{"id":7814,"date":"2026-04-28T10:15:52","date_gmt":"2026-04-28T08:15:52","guid":{"rendered":"https:\/\/www.avafin.es\/?page_id=7814"},"modified":"2026-04-28T10:15:54","modified_gmt":"2026-04-28T08:15:54","slug":"fix","status":"publish","type":"page","link":"https:\/\/www.avafin.es\/ca\/prestem\/fix","title":{"rendered":"Pr\u00e9stec fix amb cost total transparent"},"content":{"rendered":"<div class=\"av-slider-container av-slider-behaviour-es av-slider-type-type_seo loan-slider payday\">\n            \n            <section id=\"loan-slider-block_78f4e70d13e718bb384e7e81f842a564\" class=\"av-slider av-slider-type-type_seo\">\n                <div class='av-slider-inner' data-slide-product-type='1' data-is-delayed='false' >\n                                        <div class=\"av-main av-last-box-not-empty\">\n                                                <!-- SCROLLER AMOUNT -->\n                                <div class=\"av-box av-first-box amount-slider\">\n            <div class=\"av-box-info\">\n                <p>Quant necessites?<\/p>\n                <div class=\"av-slider-quantity-container\">\n                                                    <span class=\"rangeslider-decrease\">\n                                <svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"dash-lg\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M2 8C2 7.72386 2.22386 7.5 2.5 7.5H13.5C13.7761 7.5 14 7.72386 14 8C14 8.27614 13.7761 8.5 13.5 8.5H2.5C2.22386 8.5 2 8.27614 2 8Z\" fill=\"#010440\"\/>\n<\/g>\n<\/svg>\n                            <\/span><!-- span.rangeslider-decrease -->\n                         <!-- filter.av_scroller_disable -->\n\n                        <div class=\"av-scroller-number-content\" style=\"display: flex;\">\n                            <span class=\"amount-display\"><\/span>&nbsp;<span>\u20ac<\/span>                        <\/div>\n                                                    <span class=\"rangeslider-increase\">\n                                <svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"plus-lg\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8 2C8.27614 2 8.5 2.22386 8.5 2.5V7.5H13.5C13.7761 7.5 14 7.72386 14 8C14 8.27614 13.7761 8.5 13.5 8.5H8.5V13.5C8.5 13.7761 8.27614 14 8 14C7.72386 14 7.5 13.7761 7.5 13.5V8.5H2.5C2.22386 8.5 2 8.27614 2 8C2 7.72386 2.22386 7.5 2.5 7.5H7.5V2.5C7.5 2.22386 7.72386 2 8 2Z\" fill=\"#010440\"\/>\n<\/g>\n<\/svg>\n                            <\/span>\n                         <!-- filter.av_scroller_disable -->\n                    <\/div><!-- div.av-slider-quantity-container -->\n            <\/div><!-- div.av-box-info -->\n            \n                <div class=\"rangeslider\">\n                    <div class=\"rangeslider-fill\" style=\"width: 0%;\"><\/div>\n                    <div class=\"rangeslider-handle\" style=\"left: 0%;\"><\/div>\n                <\/div><!-- .rangeslider -->\n             <!-- filter.av_scroller_disable -->\n\n            <div class=\"range-info\">\n                <span>\n                                        <span class=\"min-amount\"><\/span>\n                    &nbsp;\u20ac                <\/span>\n                <span>\n                                        <span class=\"max-amount\"><\/span>\n                    &nbsp;\u20ac                <\/span>\n            <\/div><!-- div.range-info -->\n        <\/div><!-- div.av-box -->\n                                <!-- SCROLLER TERM -->\n                                <div class=\"av-box term-slider\">\n            <div class=\"av-box-info\">\n                <p>Quants dies vols tornar-ho?<\/p>\n                <div class=\"av-slider-quantity-container\">\n                                                    <span class=\"rangeslider-decrease\">\n                                <svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"dash-lg\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M2 8C2 7.72386 2.22386 7.5 2.5 7.5H13.5C13.7761 7.5 14 7.72386 14 8C14 8.27614 13.7761 8.5 13.5 8.5H2.5C2.22386 8.5 2 8.27614 2 8Z\" fill=\"#010440\"\/>\n<\/g>\n<\/svg>\n                            <\/span><!-- span.rangeslider-decrease -->\n                         <!-- filter.av_scroller_disable -->\n\n                        <div class=\"av-scroller-number-content\" style=\"display: flex;\">\n                            <span class=\"term-display\"><\/span>&nbsp;<span>&nbsp;dies<\/span>                        <\/div>\n                                                    <span class=\"rangeslider-increase\">\n                                <svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"plus-lg\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8 2C8.27614 2 8.5 2.22386 8.5 2.5V7.5H13.5C13.7761 7.5 14 7.72386 14 8C14 8.27614 13.7761 8.5 13.5 8.5H8.5V13.5C8.5 13.7761 8.27614 14 8 14C7.72386 14 7.5 13.7761 7.5 13.5V8.5H2.5C2.22386 8.5 2 8.27614 2 8C2 7.72386 2.22386 7.5 2.5 7.5H7.5V2.5C7.5 2.22386 7.72386 2 8 2Z\" fill=\"#010440\"\/>\n<\/g>\n<\/svg>\n                            <\/span>\n                         <!-- filter.av_scroller_disable -->\n                    <\/div><!-- div.av-slider-quantity-container -->\n            <\/div><!-- div.av-box-info -->\n            \n                <div class=\"rangeslider\">\n                    <div class=\"rangeslider-fill\" style=\"width: 0%;\"><\/div>\n                    <div class=\"rangeslider-handle\" style=\"left: 0%;\"><\/div>\n                <\/div><!-- .rangeslider -->\n             <!-- filter.av_scroller_disable -->\n\n            <div class=\"range-info\">\n                <span>\n                                        <span class=\"min-term\"><\/span>\n                    &nbsp;dies                <\/span>\n                <span>\n                                        <span class=\"max-term\"><\/span>\n                    &nbsp;dies                <\/span>\n            <\/div><!-- div.range-info -->\n        <\/div><!-- div.av-box -->\n        \n                        <!-- LAST BOX CTA -->\n                                <div class=\"av-box av-last-box\">\n                                    <div class=\"av-cta-container-outer\">\n                                                <div class=\"av-cta-container\">\n                                                                                <a href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" \n                        data-base-url=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\"    \n                        class=\"av-loan-cta\">\n                        Sol\u00b7licitar pr\u00e9stec.                    <\/a><!-- a.av-loan-cta -->\n\n                                                                <a href=\"https:\/\/portal.avafin.es\/wp-login\" \n                            data-base-url=\"https:\/\/portal.avafin.es\/wp-login\" class=\"av-loan-login-cta\">\n                            \u00c0rea de Clients                        <\/a><!-- a.av-loan-login-cta -->\n                                    <\/div><!-- div.av-cta-container -->\n            <\/div><!-- div.av-cta-container-outer -->\n        <\/div>\n\n                                                        \n                    <\/div><!-- div.av-main  -->\n\n                            <div class=\"av-term-container\">\n                    <div class=\"slider-terms\">\n            <ul>\n                                    <li class=\"total-row av-sum-prio-m-1\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Total a pagar<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-total\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"total\" ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"amount-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Import<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-amount\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"amount\" ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"duedate-row av-sum-prio-m-1\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Data de venciment<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-duedate\"><\/span>\n\n                                                                        \n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"duedate\" ><\/span>\n                                                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"loan-fee-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Inter\u00e8s<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-loan-fee\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"loan-fee\" data-prices-id='loan-fees' data-prices-original-id='loan-original-fees' ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"no-display-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\"><\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-no-display\"><\/span>\n\n                                                                        \n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"no-display\" ><\/span>\n                                                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"preparation-fee-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Comissi\u00f3 d&#039;obertura<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-preparation-fee\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"preparation-fee\" data-prices-id='loan-preparation-fees' data-prices-original-id='loan-original-preparation-fees' ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                            <\/ul>\n        <\/div><!-- div.slider-terms -->\n                            <div class=\"av-disclaimer\">\n                        <form method=\"post\" id=\"promocode-form\" action=\"\">\n                <div class=\"promocode-container\">\n                    <label for=\"promocode\" class=\"promocode-title\">Codi Promocional<\/label>\n                    <div class=\"promocode-wrapper\">\n                        <input type=\"text\" id=\"promocode\" name=\"promocode\" value=\"\" maxlength=\"20\" title=\"Codi Promocional\">\n                        <button type=\"submit\" id=\"apply_promotion\" name=\"apply_promotion\" value=\"apply_promotion\">\n                        Confirma                        <\/button>\n                    <\/div>\n                <\/div>\n            <input type=\"hidden\" name=\"trp-form-language\" value=\"ca\"\/><\/form>\n                    <div class=\"av-disclaimer-content\">\n                            <\/div>\n            <div class=\"av-modal-container\">\n                                            <button type=\"button\" class='av-modal-links have-dynamic-template' data-template-url='https:\/\/portal.avafin.es\/cf-document\/content?documentType=backend_template&#038;id=eu-form&#038;format=js' data-is-contract='1' data-modal-id='eu-info' >\n                                                                <span>Informaci\u00f3 sobre el pr\u00e9stec<\/span>\n                            <\/button>\n                                        <\/div><!-- div.av-modal-container -->\n                    <\/div><!-- div.av-disclaimer -->\n\n                <\/div><!-- div.av-term-container -->\n        \n                                                <div class=\"slider-modal-wrap eu-info_wrap\"  data-modal-id=\"eu-info\">\n                        <div class=\"slider-modal modal-content eu-info\">\n                            <div class=\"slider-modal-header-container\">\n                                <span class=\"slider-modal-title\">Informaci\u00f3 sobre el pr\u00e9stec<\/span>\n                                <span class=\"slider-modal-close\">\u00d7<\/span>\n                            <\/div><!-- .slider-modal-header-container -->\n                            <div class=\"slider-modal-content\">\n                                                            <\/div><!-- .slider-modal-content -->\n                                                            <div class=\"av-modal-download-container\">\n                                    <a href=\"https:\/\/portal.avafin.es\/api\/template\/dynamicPdf?id=39754&#038;templateVariables=x \" class='btn btn-basic btn-md' download=\"\">Descarregar<\/a>\n                                <\/div>\n                                                    <\/div><!-- .slider-modal -->\n                    <\/div><!-- .slider-modal-wrap -->\n\n                                <div class=\"slider-modal-wrap login-reminder_wrap\"  data-modal-id=\"login-reminder\">\n                        <div class=\"slider-modal modal-content login-reminder\">\n                            <div class=\"slider-modal-header-container\">\n                                <span class=\"slider-modal-title\">\u00c9s el nostre client?<\/span>\n                                <span class=\"slider-modal-close\">\u00d7<\/span>\n                            <\/div><!-- .slider-modal-header-container -->\n                            <div class=\"slider-modal-content\">\n                                <p style=\"font-size: 16px;\"> Si ja ets client, inicia sessi\u00f3 amb el teu usuari i contrasenya:<\/p><div class=\"text-center av-modal-btn-container btn-container\">\n                <a class=\"btn btn-cta btn-md\" data-base-url=\"https:\/\/portal.avafin.es\/wp-login\" href=\"https:\/\/portal.avafin.es\/wp-login\">Inicia Sessi\u00f3<\/a><a class=\"btn btn-basic btn-md\" data-base-url=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\">Registra&#039;t<\/a><\/div><!-- .av-modal-btn-container.btn-container -->                            <\/div><!-- .slider-modal-content -->\n                                                    <\/div><!-- .slider-modal -->\n                    <\/div><!-- .slider-modal-wrap -->\n\n                                \n\n\n                <\/div><!-- div.loan-slider -->\n            <\/section> <!-- section.av-slider -->\n\n        <\/div><!-- .av-slider-container -->\n        \n\n\n<p>El <strong>pr\u00e9stec fix<\/strong> de Avafin \u00e9s un <strong>pr\u00e9stec personal<\/strong> de curta durada amb <strong>quota estable<\/strong>. Des de la primera consulta sabr\u00e0s el cost total a pagar i podr\u00e0s destinar l'import al que necessitis.&nbsp;<\/p>\n\n\n\n<p>El 2025, m\u00e9s de 69.000 nous clients van confiar en Avafin i m\u00e9s de 99.000 van renovar els seus pr\u00e9stecs, cosa que demostra la confian\u00e7a dels nostres usuaris. A Avafin no diferenciem productes per finalitat: termes com pr\u00e9stecs a tipus fix, <strong>pr\u00e9stec personal fix<\/strong> o <strong>pr\u00e9stec fix en l\u00ednia<\/strong> fan refer\u00e8ncia al mateix finan\u00e7ament, dissenyat per oferir transpar\u00e8ncia i seguretat.<\/p>\n\n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container\"><div class=\"av-itd-content-column\"><h2><strong>\u00bfQu\u00e9 es un pr\u00e9stamo fijo?<\/strong><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p>Un <strong>pr\u00e9stec fix<\/strong> \u00e9s un finan\u00e7ament amb un tipus d'inter\u00e8s constant durant tot el termini. Aix\u00f2 vol dir que la <strong>quota<\/strong> no canvia encara que vari\u00efn els \u00edndexs de mercat. L'inter\u00e8s nominal (<strong>TIN<\/strong>) marca el percentatge aplicat al capital i la taxa anual equivalent (<strong>TAE<\/strong>) inclou despeses i comissions.&nbsp;<\/p>\n\n\n\n<p>Quan sol\u00b7licites un <strong>pr\u00e9stec fix<\/strong>, veur\u00e0s la <strong>TAE<\/strong> des de l'inici, el que et permet comparar i con\u00e8ixer el cost real. Termes com <strong>pr\u00e9stec fix sense sorpreses<\/strong> o <strong>pr\u00e9stec fix r\u00e0pid<\/strong> es refereixen a aquesta estabilitat que evita sobresalts.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/prestamos-fijo.jpg\" alt=\"Pr\u00e9stec fix\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Difer\u00e8ncia entre tipus fix i tipus variable<\/h3>\n\n\n\n<p>La difer\u00e8ncia principal \u00e9s la previsibilitat de la <strong>quota<\/strong>. En un tipus variable, el teu pagament fluctua amb el <strong>Eur\u00edbor<\/strong> o altres \u00edndexos. En un <strong>pr\u00e9stec fix<\/strong>, l'inter\u00e8s es fixa en signar, per tant la <strong>quota<\/strong> no es modificat durant el termini. Encara que un inter\u00e8s variable pot ser atractiu quan el <strong>Eur\u00edbor<\/strong> \u00e9s baix, suposa assumir el risc que pugi.&nbsp;<\/p>\n\n\n\n<p>A l'Avafin nom\u00e9s oferim un <strong>pr\u00e9stec personal<\/strong> de tipus fix, aix\u00ed que no has de triar entre diferents modalitats.<\/p>\n\n\n\n<p>Si prefereixes una <strong>quota<\/strong> que no vari\u00ef, <strong>demana el teu pr\u00e9stec fix sense sorpreses<\/strong>, d'aquesta manera et protegir\u00e0s de pujades inesperades de l'Eur\u00edbor i sabr\u00e0s sempre el que pagar\u00e0s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Com es calcula el cost total<\/h3>\n\n\n\n<p>El cost total es calcula combinant l'import, el termini i el <strong>TIN<\/strong>. La <strong>TAE<\/strong> incorporar comissions i despeses. Amb el nostre simulador veur\u00e0s la <strong>quota<\/strong> i el total a pagar abans d'enviar la sol\u00b7licitud. Aix\u00f2 garanteix que sol\u00b7licites el <strong>pr\u00e9stec fix<\/strong> amb la informaci\u00f3 completa i sense costos ocults.<\/p>\n\n\n\n<p>El nostre simulador et mostrar\u00e0 la <strong>TIN<\/strong> i la <strong>TAE<\/strong> abans d'acceptar l'oferta. <strong>Demana el teu pr\u00e9stec fix en minuts<\/strong> per con\u00e8ixer d'antuvi el cost total i prendre una decisi\u00f3 informada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Per qu\u00e8 aporta estabilitat<\/h3>\n\n\n\n<p>En ser fix, el teu <strong>quota<\/strong> no dependr\u00e0 de canvis en el <strong>Eur\u00edbor<\/strong>. Aix\u00f2 et permet planificar els teus pagaments, cosa clau quan els teus ingressos s\u00f3n regulars. Quan llegeixis frases com <strong>pr\u00e9stec fix amb cost total transparent<\/strong> o <strong>pr\u00e9stec a tipus fix<\/strong>, es tracta de la mateixa soluci\u00f3 que oferim, on l'estabilitat i la claredat en el cost s\u00f3n essencials.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Com funciona un pr\u00e9stec a tipus fix a Avafin<\/strong><\/h2>\n\n\n\n<p>Sol\u00b7licitar el nostre <strong>pr\u00e9stec fix<\/strong> \u00c9s un proc\u00e9s digital. Trieu l&#x27;import i el termini de devoluci\u00f3 al nostre simulador, ompliu les vostres dades personals i professionals, verifiqueu la vostra identitat i enviem la sol\u00b7licitud per a la seva avaluaci\u00f3. Si s&#x27;aprova, transferim l&#x27;import al vostre compte. La sol\u00b7licitud triga uns 15 minuts a completar-se i la podeu fer des de l&#x27;ordinador o el m\u00f2bil. El nostre proc\u00e9s \u00e9s 100% en l\u00ednia, aix\u00ed que no heu de despla\u00e7ar-vos enlloc. El proc\u00e9s \u00e9s el mateix tant si busqueu un <strong>pr\u00e9stec fix sense papers<\/strong> o un <strong>microcr\u00e8dit fix<\/strong>, ja que a Avafin no tenim categories diferents.<\/p>\n\n\n\n<p>Aprofita la facilitat del nostre proc\u00e9s en l\u00ednia. <strong>Comen\u00e7a la teva sol\u00b7licitud de pr\u00e9stec fix<\/strong> sense despla\u00e7ar-te. En pocs passos podr\u00e0s tenir els teus diners al compte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Simulaci\u00f3 d'import i termini<\/h3>\n\n\n\n<p>Al principi selecciones l'import i el termini, ambd\u00f3s de curta durada. Les primeres sol\u00b7licituds solen aprovar-se per imports inferiors perqu\u00e8 analitzem el teu historial i scoring. Amb bon comportament de pagament, en futures sol\u00b7licituds podr\u00e0s augmentar progressivament la quantitat fins al m\u00e0xim progressiu de 2.000 \u20ac, sempre subjecte a avaluaci\u00f3. Aix\u00f2 evita sobreendeutament i afavoreix la responsabilitat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Visualitzaci\u00f3 del cost total<\/h3>\n\n\n\n<p>Abans de continuar veur\u00e0s la <strong>TIN<\/strong>, la <strong>TAE<\/strong> i la <strong>quota<\/strong> resultant. La transpar\u00e8ncia en la visualitzaci\u00f3 del cost total et permet decidir amb criteri si el <strong>pr\u00e9stec fix<\/strong> s'ajusta al teu pressupost. Saber quant pagar\u00e0s i quan es carregar\u00e0 la <strong>quota<\/strong> Et dona control sobre les teves finances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Aprovaci\u00f3 i transfer\u00e8ncia<\/h3>\n\n\n\n<p>Un cop enviada la sol\u00b7licitud, verifiquem la teva identitat i els teus moviments bancaris. L'\u00fas d'eines de verificaci\u00f3 ens permet prendre una decisi\u00f3 r\u00e0pida. <\/p>\n\n\n\n<p>La transfer\u00e8ncia sol realitzar-se en minuts i, depenent del banc, pot trigar fins a 48 hores. Aquest proc\u00e9s \u00e0gil es mant\u00e9 en totes les sol\u00b7licituds del <strong>pr\u00e9stec fix<\/strong> d'Avafin.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ammortitzaci\u00f3 anticipada<\/h3>\n\n\n\n<p>Pots tornar el <strong>pr\u00e9stec fix<\/strong> Abans de la data acordada. Tot i que la llei permet cobrar comissions per amortitzaci\u00f3 anticipada en pr\u00e9stecs de tipus fix, el nostre producte, en ser de curta durada, no inclou aquestes penalitzacions. Si pagues abans, nom\u00e9s abonar\u00e0s l'inter\u00e8s acumulat, la qual cosa redueix el cost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Comen\u00e7a la teva sol\u00b7licitud de pr\u00e9stec fix<\/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\">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>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Avantatges de triar un<\/strong><strong> pr\u00e9stec fix<\/strong><\/h2>\n\n\n\n<p>Optar per un <strong>pr\u00e9stec fix<\/strong> ofereix diversos beneficis: <strong>quota estable<\/strong>, protecci\u00f3 davant pujades de tipus, previsibilitat en el pressupost i transpar\u00e8ncia en interessos i comissions. A m\u00e9s, la nostra financera ha experimentat un creixement notable: el 2025 van confiar en nosaltres m\u00e9s de 69.000 nous clients i m\u00e9s de 99.000 van renovar els seus pr\u00e9stecs, reflex de la nostra confian\u00e7a.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quota estable sense canvis<\/h3>\n\n\n\n<p>La <strong>quota<\/strong> es mant\u00e9 id\u00e8ntic durant tot el termini. Aix\u00f2 t'ajuda a controlar el teu pressupost. L'estabilitat \u00e9s clau quan cerques un <strong>pr\u00e9stec fix r\u00e0pid<\/strong> i sense complicacions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Protecci\u00f3 contra l'Eur\u00edbor<\/h3>\n\n\n\n<p>El <strong>Eur\u00edbor<\/strong> \u00e9s l'\u00edndex que fan servir els bancs per calcular interessos variables. Un <strong>pr\u00e9stec fix<\/strong> et protegeix davant de pujades: encara que l'\u00edndex augmenti, el teu <strong>quota<\/strong> no canvia. Aix\u00f2 converteix aquest finan\u00e7ament en una opci\u00f3 segura.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Previsibilitat financera<\/h3>\n\n\n\n<p>Quan va con\u00e8ixer la <strong>quota<\/strong> Des del principi, pots planificar les teves despeses i evitar imprevistos. Aquesta previsibilitat \u00e9s especialment \u00fatil si tens ingressos regulars.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Transpar\u00e8ncia en interessos i comissions<\/h3>\n\n\n\n<p>Veur\u00e0s la <strong>TAE<\/strong> i totes les comissions abans de contractar. Aix\u00f2 facilita la comparaci\u00f3 i evita costos ocults. La transpar\u00e8ncia \u00e9s un dels valors que distingeix Avafin.<\/p>\n\n\n\n<p>Si aquests avantatges s\u00f3n el que busques en un finan\u00e7ament, <strong>sol\u00b7licita el teu pr\u00e9stec fix en l\u00ednia<\/strong> i comen\u00e7a a gaudir de l'estabilitat en el teu pressupost.<\/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><strong><strong>Cr\u00e8dit fix vs. cr\u00e8dit variable: principals difer\u00e8ncies<\/strong><\/strong><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p>Tot i que a Avafin nom\u00e9s oferim l'opci\u00f3 fixa, sabem que vols entendre les difer\u00e8ncies. En els pr\u00e9stecs variables, l'inter\u00e8s es revisa peri\u00f2dicament i pot pujar o baixar segons els \u00edndexs. Amb un <strong>pr\u00e9stec fix<\/strong>, l'inter\u00e8s i la <strong>quota<\/strong> es mantenen iguals. Aix\u00f2 elimina riscos de pujades i ajuda a planificar.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/fijo.jpg\" alt=\"Pr\u00e9stec fix\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Com afecta l'Eur\u00edbor<\/h3>\n\n\n\n<p>En un pr\u00e9stec variable, tu <strong>quota<\/strong> dep\u00e8n del <strong>Eur\u00edbor<\/strong> i un diferencial. Si el <strong>Eur\u00edbor<\/strong> pujar, pagar\u00e0s m\u00e9s. Amb un <strong>pr\u00e9stec fix<\/strong>, la <strong>quota<\/strong> \u00e9s inalterable i no li afecta l'evoluci\u00f3 dels tipus.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Riscos de les pujades de tipus<\/h3>\n\n\n\n<p>Les pujades de tipus s\u00f3n impredictibles. Un pr\u00e9stec variable pot ser m\u00e9s barat a l'inici, per\u00f2 si pugen els tipus, la teva <strong>quota<\/strong> pot incrementar-se. Un <strong>pr\u00e9stec fix<\/strong> elimina aquest risc, cosa que et d\u00f3na estabilitat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cost total a mitj\u00e0 termini<\/h3>\n\n\n\n<p>El cost total d'un tipus variable pot ser atractiu si els tipus baixen, per\u00f2 si pugen, pot superar el d'un tipus fix. <strong>pr\u00e9stec fix<\/strong>. Aquest \u00faltim et permet saber des del principi quant pagar\u00e0s, facilitant la comparaci\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quina opci\u00f3 et conv\u00e9 segons el teu perfil<\/h3>\n\n\n\n<p>Si preferiu seguretat i no voleu dependre de fluctuacions, trieu un <strong>pr\u00e9stec fix<\/strong>. Si accepts el risc de pujades per beneficiar-te de possibles baixades, podries considerar un variable, encara que a Avafin no l'oferim.<\/p>\n\n\n\n<p>Evita les sorpreses que provoquen les oscil\u00b7lacions de l'Eur\u00edbor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Demana el teu pr\u00e9stec fix sense sorpreses<\/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\">Descobreix l'import disponible despr\u00e9s que s'hagi avaluat el teu perfil.<\/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\"><strong>Quan conv\u00e9 triar un <\/strong><strong>pr\u00e9stec fix<\/strong><strong>?<\/strong><\/h2>\n\n\n\n<p>Aquesta modalitat \u00e9s recomanable quan necessites una <strong>quota estable<\/strong>, Tens ingressos regulars o prefereixes evitar les variacions del mercat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pressupost ajustat<\/h3>\n\n\n\n<p>Si el teu pressupost \u00e9s ajustat i no pots assumir canvis en la <strong>quota<\/strong>, el <strong>pr\u00e9stec fix<\/strong> \u00e9s l'opci\u00f3 adequada. Saber el que pagar\u00e0s et permet organitzar les teves finances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Situacions d'incertesa econ\u00f2mica<\/h3>\n\n\n\n<p>En cas d'incertesa en els tipus d'inter\u00e8s, un <strong>pr\u00e9stec fix<\/strong> et protegeix. Fins i tot si la quota \u00e9s lleugerament superior, la tranquil\u00b7litat compensa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Microcr\u00e8dits de curta durada<\/h3>\n\n\n\n<p>Per a necessitats petites, un <strong>pr\u00e9stec fix<\/strong> de curta durada et permet disposar de fons r\u00e0pidament i retornar-los en pocs dies. Paraules com <strong>microcr\u00e8dit fix<\/strong> indiquen simplement que l'inter\u00e8s no canvia.<\/p>\n\n\n\n<p>Si t'identifiques amb aquestes situacions i vols mantenir el control sobre els teus <strong>quotes<\/strong>, <strong>demana el teu pr\u00e9stec fix sense sorpreses<\/strong> i ajusta els terminis a les teves necessitats.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Requisits per sol\u00b7licitar un <\/strong><strong>pr\u00e9stec fix en l\u00ednia<\/strong><\/h2>\n\n\n\n<p>Demanar un <strong>pr\u00e9stec fix<\/strong> A Avafin \u00e9s senzill. Nom\u00e9s necessites complir aquests requisits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Edat m\u00ednima<\/h3>\n\n\n\n<p>Has de tenir com a m\u00ednim 18 anys i residir a Espanya.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ingr\u00e9s regular<\/h3>\n\n\n\n<p>Cal disposar d'ingressos demostrables, ja sigui com a empleat, aut\u00f2nom o pensionista. Avalem la teva capacitat de pagament per assegurar-nos que el <strong>pr\u00e9stec fix<\/strong> s'adapta a la teva situaci\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Compte bancari espanyol<\/h3>\n\n\n\n<p>Necessites un compte bancari al teu nom. \u00c9s on dipositarem els diners i on es realitzar\u00e0 el cobrament. Tamb\u00e9 analitzem els teus moviments de forma segura.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">DNI o NIE<\/h3>\n\n\n\n<p>Heu de presentar un DNI o NIE v\u00e0lid per verificar la vostra identitat. No acceptem passaport com a document. La verificaci\u00f3 \u00e9s digital.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Targeta de d\u00e8bit<\/h3>\n\n\n\n<p>Sol\u00b7licitem una targeta de d\u00e8bit vinculada al teu compte. Ens permet comprovar que el compte \u00e9s teu i gestionar la devoluci\u00f3.<\/p>\n\n\n\n<p>Compleix aquests requisits b\u00e0sics i en pocs minuts podr\u00e0s accedir al finan\u00e7ament que necessites. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00c9s un pr\u00e9stec fix la millor opci\u00f3 per a tu?<\/strong><\/h2>\n\n\n\n<p>Abans de sol\u00b7licitar, considera si s'adapta a les teves necessitats.<\/p>\n\n\n<section id=\"cards-group-block_f9aa1e2ba814071182937b118c6ab8d6\" class=\"av-cards-group   av-cards-group-3 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\/2024\/08\/banknotes_red.png\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"Capacitat de pagament\"\/>\n                    <\/div>\n                                                <h3><h3>Capacitat de pagament<\/h3>\n<\/h3>\n                                                <p><p><span style=\"font-weight: 400;\">Revisa el teu pressupost i assegura't que pots pagar-ho <\/span><b>quota<\/b><span style=\"font-weight: 400;\"> Sense problemes. Si necessites un import superior al que podem aprovar en la primera sol\u00b7licitud, tingues en compte que a Avafin l'import inicial sol ser inferior i augmenta progressivament.<\/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\/2024\/07\/watch.png\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"Durada\"\/>\n                    <\/div>\n                                                <h3><h3>Durada del pr\u00e9stec<\/h3>\n<\/h3>\n                                                <p><p><span style=\"font-weight: 400;\">El nostre <\/span><b>pr\u00e9stec fix<\/b><span style=\"font-weight: 400;\"> \u00e9s de curta durada, entre 10 i 30 dies. Si necessites terminis llargs, potser haur\u00e0s de buscar un altre tipus de finan\u00e7ament.<\/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\/2024\/05\/slider_alt_red.jpg\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"Seguretat\"\/>\n                    <\/div>\n                                                <h3><h3>Importos inicials i ampliaci\u00f3 progressiva<\/h3>\n<\/h3>\n                                                <p><p><span style=\"font-weight: 400;\">Per a nous clients, la quantitat inicial pot ser inferior. Amb un bon comportament de pagament, podr\u00e0s obtenir quantitats m\u00e9s grans en sol\u00b7licituds posteriors fins al m\u00e0xim progressiu de 2.000 \u20ac.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si has revisat la teva capacitat de pagament i el termini s'ajusta a la teva situaci\u00f3, no ho pensis m\u00e9s.<\/span><\/p>\n<\/p>\n                                    <\/div>\n    <\/section>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Preguntes freq\u00fcents sobre el <\/strong><strong>pr\u00e9stec fix<\/strong><\/h2>\n\n\n\n<p>Aquesta secci\u00f3 respon a dubtes comuns. Per a m\u00e9s informaci\u00f3 visita les nostres p\u00e0gines de <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stecs personals<\/a>, <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/prestem-a-terminis\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stecs a terminis<\/a> o l'article nostre <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-tin-i-tae\/\" target=\"_blank\" rel=\"noreferrer noopener\">blog sobre TIN i TAE<\/a>.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1777287536874\"><strong class=\"schema-faq-question\"><strong>Com es calcula l'inter\u00e8s (TIN i TAE)?<\/strong><\/strong> <p class=\"schema-faq-answer\">El <strong>TIN<\/strong> indica el percentatge que s'aplica al capital. La <strong>TAE<\/strong> inclou el <strong>TIN<\/strong> i totes les despeses i comissions. Per calcular-la es tenen en compte els pagaments peri\u00f2dics i els costos associats, cosa que reflecteix el cost real del <strong>pr\u00e9stec fix<\/strong>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777287543794\"><strong class=\"schema-faq-question\"><strong>Avafin ofereix pr\u00e9stecs variables?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. Nom\u00e9s oferim un <strong>pr\u00e9stec fix<\/strong> de curta durada. No existeixen productes variables en la nostra oferta. L'abs\u00e8ncia de cat\u00e0leg evita confusions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777287548815\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 passa si torni el pr\u00e9stec abans?<\/strong><\/strong> <p class=\"schema-faq-answer\">Pots retornar el teu <strong>pr\u00e9stec fix<\/strong> abans de la data de venciment. En general, les entitats financeres poden cobrar comissions per reemborsament anticipat, per\u00f2 a Avafin no apliquem cap penalitzaci\u00f3 ja que es tracta d&#x27;un producte a curt termini.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777287559414\"><strong class=\"schema-faq-question\"><strong>Es pot demanar un pr\u00e9stec fix amb ASNEF?<\/strong><\/strong> <p class=\"schema-faq-answer\">Estar a l'ASNEF no implica un rebuig autom\u00e0tic. Analitzem cada cas. L'ASNEF \u00e9s un registre privat d'impagaments que utilitzen les entitats per avaluar riscos; estar inscrit no sempre impedeix obtenir finan\u00e7ament, per\u00f2 pot influir en l'import i en les condicions. Encara que l'aprovaci\u00f3 dep\u00e8n de la nostra avaluaci\u00f3, pots sol\u00b7licitar el <strong>pr\u00e9stec fix<\/strong>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777287567874\"><strong class=\"schema-faq-question\"><strong>Un pr\u00e9stec fix \u00e9s m\u00e9s car que un variable?<\/strong><\/strong> <p class=\"schema-faq-answer\">Un <strong>pr\u00e9stec fix<\/strong> pot tenir un punt de partida una mica m\u00e9s alt, per\u00f2 et protegeix de les pujades. A mitj\u00e0 termini, aquesta estabilitat pot resultar m\u00e9s econ\u00f2mica si. <strong>Eur\u00edbor<\/strong> puja.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777287576765\"><strong class=\"schema-faq-question\"><strong>Puc canviar un pr\u00e9stec variable a fix?<\/strong><\/strong> <p class=\"schema-faq-answer\">No podem modificar pr\u00e9stecs d'altres entitats. Si tens un variable, pots sol\u00b7licitar un <strong>pr\u00e9stec fix<\/strong> i utilitzar l'import per cancel\u00b7lar-lo. Has de considerar les comissions i si el canvi compensa.<\/p> <\/div> <\/div>\n\n\n\n<p>Amb Avafin, la transpar\u00e8ncia i la rapidesa van de la m\u00e0. El nostre comprom\u00eds \u00e9s oferir-te un <strong>pr\u00e9stec fix<\/strong> que s'adapti a tu, sense sorpreses ni complicacions. Si ho necessites, pots iniciar la teva sol\u00b7licitud i con\u00e8ixer les condicions abans de prendre una decisi\u00f3.<\/p>\n\n\n\n<p>Recorda que el nostre equip d'atenci\u00f3 al client est\u00e0 disponible per ajudar-te.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Demana el teu pr\u00e9stec fix online<\/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\">Comprova que senzill \u00e9s tenir un pr\u00e9stec<\/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>El pr\u00e9stamo fijo de Avafin es un pr\u00e9stamo personal de corta duraci\u00f3n con cuota estable. Desde la primera consulta sabr\u00e1s el coste total a pagar y podr\u00e1s destinar el importe a lo que necesites.&nbsp; En 2025, m\u00e1s de 69.000 nuevos clientes confiaron en Avafin y m\u00e1s de 99.000 renovaron sus pr\u00e9stamos, lo que demuestra la [&hellip;]<\/p>","protected":false},"author":32,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7814","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pr\u00e9stamo fijo | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Solicita un pr\u00e9stamo fijo online: cuota estable, coste total transparente y solicitud 100% digital. 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