{"id":8096,"date":"2026-01-28T16:42:35","date_gmt":"2026-01-28T14:42:35","guid":{"rendered":"https:\/\/www.avafin.es\/?page_id=8096"},"modified":"2026-01-28T16:42:38","modified_gmt":"2026-01-28T14:42:38","slug":"pensionistes","status":"publish","type":"page","link":"https:\/\/www.avafin.es\/ca\/prestem\/pensionistes","title":{"rendered":"Pr\u00e9stecs per a pensionistes: qu\u00e8 has de saber abans de sol\u00b7licitar-los"},"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_b430dbe39a3e49ecf6796120584c2ce0\" 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<p>Ser pensionista no us impedeix sol\u00b7licitar un pr\u00e9stec per cobrir necessitats puntuals. A Avafin entenem que cada situaci\u00f3 \u00e9s diferent i que els <strong>pr\u00e9stecs pensionistes<\/strong> poden ser una opci\u00f3 quan sorgeixen despeses concretes i imprevistes. En aquesta guia us expliquem com funcionen els <strong>pr\u00e9stecs pensionistes<\/strong>, quins aspectes se solen avaluar i com s&#039;analitza cada sol\u00b7licitud de manera individual. El nostre objectiu \u00e9s que comptis amb informaci\u00f3 clara i \u00fatil per prendre decisions responsables, valorant sempre la teva capacitat de devoluci\u00f3 i la teva estabilitat econ\u00f2mica.<\/p>\n\n\n\n<p>A Avafin oferim pr\u00e9stecs de curta durada pensats per a situacions puntuals. L&#039;import m\u00ednim disponible \u00e9s de 50 \u20ac i, amb un bon comportament de pagament, podr\u00e0s accedir progressivament a imports m\u00e9s grans en futures sol\u00b7licituds, sempre amb un l\u00edmit m\u00e0xim de 2.000 \u20ac per operaci\u00f3. Els <strong>pr\u00e9stecs pensionistes<\/strong> estan orientats a necessitats concretes i no permeten obtenir imports elevats en una sola sol\u00b7licitud. En tot moment podreu consultar les condicions de forma clara i transparent per valorar si aquest tipus de pr\u00e9stec s&#039;ajusta a la vostra situaci\u00f3.<\/p>\n\n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container\"><div class=\"av-itd-content-column\"><h2><strong>Qu\u00e8 s\u00f3n els pr\u00e9stecs per a pensionistes?<\/strong><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p>Un <strong>pr\u00e9stec pensionista<\/strong> \u00e9s una forma de finan\u00e7ament destinada a persones que reben una pensi\u00f3, ja sigui per jubilaci\u00f3 o una altra causa reconeguda. Ser pensionista significa percebre un ingr\u00e9s regular provinent de la Seguretat Social o una altra entitat, cosa que pot oferir estabilitat per tornar un pr\u00e9stec. A difer\u00e8ncia de treballadors actius o aut\u00f2noms, els pensionistes no depenen d&#039;un salari variable, tot i que els ingressos poden ser m\u00e9s limitats.&nbsp;<\/p>\n\n\n\n<p>Els pr\u00e9stecs pensionistes estan pensats per cobrir necessitats puntuals i de curta durada. No es tracta de pr\u00e9stecs a llarg termini i cada sol\u00b7licitud es revisa de manera individual per comprovar que el comprom\u00eds de devoluci\u00f3 \u00e9s adequat a la teva situaci\u00f3 econ\u00f2mica.&nbsp;<\/p>\n\n\n\n<p>A Avafin avaluem cada operaci\u00f3 de manera individual, sense promeses d&#039;aprovaci\u00f3 autom\u00e0tica. Volem que comprenguis els conceptes clau dels <strong>pr\u00e9stecs pensionistes<\/strong>, perqu\u00e8 puguis prendre decisions informades que s&#039;adaptin a les teves circumst\u00e0ncies personals.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/01\/pensionistas.jpg\" alt=\"Prestem per a pensionistes\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Un pensionista pot sol\u00b7licitar un pr\u00e9stec?<\/strong><\/h2>\n\n\n\n<p>S\u00ed, un pensionista pot sol\u00b7licitar un pr\u00e9stec i que la seva sol\u00b7licitud sigui avaluada, sempre que compleixi els criteris generals i demostri capacitat de devoluci\u00f3.<\/p>\n\n\n\n<p>A Avafin revisem sol\u00b7licituds de <strong>pr\u00e9stecs pensionistes<\/strong> analitzant factors com els ingressos estables, la solv\u00e8ncia i la capacitat de devoluci\u00f3. L&#039;avaluaci\u00f3 responsable implica que, encara que siguis pensionista, no hi ha cap garantia d&#039;aprovaci\u00f3. Els nostres analistes consideren el vostre historial de pagaments, l&#039;import sol\u00b7licitat i la possibilitat d&#039;assumir el comprom\u00eds sense posar en risc la vostra economia. \u00c9s important evitar promeses absolutes: la concessi\u00f3 de <strong>pr\u00e9stecs pensionistes<\/strong> dep\u00e8n d&#039;una valoraci\u00f3 prudent i que es compleixin els requisits b\u00e0sics.&nbsp;<\/p>\n\n\n\n<p>Si vols saber si compleixes els <a href=\"https:\/\/www.avafin.es\/ca\/com-sol%c2%b7licitar-un-prestec\/\" target=\"_blank\" rel=\"noreferrer noopener\">requisits generals<\/a>, podeu consultar els nostres criteris i revisar la informaci\u00f3 disponible abans d&#039;iniciar la sol\u00b7licitud.<\/p>\n\n\n\n<p>A l&#039;an\u00e0lisi de <strong>pr\u00e9stecs pensionistes<\/strong>, considerem l&#039;edat, el tipus de pensi\u00f3 i altres ingressos. Persones amb pensi\u00f3 de jubilaci\u00f3, pensionistes d&#039;incapacitat o els qui perceben ajudes reconegudes poden accedir als nostres <strong>pr\u00e9stecs pensionistes<\/strong> sempre que compten amb moviments regulars al vostre compte. No obstant aix\u00f2, no prometem una aprovaci\u00f3 autom\u00e0tica, perqu\u00e8 els <strong>pr\u00e9stecs pensionistes<\/strong> estan subjectes a una avaluaci\u00f3 prudent. Si busques informaci\u00f3 detallada sobre els requisits, revisa la nostra secci\u00f3 de requisits per demanar un pr\u00e9stec online, on trobar\u00e0s el llistat complet per <strong>pr\u00e9stecs pensionistes<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Descobreix si pots sol\u00b7licitar un pr\u00e9stec sent pensionista<\/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>Requisits habituals per a pr\u00e9stecs a pensionistes<\/strong><\/h2>\n\n\n\n<p>Tot i que cada cas \u00e9s diferent, hi ha requisits generals que solen ser necessaris per accedir a <strong>pr\u00e9stecs pensionistes<\/strong>. No s\u00f3n exclusives d&#039;Avafin, sin\u00f3 par\u00e0metres habituals al sector financer. A continuaci\u00f3 es detallen els elements principals que es tenen en compte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Ingressos estables (pensi\u00f3)<\/strong><\/h3>\n\n\n\n<p>Disposar d&#039;una pensi\u00f3 o ingr\u00e9s regular \u00e9s fonamental per sol\u00b7licitar <strong>pr\u00e9stecs pensionistes<\/strong>. Se sol requerir un comprovant de pensi\u00f3 o altre document que acrediti l&#039;estabilitat dels teus ingressos. La pensi\u00f3 permet avaluar si podreu tornar el pr\u00e9stec en el termini previst sense dificultats.<\/p>\n\n\n\n<p>A m\u00e9s dels requisits b\u00e0sics, als <strong>pr\u00e9stecs pensionistes<\/strong> es revisa el teu historial de pagaments. Haver complert les teves obligacions en el passat \u00e9s un factor que es t\u00e9 en compte durant l&#039;avaluaci\u00f3, juntament amb altres elements de la teva situaci\u00f3 financera.<\/p>\n\n\n\n<p>Aix\u00ed mateix, s&#039;analitzen altres factors com ara deutes previs i l&#039;estabilitat de la pensi\u00f3. Una verificaci\u00f3 responsable garanteix que els <strong>pr\u00e9stecs pensionistes<\/strong> no suposin un risc per a la teva economia. Per aix\u00f2, encara que el proc\u00e9s sigui r\u00e0pid, prenem el temps necessari per comprovar totes les dades. Si tens algun dubte sobre com preparar la documentaci\u00f3, pots visitar la nostra guia sobre <a href=\"https:\/\/www.avafin.es\/ca\/com-sol%c2%b7licitar-un-prestec\/\" target=\"_blank\" rel=\"noreferrer noopener\">com sol\u00b7licitar un pr\u00e9stec<\/a>, que explica cada pas del proc\u00e9s de sol\u00b7licitud de <strong>pr\u00e9stecs pensionistes<\/strong> amb detall.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Compte bancari<\/strong><\/h3>\n\n\n\n<p>Cal comptar amb un compte bancari actiu en qu\u00e8 es realitzin moviments regulars. En aquest compte s&#039;ingressar\u00e0 l&#039;import del <strong>pr\u00e9stec pensionista<\/strong> i des d&#039;aquesta es faran els pagaments corresponents.&nbsp;<\/p>\n\n\n\n<p>No demanem dades dacc\u00e9s ni de targetes; la revisi\u00f3 es fa mitjan\u00e7ant processos segurs de verificaci\u00f3 banc\u00e0ria per comprovar els teus moviments i la titularitat del compte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Documentaci\u00f3 b\u00e0sica<\/strong><\/h3>\n\n\n\n<p>Per sol\u00b7licitar <strong>pr\u00e9stecs pensionistes<\/strong> haur\u00e0s de presentar documentaci\u00f3 d&#039;identitat com ara DNI o NIE, aix\u00ed com les teves dades de contacte. La verificaci\u00f3 didentitat \u00e9s un pas imprescindible per prevenir fraus i complir la normativa.&nbsp;<\/p>\n\n\n\n<p>En cap cas se sol\u00b7licitar\u00e0 que signis un contracte f\u00edsic. Els termes i les condicions s&#039;accepten durant el proc\u00e9s en l\u00ednia i la documentaci\u00f3 contractual s&#039;envia juntament amb la transfer\u00e8ncia, un cop aprovat el pr\u00e9stec.<\/p>\n\n\n\n<p>Recorda que a Avafin valorem la teva transpar\u00e8ncia i tota la documentaci\u00f3 ser\u00e0 tractada de manera confidencial.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Consulta els requisits per demanar un pr\u00e9stec en l\u00ednia<\/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>\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>Per qu\u00e8 se solen sol\u00b7licitar pr\u00e9stecs els pensionistes?<\/strong><\/strong><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p>Els <strong>pr\u00e9stecs pensionistes<\/strong> responen a necessitats personals i puntuals. Moltes vegades se sol\u00b7liciten per cobrir despeses imprevistes, com ara reparacions a la llar o despeses m\u00e8diques inesperades. Tamb\u00e9 \u00e9s com\u00fa que algunes persones grans demanin finan\u00e7ament per recolzar un familiar en un moment concret, com un fill o n\u00e9t que necessita ajuda puntual. Una altra possibilitat \u00e9s destinar els diners a satisfer necessitats personals, com ara millorar la qualitat de vida, realitzar petites reformes o gaudir d&#039;una activitat que requereixi un desemborsament immediat. En tots els casos, els <strong>pr\u00e9stecs pensionistes<\/strong> cal ajustar-se a la capacitat de cada sol\u00b7licitant.<\/p>\n\n\n\n<p>Algunes persones sol\u00b7liciten <strong>pr\u00e9stecs pensionistes<\/strong> per costejar una reparaci\u00f3 urgent del cotxe o per reempla\u00e7ar un electrodom\u00e8stic. Altres prefereixen utilitzar els <strong>pr\u00e9stecs pensionistes<\/strong> per gaudir d&#039;un viatge o fer petites reformes a casa vostra, sabent que podreu tornar l&#039;import en un termini curt. Fins i tot n&#039;hi ha que destinen aquests pr\u00e9stecs a finan\u00e7ar tractaments m\u00e8dics o ter\u00e0pies que milloren el seu benestar. Sigui quina sigui la finalitat, recorda que \u00e9s important sol\u00b7licitar nom\u00e9s all\u00f2 que necessites.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/01\/prestamos-pensionistas.jpg\" alt=\"Prestem per a pensionistes\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>En qu\u00e8 fixar-se abans de demanar un pr\u00e9stec sent pensionista?<\/strong><\/h2>\n\n\n\n<p>Abans de contractar <strong>pr\u00e9stecs pensionistes<\/strong>, conv\u00e9 tenir en compte certs aspectes que us ajudaran a prendre una decisi\u00f3 responsable. L&#039;educaci\u00f3 financera \u00e9s essencial per evitar situacions de sobreendeutament. A continuaci\u00f3 es presenten els punts clau que cal avaluar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cost total<\/strong><\/h3>\n\n\n\n<p>El cost total dels <strong>pr\u00e9stecs pensionistes<\/strong> inclou no nom\u00e9s l&#039;import del pr\u00e9stec, sin\u00f3 tamb\u00e9 els interessos i les possibles comissions associades. A Avafin et proporcionarem una visi\u00f3 clara del cost total perqu\u00e8 s\u00e0pigues exactament quant pagar\u00e0s.&nbsp;<\/p>\n\n\n\n<p>Us aconsellem revisar detingudament aquesta informaci\u00f3 i valorar si les condicions s&#039;ajusten al vostre pressupost abans de continuar amb la sol\u00b7licitud. Si vols ampliar informaci\u00f3 sobre com calcular aquest cost, pots consultar <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/\">nostre <\/a><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/\" target=\"_blank\" rel=\"noreferrer noopener\">r<\/a><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/\">ecurs sobre cost total<\/a>.<\/p>\n\n\n\n<p>A m\u00e9s, \u00e9s recomanable revisar diferents opcions de <strong>pr\u00e9stecs pensionistes<\/strong> i analitzar-ne les condicions amb deteniment abans d&#039;iniciar una sol\u00b7licitud. Alguns pr\u00e9stecs poden incloure comissions per pr\u00f2rrogues o canvis en les quotes, aix\u00ed que informa&#039;t b\u00e9.<\/p>\n\n\n\n<p><strong>Informa&#039;t sobre el cost total abans de sol\u00b7licitar un pr\u00e9stec<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Termini de devoluci\u00f3<\/strong><\/h3>\n\n\n\n<p>El termini de devoluci\u00f3 \u00e9s el temps que tindr\u00e0s per reintegrar l&#039;import del <strong>pr\u00e9stec pensionista<\/strong>. A Avafin no oferim pr\u00e9stecs a terminis llargs; les nostres operacions s\u00f3n de curta durada. Has d&#039;avaluar si el termini proposat \u00e9s suficient per tornar els diners sense desequilibrar les teves finances. Recorda que, amb un bon historial de pagament, podr\u00e0s accedir progressivament a imports m\u00e9s grans en futures sol\u00b7licituds, mantenint-se el l\u00edmit per operaci\u00f3 en 2.000\u20ac.&nbsp;<\/p>\n\n\n\n<p>Hi ha opcions d&#039;extensi\u00f3 de pagament de manera puntual, subjectes a condicions espec\u00edfiques, amb un termini m\u00e0xim de fins a 30 dies. Aquestes extensions se sol\u00b7liciten de manera expressa i s&#039;abonen a l&#039;hora de gestionar-les, com una opci\u00f3 per facilitar la devoluci\u00f3. Aquestes extensions se sol\u00b7liciten de manera expressa i s&#039;abonen a l&#039;hora de gestionar-les.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quotes assumibles<\/strong><\/h3>\n\n\n\n<p>\u00c9s fonamental que les quotes dels <strong>pr\u00e9stecs pensionistes<\/strong> siguin assumibles dins dels teus ingressos. Analitza el teu pressupost mensual per assegurar-te que el pagament no compromet despeses b\u00e0siques com l&#039;alimentaci\u00f3, l&#039;habitatge o la salut. Tingues present que un pr\u00e9stec ha d&#039;ajudar-te a resoldre un problema concret, no generar-ne un de nou. A Avafin t&#039;assessorarem sobre la quota adequada segons la teva situaci\u00f3 personal, amb l&#039;objectiu que puguis complir les teves obligacions sense estr\u00e8s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Com sol\u00b7licitar un pr\u00e9stec si ets pensionista?<\/strong><\/h2>\n\n\n\n<p>El proc\u00e9s per demanar <strong>pr\u00e9stecs pensionistes<\/strong> a Avafin \u00e9s senzill i 100 % en l\u00ednia. El nostre objectiu \u00e9s oferir transpar\u00e8ncia i agilitzar la resoluci\u00f3 sense comprometre&#039;n la seguretat. Aquestes s\u00f3n les etapes clau de la sol\u00b7licitud:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Sol\u00b7licitud<\/strong><\/h3>\n\n\n\n<p>Completar la sol\u00b7licitud de <strong>pr\u00e9stecs pensionistes<\/strong> us portar\u00e0 aproximadament quinze minuts. Haur\u00e0s de proporcionar les teves dades personals, informaci\u00f3 sobre la teva pensi\u00f3 i la quantitat que vols sol\u00b7licitar.&nbsp;<\/p>\n\n\n\n<p>Durant aquest pas se t&#039;explicaran les condicions i acceptar\u00e0s els termes i condicions com a part del proc\u00e9s de sol\u00b7licitud. Recordeu que no hi ha necessitat de signar un contracte f\u00edsic; tot es gestiona digitalment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Revisi\u00f3<\/strong><\/h3>\n\n\n\n<p>Un cop rebuda la sol\u00b7licitud, el nostre equip verificar\u00e0 la informaci\u00f3 i far\u00e0 una avaluaci\u00f3 responsable. Revisarem la vostra capacitat de devoluci\u00f3, l&#039;estabilitat dels vostres ingressos i el vostre historial de pagaments. Aquesta an\u00e0lisi \u00e9s fonamental per garantir que els <strong>pr\u00e9stecs pensionistes<\/strong> es concedeixen nom\u00e9s quan s\u00f3n adequats per al sol\u00b7licitant. No prometem una aprovaci\u00f3 immediata, per\u00f2 us informarem amb rapidesa sobre la decisi\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Resposta<\/strong><\/h3>\n\n\n\n<p>Despr\u00e9s de la revisi\u00f3, rebr\u00e0s una resposta per correu electr\u00f2nic o SMS. Si la teva <strong>pr\u00e9stec pensionista<\/strong> \u00e9s aprovat, els fons es transferiran al teu compte bancari.&nbsp;<\/p>\n\n\n\n<p>En molts casos la transfer\u00e8ncia es fa amb rapidesa, encara que en alguns pot trigar fins a 24\u201348 hores en funci\u00f3 del banc. Si no compliu els requisits, us oferirem orientaci\u00f3 sobre altres opcions o us convidarem a revisar l&#039;import o el termini.<\/p>\n\n\n\n<p>Durant el tr\u00e0mit de <strong>pr\u00e9stecs pensionistes<\/strong>, se us demanar\u00e0 verificar la vostra identitat a trav\u00e9s de documents electr\u00f2nics. Aquest proc\u00e9s \u00e9s segur i ens permet protegir les dades. Recorda que els <strong>pr\u00e9stecs pensionistes<\/strong> s&#039;aproven despr\u00e9s d&#039;una an\u00e0lisi rigorosa i que, un cop aprovats, els fons es transfereixen r\u00e0pidament al vostre compte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Coneix com funciona el proc\u00e9s de sol\u00b7licitud a Avafin<\/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>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Alternatives si un pr\u00e9stec no encaixa amb la teva situaci\u00f3<\/strong><\/h2>\n\n\n\n<p>\u00c9s possible que despr\u00e9s de revisar tota la informaci\u00f3 sobre <strong>pr\u00e9stecs pensionistes<\/strong> decideixis que no \u00e9s la millor opci\u00f3 per a tu. En aquest cas, hi ha alternatives que et poden ajudar. Una opci\u00f3 \u00e9s ajustar limport sol\u00b7licitat o el termini de devoluci\u00f3. Demanar menys diners o escur\u00e7ar el per\u00edode pot reduir els interessos i facilitar-ne el pagament. Una altra alternativa \u00e9s explorar altres solucions financeres, com ara rec\u00f3rrer a estalvis, negociar amb prove\u00efdors o buscar ajuda familiar. Finalment, sempre podeu sol\u00b7licitar assessorament financer per valorar quina opci\u00f3 s&#039;adapta millor a les vostres circumst\u00e0ncies. A Avafin creiem en la import\u00e0ncia de l&#039;educaci\u00f3 financera i t&#039;animem a informar-te abans de prendre qualsevol decisi\u00f3.<\/p>\n\n\n\n<p>T&#039;animem a revisar altres alternatives ia consultar experts per prendre la millor decisi\u00f3. Tamb\u00e9 pots revisar la nostra secci\u00f3 de <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/\" target=\"_blank\" rel=\"noreferrer noopener\">alternatives als pr\u00e9stecs r\u00e0pids<\/a> per explorar altres opcions.<\/p>\n\n\n\n<p>Recorda que els <strong>pr\u00e9stecs pensionistes<\/strong> s\u00f3n una eina puntual i que a Avafin t&#039;ajudem a valorar si aquest tipus de pr\u00e9stec \u00e9s adequat per a la teva situaci\u00f3. El nostre comprom\u00eds \u00e9s oferir <strong>pr\u00e9stecs pensionistes<\/strong> de manera transparent, perqu\u00e8 puguis prendre decisions informades i responsables.<\/p>\n\n\n\n<section id=\"faq-block_0da0ecd9993cfa376aa1276e97264ec3\" class=\"faq\">\n            <h3>Preguntes freq\u00fcents sobre pr\u00e9stecs per a pensionistes<\/h3>\n        <span class=\"faq-count\">(3)<\/span>\n    \n    \n    <div class=\"faq-wrap\">\n                    <div class=\"accordion text-center\" aria-expanded=\"false\" role=\"button\" aria-controls=\"block_0da0ecd9993cfa376aa1276e97264ec3-1\" tabindex=\"0\">\n                <h3>\n                    Hi ha un l\u00edmit d&#039;edat per demanar un pr\u00e9stec?                <\/h3>\n                <?xml version=\"1.0\" encoding=\"UTF-8\"?> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\"><path d=\"M1 1L7 7L13 1\" stroke=\"#010440\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>             <\/div>\n            <div class=\"qa\" id=\"block_0da0ecd9993cfa376aa1276e97264ec3-1\"><p><span style=\"font-weight: 400;\">A Avafin no establim un l\u00edmit d&#039;edat estricte per als <\/span><b>pr\u00e9stecs pensionistes<\/b><span style=\"font-weight: 400;\">, per\u00f2 s\u00ed que considerem factors com la durada del pr\u00e9stec i la capacitat de devoluci\u00f3. El nostre objectiu \u00e9s assegurar que el pr\u00e9stec es pugui tornar en el temps acordat sense generar tensi\u00f3 financera.<\/span><\/p>\n<\/div>\n\n                    <div class=\"accordion text-center\" aria-expanded=\"false\" role=\"button\" aria-controls=\"block_0da0ecd9993cfa376aa1276e97264ec3-2\" tabindex=\"0\">\n                <h3>\n                    La pensi\u00f3 compta com a ingr\u00e9s?                <\/h3>\n                <?xml version=\"1.0\" encoding=\"UTF-8\"?> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\"><path d=\"M1 1L7 7L13 1\" stroke=\"#010440\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>             <\/div>\n            <div class=\"qa\" id=\"block_0da0ecd9993cfa376aa1276e97264ec3-2\"><p><span style=\"font-weight: 400;\">S\u00ed, la pensi\u00f3 compta com a ingr\u00e9s a l&#039;hora de sol\u00b7licitar <\/span><b>pr\u00e9stecs pensionistes<\/b><span style=\"font-weight: 400;\">. \u00c9s important que la pensi\u00f3 sigui regular i demostrable mitjan\u00e7ant documentaci\u00f3 oficial. La pensi\u00f3 \u00e9s un indicatiu d&#039;estabilitat que facilita l&#039;avaluaci\u00f3 de la sol\u00b7licitud.<\/span><\/p>\n<\/div>\n\n                    <div class=\"accordion text-center\" aria-expanded=\"false\" role=\"button\" aria-controls=\"block_0da0ecd9993cfa376aa1276e97264ec3-3\" tabindex=\"0\">\n                <h3>\n                    Puc tornar el pr\u00e9stec abans d&#039;hora?                <\/h3>\n                <?xml version=\"1.0\" encoding=\"UTF-8\"?> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\"><path d=\"M1 1L7 7L13 1\" stroke=\"#010440\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>             <\/div>\n            <div class=\"qa\" id=\"block_0da0ecd9993cfa376aa1276e97264ec3-3\"><p><span style=\"font-weight: 400;\">En molts casos pots tornar els <\/span><b>pr\u00e9stecs pensionistes<\/b><span style=\"font-weight: 400;\"> de manera anticipada. Aix\u00f2 et pot ajudar a estalviar en interessos i alliberar el teu pressupost abans del previst. Sempre recomanem revisar les condicions espec\u00edfiques del teu pr\u00e9stec per con\u00e8ixer si hi ha comissions per devoluci\u00f3 anticipada. Si teniu dubtes, el nostre equip d&#039;atenci\u00f3 al client estar\u00e0 encantat d&#039;assessorar-vos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Finalment, tingues en compte que cada resposta a les preguntes freq\u00fcents es basa en la nostra experi\u00e8ncia amb <\/span><b>pr\u00e9stecs pensionistes<\/b><span style=\"font-weight: 400;\"> ia la normativa vigent. Si sorgeix alguna q\u00fcesti\u00f3 addicional relacionada amb els <\/span><b>pr\u00e9stecs pensionistes<\/b><span style=\"font-weight: 400;\">, no dubteu a posar-vos en contacte amb el nostre equip d&#039;atenci\u00f3 al client per obtenir orientaci\u00f3 personalitzada.<\/span><\/p>\n<\/div>\n\n            <\/div>\n    \n<\/section>\n\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Explora alternatives si un pr\u00e9stec no encaixa amb tu<\/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>","protected":false},"excerpt":{"rendered":"<p>Ser pensionista no te impide solicitar un pr\u00e9stamo para cubrir necesidades puntuales. En Avafin entendemos que cada situaci\u00f3n es diferente y que los pr\u00e9stamos pensionistas pueden ser una opci\u00f3n cuando surgen gastos concretos e imprevistos. En esta gu\u00eda te explicamos c\u00f3mo funcionan los pr\u00e9stamos pensionistas, qu\u00e9 aspectos se suelen evaluar y c\u00f3mo se analiza cada [&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-8096","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\u00e9stamos para pensionistas: qu\u00e9 debes saber antes de solicitarlos | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"\u00bfEres pensionista y necesitas financiaci\u00f3n? 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