{"id":7814,"date":"2025-12-22T11:59:28","date_gmt":"2025-12-22T09:59:28","guid":{"rendered":"https:\/\/www.avafin.es\/?page_id=7814"},"modified":"2025-12-22T11:59:29","modified_gmt":"2025-12-22T09:59:29","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":"<p>Un pr\u00e9stec fix ofereix claredat i tranquil\u00b7litat: saps per endavant quant pagar\u00e0s i en quina data acabar\u00e0s de tornar-ho. En una \u00e8poca d&#039;incertesa financera, triar un pr\u00e9stec fix t&#039;ajuda a planificar les despeses i evitar sorpreses. A Avafin, cada pr\u00e9stec fix es gestiona 100 % en l\u00ednia, sense paperassa, amb un proc\u00e9s r\u00e0pid i transparent.&nbsp;<\/p>\n\n\n\n<p>Per a les persones que necessiten diners urgents o volen aprofitar una oportunitat sense complicacions, el pr\u00e9stec fix de Avafin \u00e9s una alternativa ideal. A m\u00e9s, pots sol\u00b7licitar el pr\u00e9stec amb DNI o NIE i obtenir una resposta en pocs minuts.<\/p>\n\n\n\n<p>Comen\u00e7a la teva sol\u00b7licitud en l\u00ednia en pocs minuts i obt\u00e9 una resposta immediata.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>A punt per actuar?<\/strong> Sol\u00b7licitar pr\u00e9stec fix ara<\/h3>\n\n\n        <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                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/minus.svg\" width=\"16\" height=\"16\" alt=\"minus\"\/>\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                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/plus.svg\" width=\"16\" height=\"16\" alt=\"plus\"\/>\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                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/minus.svg\" width=\"16\" height=\"16\" alt=\"minus\"\/>\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                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/plus.svg\" width=\"16\" height=\"16\" alt=\"plus\"\/>\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<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container\"><div class=\"av-itd-content-column\"><h2><strong><strong><strong><strong><strong><strong>Qu\u00e8 \u00e9s un pr\u00e9stec fix i per qu\u00e8 us interessa?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p>Un pr\u00e9stec fix \u00e9s un tipus de finan\u00e7ament en qu\u00e8 el cost total i les quotes es mantenen invariables durant tot el termini. Aix\u00f2 vol dir que no t&#039;has de preocupar per variacions de tipus ni increments inesperats derivats de l&#039;eur\u00edbor.&nbsp;<\/p>\n\n\n\n<p>A difer\u00e8ncia d&#039;un cr\u00e8dit variable, un pr\u00e9stec fix et proporciona una quantitat concreta que retornes en un termini establert, sense sorpreses a la quota mensual. A Avafin, els <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stecs personals<\/a> es presenten amb un cost total transparent que inclou els interessos i la comissi\u00f3 dobertura, sense tarifes ocultes. Pots triar la quantitat des de 50 a 300 euros a la teva primera sol\u00b7licitud i veure immediatament el cost total del teu pr\u00e9stec fix gr\u00e0cies al seu simulador en l\u00ednia.&nbsp;<\/p>\n\n\n\n<p>Aquest enfocament directe i inclusiu permet a qualsevol persona planificar amb precisi\u00f3 les seves finances i saber exactament quant pagar\u00e0 des del primer moment.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/12\/prestamos-fijos.jpg\" alt=\"Pr\u00e9stec fix\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Com funcionen els <\/strong><strong>pr\u00e9stecs a tipus fix<\/strong><strong> i qu\u00e8 aporten a la teva planificaci\u00f3<\/strong><\/h3>\n\n\n\n<p>Els pr\u00e9stecs a tipus fix es caracteritzen per tenir una taxa estable durant tot el per\u00edode damortitzaci\u00f3. En contractar un pr\u00e9stec fix a Avafin, selecciones la quantitat i el termini desitjat al simulador, i el sistema et mostra el cost total que inclou interessos i comissions<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/#:~:text=Elige%20la%20cantidad%20que%20desees,plazo%20m%C3%A1ximo%20te%20ofrece%20el\">.<\/a> Un cop aprovat, rebr\u00e0s els diners al teu compte en q\u00fcesti\u00f3 de minuts i tornar\u00e0s el pr\u00e9stec a la data acordada.&nbsp;<\/p>\n\n\n\n<p>Gr\u00e0cies a aquest model, podeu organitzar el vostre pressupost amb exactitud perqu\u00e8 les quotes no canvien. En no dependre d&#039;indicadors externs ni de fluctuacions del mercat, el teu pla financer es mant\u00e9 ferm i evites incerteses. Aquesta previsibilitat \u00e9s la ra\u00f3 principal per la qual un pr\u00e9stec fix es converteix en una eina valuosa per a la planificaci\u00f3 personal i familiar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Oblida&#039;t de l&#039;Eur\u00edbor i de les pujades: aconsegueix el teu <\/strong><strong>pr\u00e9stec fix<\/strong><strong> sense sorpreses<\/strong><\/h2>\n\n\n\n<p>Un dels atractius m\u00e9s grans d&#039;un pr\u00e9stec fix \u00e9s que no dep\u00e8n d&#039;\u00edndexs com l&#039;eur\u00edbor. Quan tries un pr\u00e9stec fix amb Avafin, t&#039;assegures que l&#039;inter\u00e8s no es vegi afectat per les pujades dels tipus de refer\u00e8ncia. Aix\u00f2 \u00e9s especialment \u00fatil en contextos d&#039;inestabilitat econ\u00f2mica, on les pujades de tipus poden encarir de manera significativa un pr\u00e9stec variable.&nbsp;<\/p>\n\n\n\n<p>Amb un pr\u00e9stec fix, la teva quota roman inalterable, permetent planificar les teves despeses sense ensurts. A Avafin, la transpar\u00e8ncia \u00e9s absoluta: el simulador mostra la quantitat exacta que haur\u00e0s de pagar i la data de venciment, sense lletra petita<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/#:~:text=Elige%20la%20cantidad%20que%20desees,plazo%20m%C3%A1ximo%20te%20ofrece%20el\">.<\/a>&nbsp;<\/p>\n\n\n\n<p>A m\u00e9s, si decideixes tornar el teu pr\u00e9stec abans del termini, Avafin nom\u00e9s et cobra els interessos corresponents als dies en qu\u00e8 el cr\u00e8dit va estar actiu<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/concedim-prestem-urgents-per-a-emergencies-economiques\/#:~:text=La%20primera%20vez%20escoger%C3%ADas%20la,30%20d%C3%ADas%20para%20la%20devoluci%C3%B3n\">.<\/a> Aix\u00ed et protegeixes de les pujades de tipus i mantens el control sobre les teves finances.<\/p>\n\n\n\n<p><strong><br><\/strong>Utilitza el nostre simulador de pr\u00e9stecs per veure la quota del teu pr\u00e9stec fix i triar la quantitat i el termini que millor s&#039;adaptin a tu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Calcula el teu cost total<\/strong><\/h3>\n\n\n        <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 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                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/minus.svg\" width=\"16\" height=\"16\" alt=\"minus\"\/>\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                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/plus.svg\" width=\"16\" height=\"16\" alt=\"plus\"\/>\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 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                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/minus.svg\" width=\"16\" height=\"16\" alt=\"minus\"\/>\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                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/plus.svg\" width=\"16\" height=\"16\" alt=\"plus\"\/>\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<h3 class=\"wp-block-heading\"><strong>Quan triar un <\/strong><strong>pr\u00e9stec fix<\/strong><strong> per tenir pagaments clars i sense canvis<\/strong><\/h3>\n\n\n\n<p>\u00c9s recomanable triar un pr\u00e9stec fix quan valores l&#039;estabilitat i vols evitar fluctuacions en els pagaments. Si teniu un pressupost ajustat o us trobeu en una situaci\u00f3 on qualsevol increment inesperat pot afectar els vostres comptes, un pr\u00e9stec fix ofereix seguretat.&nbsp;<\/p>\n\n\n\n<p>Tamb\u00e9 \u00e9s una bona opci\u00f3 quan necessites un microcr\u00e8dit per cobrir una urg\u00e8ncia, perqu\u00e8 saps des del principi quant costar\u00e0. A Avafin, cada pr\u00e9stec fix est\u00e0 pensat per ajudar en aquestes ocasions, oferint condicions senzilles i un proc\u00e9s de sol\u00b7licitud 100 % digital<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/concedim-prestem-urgents-per-a-emergencies-economiques\/#:~:text=Si%20tuvi%C3%A9semos%20que%20realizar%20un,ofrecemos%20nosotros%2C%20que%20te%20permite\">.<\/a> La decisi\u00f3 d&#039;optar per un pr\u00e9stec fix en lloc d&#039;un variable t&#039;ajudar\u00e0 a mantenir els pagaments clars, sense canvis ni ajustaments posteriors.<\/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><strong><strong><strong><strong><strong>Avantatges d&#039;un pr\u00e9stec fix amb taxa estable<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p>Un pr\u00e9stec fix amb taxa estable ofereix nombrosos avantatges davant d&#039;altres modalitats de finan\u00e7ament. La primera i m\u00e9s evident \u00e9s la previsibilitat: sabr\u00e0s l&#039;import total a pagar des del principi, sense sorpreses ni costos extra<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/#:~:text=Elige%20la%20cantidad%20que%20desees,plazo%20m%C3%A1ximo%20te%20ofrece%20el\">.<\/a> Un altre avantatge \u00e9s la rapidesa del proc\u00e9s. Avafin processa les sol\u00b7licituds en menys de 15 minuts i transfereix els diners a l&#039;instant un cop aprovat el cr\u00e8dit.&nbsp;<\/p>\n\n\n\n<p>La flexibilitat en l&#039;elecci\u00f3 de la quantitat i el termini s&#039;adapta a les teves necessitats: pots sol\u00b7licitar des de 50 fins a 300 euros com a nou client i accedir a imports m\u00e9s grans en el futur<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/concedim-prestem-urgents-per-a-emergencies-economiques\/#:~:text=Si%20eres%20nuevo%20cliente%20puedes,cumpliendo%20tan%20solo%20estos%20requisitos\">.<\/a> A m\u00e9s, la transpar\u00e8ncia \u00e9s clau: a Avafin no hi ha comissions ocultes; totes les condicions es mostren al simulador abans que completis la sol\u00b7licitud<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/#:~:text=Elige%20la%20cantidad%20que%20desees,plazo%20m%C3%A1ximo%20te%20ofrece%20el\">.<\/a> Nom\u00e9s necessites el teu DNI o NIE, un ingr\u00e9s mensual, una targeta de d\u00e8bit i un compte bancari per sol\u00b7licitar el teu pr\u00e9stec fix<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/concedim-prestem-urgents-per-a-emergencies-economiques\/#:~:text=Si%20eres%20nuevo%20cliente%20puedes,cumpliendo%20tan%20solo%20estos%20requisitos\">.<\/a> Aquests avantatges converteixen el pr\u00e9stec fix en una soluci\u00f3 ideal per als que busquen estabilitat i rapidesa.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/12\/fijos.jpg\" alt=\"Pr\u00e9stec fix\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>En qu\u00e8 es diferencien els <\/strong><strong>pr\u00e9stecs variables<\/strong><strong> d&#039;un cost fix<\/strong><\/h3>\n\n\n\n<p>La principal difer\u00e8ncia entre un pr\u00e9stec variable i un pr\u00e9stec fix rau en com es calculen els interessos. En un pr\u00e9stec variable, el tipus dinter\u00e8s est\u00e0 vinculat a \u00edndexs de refer\u00e8ncia com lEur\u00edbor; per tant, les quotes poden pujar o baixar en funci\u00f3 del mercat.&nbsp;<\/p>\n\n\n\n<p>Aix\u00f2 fa que sigui dif\u00edcil preveure quant acabar\u00e0s pagant. En canvi, un pr\u00e9stec fix mant\u00e9 la mateixa taxa durant tot el per\u00edode i ofereix una quota constant. Tot i que alguns bancs publiciten pr\u00e9stecs variables amb tipus inicials m\u00e9s baixos, el risc de pujades futures els pot fer m\u00e9s cars a mitj\u00e0 termini. El pr\u00e9stec fix elimina aquesta incertesa, permetent anticipar la teva despesa total. A Avafin nom\u00e9s s&#039;ofereixen pr\u00e9stecs amb un cost total clar i sense sorpreses; no existeix la modalitat variable, per tant si busques un pr\u00e9stec fix pots comptar amb l&#039;estabilitat i la transpar\u00e8ncia que ofereix l&#039;entitat<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/prestem-a-terminis\/#:~:text=Ofrecemos%20pr%C3%A9stamos%20a%20plazos%20por,atractivo%20el%20pago%20en%20cuotas\">.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00c9s un <\/strong><strong>pr\u00e9stec fix<\/strong><strong> la millor opci\u00f3 per a tu?<\/strong><\/h2>\n\n\n\n<p>Per determinar si un pr\u00e9stec fix \u00e9s la millor opci\u00f3, has de considerar les teves necessitats i la teva capacitat de pagament. Si prioritzeu l&#039;estabilitat i no voleu que les quotes es modifiquin, un pr\u00e9stec fix us donar\u00e0 tranquil\u00b7litat. Avafin recomana el pr\u00e9stec fix a persones que necessiten quantitats petites o mitjanes per afrontar emerg\u00e8ncies o aprofitar oportunitats, ja que l&#039;import inicial per a nous clients \u00e9s de 50 a 300 euros.&nbsp;<\/p>\n\n\n\n<p>Despr\u00e9s de demostrar confian\u00e7a, pots accedir a quantitats m\u00e9s grans i tornar-les en quotes, fins a 4.000 euros en funci\u00f3 del teu historial<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/prestem-a-terminis\/#:~:text=Ofrecemos%20pr%C3%A9stamos%20a%20plazos%20por,atractivo%20el%20pago%20en%20cuotas\">.<\/a> Per tant, si la teva prioritat \u00e9s tenir pagaments predictibles i un proc\u00e9s r\u00e0pid, el pr\u00e9stec fix d&#039;Avafin pot ser la millor alternativa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Per qu\u00e8 una taxa fixa et d\u00f3na estabilitat en la devoluci\u00f3 del pr\u00e9stec<\/strong><\/h3>\n\n\n\n<p>L&#039;estabilitat \u00e9s el benefici m\u00e9s gran d&#039;una taxa fixa. Amb una taxa inalterable, pots calcular de manera precisa quant pagar\u00e0s cada mes oa la data de venciment. No t&#039;has de preocupar per canvis en l&#039;economia o ajustaments de mercat que encareixin el teu finan\u00e7ament.&nbsp;<\/p>\n\n\n\n<p>A Avafin, tots els pr\u00e9stecs ofereixen un cost total clar abans de la sol\u00b7licitud, i si pagues abans del termini t&#039;estalvies els interessos dels dies no consumits. La combinaci\u00f3 d&#039;una taxa fixa amb transpar\u00e8ncia i rapidesa garanteix l&#039;estabilitat necess\u00e0ria per tornar el pr\u00e9stec de manera c\u00f2moda i sense estr\u00e8s.<\/p>\n\n\n\n<p>Completa el formulari amb el teu DNI o NIE i la targeta de d\u00e8bit i rep els teus diners a l&#039;instant.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Comen\u00e7ar sol\u00b7licitud 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\">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\"><strong>Preguntes freq\u00fcents sobre el <\/strong><strong>pr\u00e9stec fix <\/strong><strong>i el tipus d&#039;inter\u00e8s<\/strong><\/h2>\n\n\n\n<p>Sol\u00b7licitar un pr\u00e9stec fix amb Avafin \u00e9s senzill i accessible. Nom\u00e9s necessites un ingr\u00e9s regular, ser major de 21 anys, disposar de targeta de d\u00e8bit o cr\u00e8dit, tenir un compte bancari espanyol i presentar el teu DNI o NIE<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/concedim-prestem-urgents-per-a-emergencies-economiques\/#:~:text=Si%20eres%20nuevo%20cliente%20puedes,cumpliendo%20tan%20solo%20estos%20requisitos\">.<\/a> No cal aval ni justificar la finalitat de la teva petici\u00f3: Avafin ent\u00e9n que cada necessitat financera \u00e9s personal i privada<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/#:~:text=Elige%20la%20cantidad%20que%20desees,plazo%20m%C3%A1ximo%20te%20ofrece%20el\">.<\/a>&nbsp;<\/p>\n\n\n\n<p>Com a nou client, pots demanar entre 50 i 300 euros i tornar-los en un termini m\u00e0xim de 30 dies, amb la possibilitat de prorrogar la devoluci\u00f3 abonant un rec\u00e0rrec<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/#:~:text=Elige%20la%20cantidad%20que%20desees,podr%C3%ADas%20hacerlo%20hasta%2030%20d%C3%ADas\">.<\/a> Despr\u00e9s de generar un historial positiu, podr\u00e0s accedir a imports m\u00e9s grans i sol\u00b7licitar <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/prestem-a-terminis\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stecs a terminis<\/a> de fins a 4.000 euros, dividits en 2 a 4 quotes<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/prestem-a-terminis\/#:~:text=Ofrecemos%20pr%C3%A9stamos%20a%20plazos%20por,atractivo%20el%20pago%20en%20cuotas\">.<\/a> Tot el proc\u00e9s es realitza en l\u00ednia i l&#039;avaluaci\u00f3 es resol en minuts, amb transfer\u00e8ncia immediata dels diners al vostre compte<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/concedim-prestem-urgents-per-a-emergencies-economiques\/#:~:text=Si%20eres%20nuevo%20cliente%20puedes,cumpliendo%20tan%20solo%20estos%20requisitos\">.<\/a>\u00a0<\/p>\n\n\n\n<p>Aquesta combinaci\u00f3 de rapidesa, transpar\u00e8ncia i flexibilitat converteix els pr\u00e9stecs d&#039;Avafin en una excel\u00b7lent opci\u00f3 per als que busquen un pr\u00e9stec fix adaptat a les vostres necessitats. Tot aix\u00f2 s&#039;ajusta al teu ritme i el teu temps.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1766396140634\"><strong class=\"schema-faq-question\"><strong>Com es calcula linter\u00e8s?<\/strong><\/strong> <p class=\"schema-faq-answer\">El TIN reflecteix el percentatge que cobra l&#039;entitat sobre el capital prestat, mentre que la TAE inclou comissions i costos addicionals<a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-tin-i-tae\/#:~:text=El%20TIN%20son%20las%20siglas,relacionados%20al%20pr%C3%A9stamo%20que%20solicitas\">.<\/a> A Avafin pots veure ambd\u00f3s valors al simulador abans de sol\u00b7licitar el teu pr\u00e9stec.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1766396150312\"><strong class=\"schema-faq-question\"><strong>Quina difer\u00e8ncia hi ha entre TIN i TAE?<\/strong><\/strong> <p class=\"schema-faq-answer\">El TIN mostra nom\u00e9s els interessos, mentre que el TAE ofereix una visi\u00f3 completa del cost total<a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-tin-i-tae\/#:~:text=El%20TIN%20son%20las%20siglas,relacionados%20al%20pr%C3%A9stamo%20que%20solicitas\">.<\/a>\u00a0 Pots llegir m\u00e9s a <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-tin-i-tae\/\" target=\"_blank\" rel=\"noreferrer noopener\">el nostre article aqu\u00ed<\/a>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1766396164349\"><strong class=\"schema-faq-question\"><strong>Avafin ofereix pr\u00e9stecs variables?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. Tots els productes d&#039;Avafin tenen un cost total fix i transparent<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/prestem-a-terminis\/#:~:text=Ofrecemos%20pr%C3%A9stamos%20a%20plazos%20por,atractivo%20el%20pago%20en%20cuotas\">.<\/a><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1766396174493\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 passa si torno el meu pr\u00e9stec abans?<\/strong><\/strong> <p class=\"schema-faq-answer\">S&#039;apliquen interessos nom\u00e9s pel temps en qu\u00e8 el pr\u00e9stec va estar actiu<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/concedim-prestem-urgents-per-a-emergencies-economiques\/#:~:text=La%20primera%20vez%20escoger%C3%ADas%20la,30%20d%C3%ADas%20para%20la%20devoluci%C3%B3n\">.<\/a><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1766396184154\"><strong class=\"schema-faq-question\"><strong>Es pot demanar un pr\u00e9stec fix amb ASNEF?<\/strong><\/strong> <p class=\"schema-faq-answer\">Avafin estudia cada cas i ofereix opcions r\u00e0pides sempre que compleixis amb els requisits b\u00e0sics<a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-tin-i-tae\/#:~:text=El%20TIN%20son%20las%20siglas,relacionados%20al%20pr%C3%A9stamo%20que%20solicitas\">.<\/a><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1766396218792\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 \u00e9s un pr\u00e9stec fix amb taxa fixa?<\/strong><\/strong> <p class=\"schema-faq-answer\">L&#039;expressi\u00f3 pr\u00e9stec fix amb taxa fixa s&#039;utilitza per refor\u00e7ar que l&#039;inter\u00e8s no canviar\u00e0 en cap moment. Avafin aplica aquesta modalitat a tots els seus cr\u00e8dits: des de la primera sol\u00b7licitud de 50 a 300 euros fins als <a href=\"https:\/\/www.\/prestamos\/prestamos-a-plazo\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stecs a terminis<\/a> que poden assolir 4.000 euros<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/#:~:text=Elige%20la%20cantidad%20que%20desees,plazo%20m%C3%A1ximo%20te%20ofrece%20el\">.<\/a> Aquesta claredat de condicions permet seleccionar la quantitat i el termini mitjan\u00e7ant el simulador i confirmar-ne el cost total en un instant. Saber que la taxa romandr\u00e0 constant t&#039;ajuda a planificar la devoluci\u00f3 sense incerteses ni sobresalts.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1766396233591\"><strong class=\"schema-faq-question\"><strong>Puc canviar el meu pr\u00e9stec a un pr\u00e9stec fix?<\/strong><\/strong> <p class=\"schema-faq-answer\">Algunes entitats permeten renegociar un pr\u00e9stec variable per convertir-lo en fix. Avafin nom\u00e9s ofereix pr\u00e9stecs amb cost fix, de manera que tots els seus productes ja compten amb aquesta caracter\u00edstica<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/prestem-a-terminis\/#:~:text=Ofrecemos%20pr%C3%A9stamos%20a%20plazos%20por,atractivo%20el%20pago%20en%20cuotas\">.<\/a> Si tens un pr\u00e9stec variable amb una altra entitat i desitges un pr\u00e9stec fix, en pots sol\u00b7licitar un de nou a Avafin per cancel\u00b7lar el teu deute sempre que s&#039;ajusti a la teva capacitat de pagament.\u00a0<br\/>Analitzeu les comissions de cancel\u00b7laci\u00f3 i el TAE dels dos pr\u00e9stecs per determinar si l&#039;operaci\u00f3 us conv\u00e9.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1766396243618\"><strong class=\"schema-faq-question\"><strong>Un pr\u00e9stec fix \u00e9s m\u00e9s car que altres tipus de pr\u00e9stec?<\/strong><\/strong> <p class=\"schema-faq-answer\">Un pr\u00e9stec fix pot tenir un inter\u00e8s lleugerament superior al principi perqu\u00e8 l&#039;entitat assumeix el risc de pujades de tipus futures. Tot i aix\u00f2, l&#039;avantatge de pagar sempre la mateixa quota compensa aquesta difer\u00e8ncia. En per\u00edodes de pujada de tipus, el pr\u00e9stec fix \u00e9s m\u00e9s econ\u00f2mic perqu\u00e8 no s&#039;encareix amb l&#039;eur\u00edbor.\u00a0<br\/>A Avafin, els imports s\u00f3n redu\u00efts i els terminis curts, de manera que les difer\u00e8ncies de cost entre un pr\u00e9stec fix i altres modalitats s\u00f3n poc significatives<a href=\"https:\/\/www.avafin.es\/ca\/prestem\/concedim-prestem-urgents-per-a-emergencies-economiques\/#:~:text=Si%20eres%20nuevo%20cliente%20puedes,cumpliendo%20tan%20solo%20estos%20requisitos\">.<\/a> El valor de la transpar\u00e8ncia i la previsibilitat supera qualsevol variaci\u00f3 m\u00ednima de tipus.<br\/><strong><br\/><\/strong> Coneix els requisits b\u00e0sics i comprova si pots sol\u00b7licitar el pr\u00e9stec fix avui mateix.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Demana un pr\u00e9stec a l&#039;instant<\/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-ho avui 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>Un pr\u00e9stec fix ofereix claredat i tranquil\u00b7litat: saps per endavant quant pagar\u00e0s i en quina data acabar\u00e0s de tornar-ho. En una \u00e8poca d&#039;incertesa financera, triar un pr\u00e9stec fix t&#039;ajuda a planificar les despeses i evitar sorpreses. A Avafin, cada pr\u00e9stec fix es gestiona 100 % en l\u00ednia, sense paperassa, amb un proc\u00e9s r\u00e0pid i [\u2026]<\/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 con un coste total claro y sin sorpresas. Elige la cantidad y devuelve tu pr\u00e9stamo online de forma sencilla y transparente.\" \/>\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\/fix\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00e9stamo fijo | AvaFin Espa\u00f1a\" \/>\n<meta property=\"og:description\" content=\"Solicita un pr\u00e9stamo fijo con un coste total claro y sin sorpresas. 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Elige la cantidad y devuelve tu pr\u00e9stamo online de forma sencilla y 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fijo con coste total transparente\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.avafin.es\/ca\/#website\",\"url\":\"https:\/\/www.avafin.es\/ca\/\",\"name\":\"AvaFin Espa\u00f1a\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.avafin.es\/ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396140634\",\"position\":1,\"url\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396140634\",\"name\":\"\u00bfC\u00f3mo se calcula el inter\u00e9s?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"El TIN refleja el porcentaje que la entidad cobra sobre el capital prestado, mientras que la TAE incluye comisiones y costes adicionales<a href=\\\"https:\/\/www.avafin.es\/blog\/que-es-tin-y-tae#:~:text=El%20TIN%20son%20las%20siglas,relacionados%20al%20pr%C3%A9stamo%20que%20solicitas\\\">.<\/a> En Avafin puedes ver ambos valores en el simulador antes de solicitar tu pr\u00e9stamo.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396150312\",\"position\":2,\"url\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396150312\",\"name\":\"\u00bfQu\u00e9 diferencia hay entre TIN y TAE?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"El TIN muestra solo los intereses, mientras que el TAE ofrece una visi\u00f3n completa del coste total<a href=\\\"https:\/\/www.avafin.es\/blog\/que-es-tin-y-tae#:~:text=El%20TIN%20son%20las%20siglas,relacionados%20al%20pr%C3%A9stamo%20que%20solicitas\\\">.<\/a>\u00a0 Puedes leer m\u00e1s en <a href=\\\"https:\/\/www.avafin.es\/blog\/que-es-tin-y-tae\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">nuestro art\u00edculo aqu\u00ed<\/a>.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396164349\",\"position\":3,\"url\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396164349\",\"name\":\"\u00bfAvafin ofrece pr\u00e9stamos variables?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Todos los productos de Avafin tienen un coste total fijo y transparente<a href=\\\"https:\/\/www.avafin.es\/prestamos\/prestamos-a-plazos#:~:text=Ofrecemos%20pr%C3%A9stamos%20a%20plazos%20por,atractivo%20el%20pago%20en%20cuotas\\\">.<\/a>\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396174493\",\"position\":4,\"url\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396174493\",\"name\":\"\u00bfQu\u00e9 pasa si devuelvo mi pr\u00e9stamo antes?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Se aplican intereses solo por el tiempo en que el pr\u00e9stamo estuvo activo<a href=\\\"https:\/\/www.avafin.es\/prestamos\/concedemos-prestamos-urgentes-para-emergencias-economicas#:~:text=La%20primera%20vez%20escoger%C3%ADas%20la,30%20d%C3%ADas%20para%20la%20devoluci%C3%B3n\\\">.<\/a>\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396184154\",\"position\":5,\"url\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396184154\",\"name\":\"\u00bfSe puede pedir un pr\u00e9stamo fijo con ASNEF?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Avafin estudia cada caso y ofrece opciones r\u00e1pidas siempre que cumplas con los requisitos b\u00e1sicos<a href=\\\"https:\/\/www.avafin.es\/blog\/que-es-tin-y-tae#:~:text=El%20TIN%20son%20las%20siglas,relacionados%20al%20pr%C3%A9stamo%20que%20solicitas\\\">.<\/a>\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396218792\",\"position\":6,\"url\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396218792\",\"name\":\"\u00bfQu\u00e9 es un pr\u00e9stamo fijo con tasa fija?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La expresi\u00f3n pr\u00e9stamo fijo con tasa fija se utiliza para reforzar que el inter\u00e9s no cambiar\u00e1 en ning\u00fan momento. Avafin aplica esta modalidad en todos sus cr\u00e9ditos: desde la primera solicitud de 50 a 300 euros hasta los <a href=\\\"https:\/\/www.\/prestamos\/prestamos-a-plazo\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">pr\u00e9stamos a plazos<\/a> que pueden alcanzar 4.000 euros<a href=\\\"https:\/\/www.avafin.es\/prestamos\/personales#:~:text=Elige%20la%20cantidad%20que%20desees,plazo%20m%C3%A1ximo%20te%20ofrece%20el\\\">.<\/a> Esta claridad de condiciones permite seleccionar la cantidad y el plazo mediante el simulador y confirmar el coste total en un instante. Saber que la tasa permanecer\u00e1 constante te ayuda a planificar tu devoluci\u00f3n sin incertidumbres ni sobresaltos.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396233591\",\"position\":7,\"url\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396233591\",\"name\":\"\u00bfPuedo cambiar mi pr\u00e9stamo a un pr\u00e9stamo fijo?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Algunas entidades permiten renegociar un pr\u00e9stamo variable para convertirlo en fijo. Avafin solo ofrece pr\u00e9stamos con coste fijo, por lo que todos sus productos ya cuentan con esta caracter\u00edstica<a href=\\\"https:\/\/www.avafin.es\/prestamos\/prestamos-a-plazos#:~:text=Ofrecemos%20pr%C3%A9stamos%20a%20plazos%20por,atractivo%20el%20pago%20en%20cuotas\\\">.<\/a> Si tienes un pr\u00e9stamo variable con otra entidad y deseas un pr\u00e9stamo fijo, puedes solicitar uno nuevo en Avafin para cancelar tu deuda siempre que se ajuste a tu capacidad de pago.\u00a0<br\/>Analiza las comisiones de cancelaci\u00f3n y el TAE de ambos pr\u00e9stamos para determinar si la operaci\u00f3n te conviene.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396243618\",\"position\":8,\"url\":\"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396243618\",\"name\":\"\u00bfUn pr\u00e9stamo fijo es m\u00e1s caro que otros tipos de pr\u00e9stamo?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un pr\u00e9stamo fijo puede tener un inter\u00e9s ligeramente superior al principio porque la entidad asume el riesgo de futuras subidas de tipos. Sin embargo, la ventaja de pagar siempre la misma cuota compensa esa diferencia. 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Tria la quantitat i torna el teu pr\u00e9stec en l\u00ednia de forma senzilla i transparent.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.avafin.es\/ca\/prestem\/fix","og_locale":"ca_ES","og_type":"article","og_title":"Pr\u00e9stamo fijo | AvaFin Espa\u00f1a","og_description":"Solicita un pr\u00e9stamo fijo con un coste total claro y sin sorpresas. Elige la cantidad y devuelve tu pr\u00e9stamo online de forma sencilla y transparente.","og_url":"https:\/\/www.avafin.es\/ca\/prestem\/fix","og_site_name":"AvaFin Espa\u00f1a","article_modified_time":"2025-12-22T09:59:29+00:00","og_image":[{"url":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/12\/prestamos-fijos.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"10 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["WebPage","FAQPage"],"@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix","url":"https:\/\/www.avafin.es\/ca\/prestem\/fix","name":"Pr\u00e9stec fix | AvaFin Espanya","isPartOf":{"@id":"https:\/\/www.avafin.es\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#primaryimage"},"image":{"@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#primaryimage"},"thumbnailUrl":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/12\/prestamos-fijos.jpg","datePublished":"2025-12-22T09:59:28+00:00","dateModified":"2025-12-22T09:59:29+00:00","description":"Demana un pr\u00e9stec fix amb un cost total clar i sense sorpreses. Tria la quantitat i torna el teu pr\u00e9stec en l\u00ednia de forma senzilla i transparent.","breadcrumb":{"@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#breadcrumb"},"mainEntity":[{"@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396140634"},{"@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396150312"},{"@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396164349"},{"@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396174493"},{"@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396184154"},{"@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396218792"},{"@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396233591"},{"@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396243618"}],"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.avafin.es\/ca\/prestem\/fix"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#primaryimage","url":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/12\/prestamos-fijos.jpg","contentUrl":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/12\/prestamos-fijos.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Inicio","item":"https:\/\/www.avafin.es\/"},{"@type":"ListItem","position":2,"name":"Pr\u00e9stamo fijo con coste total transparente"}]},{"@type":"WebSite","@id":"https:\/\/www.avafin.es\/ca\/#website","url":"https:\/\/www.avafin.es\/ca\/","name":"AvaFin Espanya","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.avafin.es\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396140634","position":1,"url":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396140634","name":"Com es calcula linter\u00e8s?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"El TIN refleja el porcentaje que la entidad cobra sobre el capital prestado, mientras que la TAE incluye comisiones y costes adicionales<a href=\"https:\/\/www.avafin.es\/blog\/que-es-tin-y-tae#:~:text=El%20TIN%20son%20las%20siglas,relacionados%20al%20pr%C3%A9stamo%20que%20solicitas\">.<\/a> En Avafin puedes ver ambos valores en el simulador antes de solicitar tu pr\u00e9stamo.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396150312","position":2,"url":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396150312","name":"Quina difer\u00e8ncia hi ha entre TIN i TAE?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"El TIN muestra solo los intereses, mientras que el TAE ofrece una visi\u00f3n completa del coste total<a href=\"https:\/\/www.avafin.es\/blog\/que-es-tin-y-tae#:~:text=El%20TIN%20son%20las%20siglas,relacionados%20al%20pr%C3%A9stamo%20que%20solicitas\">.<\/a>\u00a0 Puedes leer m\u00e1s en <a href=\"https:\/\/www.avafin.es\/blog\/que-es-tin-y-tae\" target=\"_blank\" rel=\"noreferrer noopener\">nuestro art\u00edculo aqu\u00ed<\/a>.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396164349","position":3,"url":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396164349","name":"Avafin ofereix pr\u00e9stecs variables?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. Todos los productos de Avafin tienen un coste total fijo y transparente<a href=\"https:\/\/www.avafin.es\/prestamos\/prestamos-a-plazos#:~:text=Ofrecemos%20pr%C3%A9stamos%20a%20plazos%20por,atractivo%20el%20pago%20en%20cuotas\">.<\/a>","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396174493","position":4,"url":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396174493","name":"Qu\u00e8 passa si torno el meu pr\u00e9stec abans?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Se aplican intereses solo por el tiempo en que el pr\u00e9stamo estuvo activo<a href=\"https:\/\/www.avafin.es\/prestamos\/concedemos-prestamos-urgentes-para-emergencias-economicas#:~:text=La%20primera%20vez%20escoger%C3%ADas%20la,30%20d%C3%ADas%20para%20la%20devoluci%C3%B3n\">.<\/a>","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396184154","position":5,"url":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396184154","name":"Es pot demanar un pr\u00e9stec fix amb ASNEF?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Avafin estudia cada caso y ofrece opciones r\u00e1pidas siempre que cumplas con los requisitos b\u00e1sicos<a href=\"https:\/\/www.avafin.es\/blog\/que-es-tin-y-tae#:~:text=El%20TIN%20son%20las%20siglas,relacionados%20al%20pr%C3%A9stamo%20que%20solicitas\">.<\/a>","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396218792","position":6,"url":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396218792","name":"Qu\u00e8 \u00e9s un pr\u00e9stec fix amb taxa fixa?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"La expresi\u00f3n pr\u00e9stamo fijo con tasa fija se utiliza para reforzar que el inter\u00e9s no cambiar\u00e1 en ning\u00fan momento. Avafin aplica esta modalidad en todos sus cr\u00e9ditos: desde la primera solicitud de 50 a 300 euros hasta los <a href=\"https:\/\/www.\/prestamos\/prestamos-a-plazo\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stamos a plazos<\/a> que pueden alcanzar 4.000 euros<a href=\"https:\/\/www.avafin.es\/prestamos\/personales#:~:text=Elige%20la%20cantidad%20que%20desees,plazo%20m%C3%A1ximo%20te%20ofrece%20el\">.<\/a> Esta claridad de condiciones permite seleccionar la cantidad y el plazo mediante el simulador y confirmar el coste total en un instante. Saber que la tasa permanecer\u00e1 constante te ayuda a planificar tu devoluci\u00f3n sin incertidumbres ni sobresaltos.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396233591","position":7,"url":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396233591","name":"Puc canviar el meu pr\u00e9stec a un pr\u00e9stec fix?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Algunas entidades permiten renegociar un pr\u00e9stamo variable para convertirlo en fijo. Avafin solo ofrece pr\u00e9stamos con coste fijo, por lo que todos sus productos ya cuentan con esta caracter\u00edstica<a href=\"https:\/\/www.avafin.es\/prestamos\/prestamos-a-plazos#:~:text=Ofrecemos%20pr%C3%A9stamos%20a%20plazos%20por,atractivo%20el%20pago%20en%20cuotas\">.<\/a> Si tienes un pr\u00e9stamo variable con otra entidad y deseas un pr\u00e9stamo fijo, puedes solicitar uno nuevo en Avafin para cancelar tu deuda siempre que se ajuste a tu capacidad de pago.\u00a0<br\/>Analiza las comisiones de cancelaci\u00f3n y el TAE de ambos pr\u00e9stamos para determinar si la operaci\u00f3n te conviene.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396243618","position":8,"url":"https:\/\/www.avafin.es\/ca\/prestem\/fix#faq-question-1766396243618","name":"Un pr\u00e9stec fix \u00e9s m\u00e9s car que altres tipus de pr\u00e9stec?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Un pr\u00e9stamo fijo puede tener un inter\u00e9s ligeramente superior al principio porque la entidad asume el riesgo de futuras subidas de tipos. Sin embargo, la ventaja de pagar siempre la misma cuota compensa esa diferencia. En periodos de subida de tipos, el pr\u00e9stamo fijo resulta m\u00e1s econ\u00f3mico porque no se encarece con el Eur\u00edbor.\u00a0<br\/>En Avafin, los importes son reducidos y los plazos cortos, de modo que las diferencias de coste entre un pr\u00e9stamo fijo y otras modalidades son poco significativas<a href=\"https:\/\/www.avafin.es\/prestamos\/concedemos-prestamos-urgentes-para-emergencias-economicas#:~:text=Si%20eres%20nuevo%20cliente%20puedes,cumpliendo%20tan%20solo%20estos%20requisitos\">.<\/a> El valor de la transparencia y la previsibilidad supera cualquier variaci\u00f3n m\u00ednima de tipo.<br\/><strong><br\/><\/strong> Conoce los requisitos b\u00e1sicos y comprueba si puedes solicitar tu pr\u00e9stamo fijo hoy mismo.","inLanguage":"ca"},"inLanguage":"ca"}]}},"_links":{"self":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/pages\/7814","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/comments?post=7814"}],"version-history":[{"count":0,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/pages\/7814\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media?parent=7814"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}