coins_euro_red-1.jpg\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"\"\/>\n                    <\/div>\n                                                <h3><p><strong>Estabilitat dels ingressos<br \/>\n<\/strong><\/p>\n<\/h3>\n                                                <p><p><span style=\"font-weight: 400;\">No n&#039;hi ha prou de tenir ingressos: importa que siguin regulars i previsibles. Uns ingressos estables aporten seguretat a l&#039;avaluaci\u00f3, encara que no siguin procedents d&#039;una n\u00f2mina tradicional.<\/span><\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-2\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/transparent_red.jpg\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"\"\/>\n                    <\/div>\n                                                <h3><p><strong><b>Historial financer<\/b><\/strong><\/p>\n<\/h3>\n                                                <h3><p><span style=\"font-weight: 400;\">El <\/span><b>historial financer<\/b><span style=\"font-weight: 400;\"> reflecteix el teu comportament de pagament anterior. Un historial positiu suma; una incid\u00e8ncia puntual no sempre exclou, per\u00f2 es valora dins del conjunt del <\/span><b>perfil financer<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<\/h3>\n                                    <\/div>\n            <div id=\"card-3\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/information_red.jpg\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"\"\/>\n                    <\/div>\n                                                <h3><p><strong>Informaci\u00f3 facilitada durant la sol\u00b7licitud<\/strong><\/p>\n<\/h3>\n                                                <p><p>Aportar dades completes, vera\u00e7os i actualitzades agilitza l&#039;estudi. La informaci\u00f3 incoherent o incompleta en dificulta la verificaci\u00f3 i pot alentir o frenar la decisi\u00f3.<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-4\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/01\/puzzle_red.jpg\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"\"\/>\n                    <\/div>\n                                                <h3><p><strong>Import sol\u00b7licitat i termini de devoluci\u00f3<br \/>\n<\/strong><\/p>\n<\/h3>\n                                                <p><p>Demanar un import proporcionat als teus ingressos i un termini assumible en facilita l&#039;aprovaci\u00f3. Sol\u00b7licitar m\u00e9s del que \u00e9s necessari augmenta el risc percebut i complica la devoluci\u00f3.<\/p>\n<\/p>\n                                    <\/div>\n    <\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container av-image-left\"><div class=\"av-itd-content-column\"><h2><span class=\"ez-toc-section\" id=\"Situaciones_que_pueden_hacer_mas_compleja_una_solicitud\"><\/span><strong>Situacions que poden fer m\u00e9s complexa una sol\u00b7licitud<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p class=\"wp-block-paragraph\">Aquestes s\u00f3n algunes de les circumst\u00e0ncies que solen convertir una sol\u00b7licitud en un dels anomenats <strong>pr\u00e9stecs dif\u00edcils<\/strong>. No suposen un rebuig autom\u00e0tic, per\u00f2 s\u00ed una an\u00e0lisi m\u00e9s acurada.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/situaciones-que-pueden-hacer-mas-compleja-una-solicitud.jpg\" alt=\"Pr\u00e9stecs dif\u00edcils\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Ingressos variables o recents<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Els ingressos irregulars o d&#039;alta recent s\u00f3n m\u00e9s dif\u00edcils de projectar. Acreditar-ne la continu\u00eftat amb moviments bancaris ajuda que es valorin millor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Historial de cr\u00e8dit amb incid\u00e8ncies<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Figurar en un fitxer de morositat no implica una exclusi\u00f3 autom\u00e0tica. S&#039;estudia cada cas; pots ampliar informaci\u00f3 a la nostra p\u00e0gina de <a href=\"https:\/\/www.avafin.es\/ca\/credits\/rapids-amb-asnef\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>cr\u00e8dits r\u00e0pids amb ASNEF<\/strong><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Informaci\u00f3 incompleta o dif\u00edcil de verificar<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan les dades no es poden confirmar f\u00e0cilment, l&#039;estudi es complica. Si busques un proc\u00e9s amb documentaci\u00f3 m\u00ednima, consulta com <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/sense-papers\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>aconseguir el teu pr\u00e9stec sense papers amb AvaFin<\/strong><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Altres circumst\u00e0ncies que requereixen una revisi\u00f3 addicional<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Situacions com canvis recents docupaci\u00f3 o de resid\u00e8ncia tamb\u00e9 poden requerir comprovacions extra. En tots els casos, el criteri \u00e9s el mateix: confirmar que la devoluci\u00f3 \u00e9s assumible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_evalua_AvaFin_cada_solicitud\"><\/span><strong>Com avalua AvaFin cada sol\u00b7licitud?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El proc\u00e9s \u00e9s 100 % online, tamb\u00e9 en un <strong>pr\u00e9stec dif\u00edcil<\/strong>, per\u00f2 la decisi\u00f3 no es basa \u00fanicament en complir uns requisits b\u00e0sics: la informaci\u00f3 facilitada es verifica i cada sol\u00b7licitud s&#039;estudia tenint en compte el conjunt de circumst\u00e0ncies del sol\u00b7licitant. Si el que necessites \u00e9s rapidesa, pots veure tamb\u00e9 la nostra <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/rapids\/\"><strong>finan\u00e7ament r\u00e0pid<\/strong><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Com funciona l&#039;avaluaci\u00f3 individual d&#039;una sol\u00b7licitud?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Despr\u00e9s d&#039;emplenar el formulari, es verifica la vostra identitat i s&#039;analitzen els vostres ingressos i moviments mitjan\u00e7ant connexi\u00f3 segura. No hi ha resposta autom\u00e0tica per complir un requisit: es valora el cas complet abans de decidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quins criteris es tenen en compte durant lavaluaci\u00f3?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S&#039;hi combinen la capacitat de devoluci\u00f3, l&#039;estabilitat dels ingressos, l&#039;historial de pagaments i la coher\u00e8ncia de la informaci\u00f3. Aquesta taula resumeix qu\u00e8 es valora i qu\u00e8 impedeix aprovar una sol\u00b7licitud.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>S\u00cd VALOREM<\/th><th>NO PODEM APROVAR<\/th><\/tr><\/thead><tbody><tr><td>Ingressos regulars i demostrables<\/td><td>Sol\u00b7licituds sense ingressos demostrables<\/td><\/tr><tr><td>Capacitat de devoluci\u00f3 d&#039;acord amb l&#039;import<\/td><td>Imports que comprometen el teu pressupost<\/td><\/tr><tr><td>Informaci\u00f3 completa i verificable<\/td><td>Dades incoherents o sense verificar<\/td><\/tr><tr><td>Historial valorat en conjunt<\/td><td>Identitat o documents no v\u00e0lides<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Pots llegir com apliquem la <a href=\"https:\/\/www.avafin.es\/ca\/transparencia-prestem-responsables\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>transpar\u00e8ncia i els pr\u00e9stecs responsables<\/strong><\/a>. AvaFin <a href=\"https:\/\/www.avafin.es\/ca\/som-part-de-capitec-bank\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>forma part del grup Capitec Bank<\/strong><\/a>, pertany a AEMIP, mant\u00e9 una valoraci\u00f3 mitjana de 4,6 estrelles a Google i pots consultar les <a href=\"https:\/\/www.avafin.es\/ca\/opinions\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>opinions dels nostres clients<\/strong><\/a>. Sobre per qu\u00e8 les entitats avaluen la solv\u00e8ncia, el portal <a href=\"https:\/\/clientebancario.bde.es\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Client Bancari<\/strong><\/a> del Banc d\u00b4Espanya ofereix informaci\u00f3 \u00fatil.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>CONCEPTE<\/th><th>CONDICI\u00d3<\/th><\/tr><\/thead><tbody><tr><td>Import nous clients<\/td><td>De 50\u20ac a 300\u20ac<\/td><\/tr><tr><td>Import clients antics<\/td><td>Fins a 2.000\u20ac (segons avaluaci\u00f3)<\/td><\/tr><tr><td>Termini de devoluci\u00f3<\/td><td>De 7 a 30 dies<\/td><\/tr><tr><td>Comissi\u00f3 d&#039;obertura<\/td><td>0\u20ac sol\u00b7licitant a trav\u00e9s de la web AvaFin<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>Exemple representatiu per a un pr\u00e9stec sol\u00b7licitat a trav\u00e9s de AvaFin.es: 300 euros. Interessos: 57 euros. Comissi\u00f3 d&#039;obertura: 0 euros (sol\u00b7licitant a trav\u00e9s del web de AvaFin). TAE: 734,97 %. TIN: 231,80 %. Total per pagar: 357 euros.<\/em><\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Calcula el teu import i el cost total al simulador<\/strong><\/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>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_puedes_hacer_para_mejorar_las_posibilidades_de_aprobacion\"><\/span><strong>Qu\u00e8 podeu fer per millorar les possibilitats d&#039;aprovaci\u00f3?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tot i que la decisi\u00f3 dep\u00e8n de l&#039;avaluaci\u00f3, hi ha h\u00e0bits que ajuden a fer que la teva sol\u00b7licitud s&#039;estudi\u00ef en les millors condicions. Aquestes s\u00f3n les claus sobre <strong>com millorar l&#039;aprovaci\u00f3 d&#039;un pr\u00e9stec<\/strong>, tamb\u00e9 quan es tracta de <strong>pr\u00e9stecs dif\u00edcils<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Sol\u00b7licita \u00fanicament l&#039;import necessari<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Demanar nom\u00e9s all\u00f2 que necessites redueix el risc percebut i facilita la devoluci\u00f3. Un import ajustat sempre \u00e9s m\u00e9s f\u00e0cil daprovar que un excessiu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Facilita informaci\u00f3 completa i actualitzada<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Com m\u00e9s clares i verificables siguin les vostres dades, m\u00e9s \u00e0gil ser\u00e0 l&#039;estudi. Reviseu que la informaci\u00f3 coincideix amb els vostres documents abans d&#039;enviar-la.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Comprova la teva capacitat de devoluci\u00f3<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Abans de sol\u00b7licitar, calcula si podr\u00e0s tornar el pr\u00e9stec en el termini previst sense problemes. \u00c9s la millor manera d&#039;evitar el sobreendeutament.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Revisa les condicions abans d&#039;enviar la sol\u00b7licitud<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Comproveu l&#039;import, el termini, el cost total i la data de devoluci\u00f3. Decidir amb tota la informaci\u00f3 redueix sorpreses i refor\u00e7a una decisi\u00f3 responsable.<\/p>\n\n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container\"><div class=\"av-itd-content-column\"><h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_ocurre_si_una_solicitud_no_es_aprobada\"><\/span><strong>Qu\u00e8 passa si una sol\u00b7licitud no \u00e9s aprovada?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p class=\"wp-block-paragraph\">Que una sol\u00b7licitud considerada un <strong>pr\u00e9stec dif\u00edcil<\/strong> no s&#039;aprovi no \u00e9s el final del cam\u00ed. Conv\u00e9 entendre per qu\u00e8 ha passat i quines opcions tens.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/que-ocurre-si-una.solicitud-no-es-aprobada.jpg\" alt=\"\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Cada sol\u00b7licitud s&#039;estudia de manera independent<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una resposta negativa en un moment concret no condiciona permanentment futures sol\u00b7licituds: cadascuna s&#039;avalua segons la teva situaci\u00f3 en aquell instant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Motius pels quals pot no aprovar-se una sol\u00b7licitud<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Solen estar relacionats amb la capacitat de devoluci\u00f3, la manca dingressos demostrables o informaci\u00f3 que no sha pogut verificar. Revisar quin va ser el factor ajuda a preparar millor una sol\u00b7licitud nova.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c9s possible tornar a sol\u00b7licitar finan\u00e7ament m\u00e9s endavant?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed. Si la teva situaci\u00f3 millora (ingressos m\u00e9s estables, menys deutes o un historial m\u00e9s s\u00f2lid), pots tornar a sol\u00b7licitar-ho m\u00e9s endavant amb millors possibilitats.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes_sobre_prestamos_dificiles\"><\/span><strong>Preguntes freq\u00fcents sobre pr\u00e9stecs dif\u00edcils<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Resolem els dubtes m\u00e9s habituals sobre l&#039;aprovaci\u00f3 dels anomenats <strong>pr\u00e9stecs dif\u00edcils<\/strong>.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1787581955501\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 vol dir que un pr\u00e9stec sigui dif\u00edcil?<\/strong><\/strong> <p class=\"schema-faq-answer\">Que la seva aprovaci\u00f3 requereix una an\u00e0lisi m\u00e9s detallada per conc\u00f3rrer factors com ara ingressos poc estables o incid\u00e8ncies a l&#039;historial. No \u00e9s un producte diferent, sin\u00f3 una sol\u00b7licitud que exigeix m\u00e9s estudi.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787581989447\"><strong class=\"schema-faq-question\"><strong>Quins factors influeixen a l&#039;aprovaci\u00f3?<\/strong><\/strong> <p class=\"schema-faq-answer\">Principalment, la capacitat de devoluci\u00f3, l&#039;estabilitat dels ingressos, l&#039;historial financer i la qualitat de la informaci\u00f3 facilitada. El conjunt pesa m\u00e9s que una \u00fanica dada.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787581997416\"><strong class=\"schema-faq-question\"><strong>Totes les sol\u00b7licituds s&#039;analitzen igual?<\/strong><\/strong> <p class=\"schema-faq-answer\">El proc\u00e9s \u00e9s el mateix per a tothom, per\u00f2 el resultat dep\u00e8n de cada perfil. Cada sol\u00b7licitud s&#039;estudia individualment, sense aprovacions autom\u00e0tiques ni exclusions per un sol factor.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787582016172\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 passa si la meva sol\u00b7licitud no \u00e9s aprovada?<\/strong><\/strong> <p class=\"schema-faq-answer\">Rebr\u00e0s la comunicaci\u00f3 del resultat sense cost ni penalitzaci\u00f3. Podr\u00e0s tornar-ho a intentar m\u00e9s endavant, especialment si millores l&#039;estabilitat dels teus ingressos o redu\u00efs altres deutes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787582038535\"><strong class=\"schema-faq-question\"><strong>Puc tornar a sol\u00b7licitar un pr\u00e9stec amb condicions dif\u00edcils?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed. No hi ha un veto permanent: cada nova sol\u00b7licitud s&#039;avalua segons la teva situaci\u00f3 actual, per la qual cosa una millora al teu perfil pot canviar el resultat.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787582056819\"><strong class=\"schema-faq-question\"><strong>Quan triga l&#039;avaluaci\u00f3?<\/strong><\/strong> <p class=\"schema-faq-answer\">L&#039;avaluaci\u00f3 se sol resoldre en poc temps gr\u00e0cies a l&#039;estudi automatitzat, encara que una sol\u00b7licitud m\u00e9s complexa pot requerir comprovacions addicionals abans de comunicar la decisi\u00f3. En qualsevol cas, rebr\u00e0s sempre una resposta, tant si \u00e9s favorable com si no ho \u00e9s.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consulta_las_opciones_de_financiacion_disponibles\"><\/span><strong>Consulta les opcions de finan\u00e7ament disponibles<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Darrere dels <strong>pr\u00e9stecs dif\u00edcils<\/strong> gaireb\u00e9 sempre hi ha un perfil que nom\u00e9s necessita una avaluaci\u00f3 justa. Completa la teva sol\u00b7licitud i estudiarem el teu cas de manera individual per oferir-te una resposta adaptada a la teva situaci\u00f3, amb condicions clares i sense promeses d&#039;aprovaci\u00f3 que cap entitat seriosa no pot garantir.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"819\" height=\"1024\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/consulta-las-opciones-de-financiacion-disponibles-819x1024.png\" alt=\"Infografia AvaFin amb els quatre factors que influeixen en laprovaci\u00f3 dun pr\u00e9stec: capacitat de devoluci\u00f3, estabilitat dingressos, historial financer i informaci\u00f3 facilitada.\" class=\"wp-image-11886\" srcset=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/consulta-las-opciones-de-financiacion-disponibles-819x1024.png 819w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/consulta-las-opciones-de-financiacion-disponibles-240x300.png 240w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/consulta-las-opciones-de-financiacion-disponibles-768x960.png 768w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/consulta-las-opciones-de-financiacion-disponibles-10x12.png 10w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/consulta-las-opciones-de-financiacion-disponibles-850x1062.png 850w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/consulta-las-opciones-de-financiacion-disponibles.png 1122w\" sizes=\"auto, (max-width: 819px) 100vw, 819px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Demana el teu pr\u00e9stec i rep una resposta adaptada al teu cas<\/strong><\/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\">Obtingues el teu pr\u00e9stec amb 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>No todas las solicitudes presentan el mismo nivel de complejidad. Cuando se habla de pr\u00e9stamos dif\u00edciles, no se hace referencia a un producto espec\u00edfico, sino a aquellas solicitudes cuya evaluaci\u00f3n requiere un an\u00e1lisis m\u00e1s detallado. En esta p\u00e1gina te explicamos qu\u00e9 aspectos pueden influir en la aprobaci\u00f3n de un pr\u00e9stamo y c\u00f3mo funciona el proceso [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":0,"parent":3527,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7365","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pr\u00e9stamos dif\u00edciles online 2026 | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Descubre qu\u00e9 factores pueden influir en la aprobaci\u00f3n de un pr\u00e9stamo dif\u00edcil y c\u00f3mo AvaFin eval\u00faa cada solicitud de forma individual.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.avafin.es\/ca\/prestem\/dificils\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00e9stamos dif\u00edciles online 2026\" \/>\n<meta property=\"og:description\" content=\"Descubre qu\u00e9 factores pueden influir en la aprobaci\u00f3n de un pr\u00e9stamo dif\u00edcil y c\u00f3mo AvaFin eval\u00faa cada solicitud de forma individual.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.avafin.es\/ca\/prestem\/dificils\" \/>\n<meta property=\"og:site_name\" content=\"AvaFin Espa\u00f1a\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=61569520036083\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-24T14:48:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/11\/prestamos-dificiles-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" 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