{"id":8358,"date":"2026-02-16T13:48:47","date_gmt":"2026-02-16T11:48:47","guid":{"rendered":"https:\/\/www.avafin.es\/?page_id=8358"},"modified":"2026-06-17T15:44:35","modified_gmt":"2026-06-17T13:44:35","slug":"prestem-per-a-persones-amb-discapacitat","status":"publish","type":"page","link":"https:\/\/www.avafin.es\/ca\/prestamos\/para-discapacitados","title":{"rendered":"Pr\u00e9stecs per a discapacitats: finan\u00e7ament online adaptat als teus ingressos"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Es pot demanar un pr\u00e9stec amb discapacitat? S\u00ed. Els qui busquen <strong>pr\u00e9stecs discapacitats<\/strong> a internet volen saber, sobretot, si una pensi\u00f3 o una prestaci\u00f3 compta com a ingr\u00e9s v\u00e0lid per accedir a finan\u00e7ament. A AvaFin la resposta \u00e9s clara: oferim un \u00fanic pr\u00e9stec personal de curta durada, <strong>100 % online<\/strong>, al que pots accedir si tens <strong>ingressos regulars demostrables<\/strong>, com una pensi\u00f3 per incapacitat permanent, una prestaci\u00f3 contributiva o no contributiva o altres ingressos recurrents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Com a nou client pots sol\u00b7licitar entre <strong>50 \u20ac i 300 \u20ac<\/strong>, i amb un bon historial de pagaments l&#039;import disponible creix de forma progressiva fins <strong>2.000 \u20ac<\/strong>, amb terminis de devoluci\u00f3 de <strong>7 a 30 dies<\/strong> i el <strong>cost total visible abans d&#039;acceptar<\/strong>. En aquesta p\u00e0gina t&#039;expliquem com funciona la <strong>Finan\u00e7ament per a persones amb discapacitat<\/strong> a AvaFin, quins requisits es demanen i quines alternatives conv\u00e9 valorar abans de prendre una decisi\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">AvaFin <a href=\"https:\/\/www.avafin.es\/ca\/som-part-de-capitec-bank\/\" target=\"_blank\" rel=\"noreferrer noopener\">forma part del grup Capitec Bank<\/a>, un suport bancari internacional present en cinc pa\u00efsos. M\u00e9s de <strong>69.000 persones<\/strong> es van convertir en clients nous durant 2025 i m\u00e9s de <strong>99.000 clients<\/strong> van renovar un o m\u00e9s pr\u00e9stecs. A m\u00e9s, pertanyem a AEMIP i ens adherim al vostre Codi de Bones Pr\u00e0ctiques.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"Calcula_tu_prestamo_comprueba_importe_plazo_y_coste_total_sin_compromiso\"><\/span><strong><strong>Calcula el teu pr\u00e9stec: comprova import, termini i cost total sense comprom\u00eds<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/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_dc3ddf35f74407ee924ef12990794880\" class=\"av-slider av-slider-type-type_seo\">\n                <div class='av-slider-inner' data-slide-product-type='1' data-is-delayed='false' >\n                                        <div class=\"av-main av-last-box-not-empty\">\n                                                <!-- SCROLLER AMOUNT -->\n                                <div class=\"av-box av-first-box amount-slider\">\n            <div class=\"av-box-info\">\n                <p>Quant necessites?<\/p>\n                <div class=\"av-slider-quantity-container\">\n                                                    <span class=\"rangeslider-decrease\">\n                                <svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"dash-lg\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M2 8C2 7.72386 2.22386 7.5 2.5 7.5H13.5C13.7761 7.5 14 7.72386 14 8C14 8.27614 13.7761 8.5 13.5 8.5H2.5C2.22386 8.5 2 8.27614 2 8Z\" fill=\"#010440\"\/>\n<\/g>\n<\/svg>\n                            <\/span><!-- span.rangeslider-decrease -->\n                         <!-- filter.av_scroller_disable -->\n\n                        <div class=\"av-scroller-number-content\" style=\"display: flex;\">\n                            <span class=\"amount-display\"><\/span>&nbsp;<span>\u20ac<\/span>                        <\/div>\n                                                    <span class=\"rangeslider-increase\">\n                                <svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"plus-lg\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8 2C8.27614 2 8.5 2.22386 8.5 2.5V7.5H13.5C13.7761 7.5 14 7.72386 14 8C14 8.27614 13.7761 8.5 13.5 8.5H8.5V13.5C8.5 13.7761 8.27614 14 8 14C7.72386 14 7.5 13.7761 7.5 13.5V8.5H2.5C2.22386 8.5 2 8.27614 2 8C2 7.72386 2.22386 7.5 2.5 7.5H7.5V2.5C7.5 2.22386 7.72386 2 8 2Z\" fill=\"#010440\"\/>\n<\/g>\n<\/svg>\n                            <\/span>\n                         <!-- filter.av_scroller_disable -->\n                    <\/div><!-- div.av-slider-quantity-container -->\n            <\/div><!-- div.av-box-info -->\n            \n                <div class=\"rangeslider\">\n                    <div class=\"rangeslider-fill\" style=\"width: 0%;\"><\/div>\n                    <div class=\"rangeslider-handle\" style=\"left: 0%;\"><\/div>\n                <\/div><!-- .rangeslider -->\n             <!-- filter.av_scroller_disable -->\n\n            <div class=\"range-info\">\n                <span>\n                                        <span class=\"min-amount\"><\/span>\n                    &nbsp;\u20ac                <\/span>\n                <span>\n                                        <span class=\"max-amount\"><\/span>\n                    &nbsp;\u20ac                <\/span>\n            <\/div><!-- div.range-info -->\n        <\/div><!-- div.av-box -->\n                                <!-- SCROLLER TERM -->\n                                <div class=\"av-box term-slider\">\n            <div class=\"av-box-info\">\n                <p>Quants dies vols tornar-ho?<\/p>\n                <div class=\"av-slider-quantity-container\">\n                                                    <span class=\"rangeslider-decrease\">\n                                <svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"dash-lg\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M2 8C2 7.72386 2.22386 7.5 2.5 7.5H13.5C13.7761 7.5 14 7.72386 14 8C14 8.27614 13.7761 8.5 13.5 8.5H2.5C2.22386 8.5 2 8.27614 2 8Z\" fill=\"#010440\"\/>\n<\/g>\n<\/svg>\n                            <\/span><!-- span.rangeslider-decrease -->\n                         <!-- filter.av_scroller_disable -->\n\n                        <div class=\"av-scroller-number-content\" style=\"display: flex;\">\n                            <span class=\"term-display\"><\/span>&nbsp;<span>&nbsp;dies<\/span>                        <\/div>\n                                                    <span class=\"rangeslider-increase\">\n                                <svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"plus-lg\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8 2C8.27614 2 8.5 2.22386 8.5 2.5V7.5H13.5C13.7761 7.5 14 7.72386 14 8C14 8.27614 13.7761 8.5 13.5 8.5H8.5V13.5C8.5 13.7761 8.27614 14 8 14C7.72386 14 7.5 13.7761 7.5 13.5V8.5H2.5C2.22386 8.5 2 8.27614 2 8C2 7.72386 2.22386 7.5 2.5 7.5H7.5V2.5C7.5 2.22386 7.72386 2 8 2Z\" fill=\"#010440\"\/>\n<\/g>\n<\/svg>\n                            <\/span>\n                         <!-- filter.av_scroller_disable -->\n                    <\/div><!-- div.av-slider-quantity-container -->\n            <\/div><!-- div.av-box-info -->\n            \n                <div class=\"rangeslider\">\n                    <div class=\"rangeslider-fill\" style=\"width: 0%;\"><\/div>\n                    <div class=\"rangeslider-handle\" style=\"left: 0%;\"><\/div>\n                <\/div><!-- .rangeslider -->\n             <!-- filter.av_scroller_disable -->\n\n            <div class=\"range-info\">\n                <span>\n                                        <span class=\"min-term\"><\/span>\n                    &nbsp;dies                <\/span>\n                <span>\n                                        <span class=\"max-term\"><\/span>\n                    &nbsp;dies                <\/span>\n            <\/div><!-- div.range-info -->\n        <\/div><!-- div.av-box -->\n        \n                        <!-- LAST BOX CTA -->\n                                <div class=\"av-box av-last-box\">\n                                    <div class=\"av-cta-container-outer\">\n                                                <div class=\"av-cta-container\">\n                                                                                <a href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" \n                        data-base-url=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\"    \n                        class=\"av-loan-cta\">\n                        Sol\u00b7licitar pr\u00e9stec.                    <\/a><!-- a.av-loan-cta -->\n\n                                                                <a href=\"https:\/\/portal.avafin.es\/wp-login\" \n                            data-base-url=\"https:\/\/portal.avafin.es\/wp-login\" class=\"av-loan-login-cta\">\n                            \u00c0rea de Clients                        <\/a><!-- a.av-loan-login-cta -->\n                                    <\/div><!-- div.av-cta-container -->\n            <\/div><!-- div.av-cta-container-outer -->\n        <\/div>\n\n                                                        \n                    <\/div><!-- div.av-main  -->\n\n                                    <div class=\"av-term-container\">\n                    <div class=\"slider-terms\">\n            <ul>\n                                    <li class=\"total-row av-sum-prio-m-1\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Total a pagar<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-total\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"total\" ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"amount-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Import<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-amount\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"amount\" ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"duedate-row av-sum-prio-m-1\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Data de venciment<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-duedate\"><\/span>\n\n                                                                        \n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"duedate\" ><\/span>\n                                                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"loan-fee-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Inter\u00e8s<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-loan-fee\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"loan-fee\" data-prices-id='loan-fees' data-prices-original-id='loan-original-fees' ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"no-display-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\"><\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-no-display\"><\/span>\n\n                                                                        \n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"no-display\" ><\/span>\n                                                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"preparation-fee-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Comissi\u00f3 d&#039;obertura<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-preparation-fee\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"preparation-fee\" data-prices-id='loan-preparation-fees' data-prices-original-id='loan-original-preparation-fees' ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                            <\/ul>\n        <\/div><!-- div.slider-terms -->\n                            <div class=\"av-disclaimer\">\n                        <form method=\"post\" id=\"promocode-form\" action=\"\">\n                <div class=\"promocode-container\">\n                    <label for=\"promocode\" class=\"promocode-title\">Codi Promocional<\/label>\n                    <div class=\"promocode-wrapper\">\n                        <input type=\"text\" id=\"promocode\" name=\"promocode\" value=\"\" maxlength=\"20\" title=\"Codi Promocional\">\n                        <button type=\"submit\" id=\"apply_promotion\" name=\"apply_promotion\" value=\"apply_promotion\">\n                        Confirma                        <\/button>\n                    <\/div>\n                <\/div>\n            <input type=\"hidden\" name=\"trp-form-language\" value=\"ca\"\/><\/form>\n                                    <div class=\"av-disclaimer-content\">\n                                    <\/div>\n                        <div class=\"av-modal-container\">\n                                            <button type=\"button\" class='av-modal-links have-dynamic-template' data-template-url='https:\/\/portal.avafin.es\/cf-document\/content?documentType=backend_template&#038;id=eu-form&#038;format=js' data-is-contract='1' data-modal-id='eu-info' >\n                                                                <span>Informaci\u00f3 sobre el pr\u00e9stec<\/span>\n                            <\/button>\n                                        <\/div><!-- div.av-modal-container -->\n                    <\/div><!-- div.av-disclaimer -->\n\n                <\/div><!-- div.av-term-container -->\n        \n                                                <div class=\"slider-modal-wrap eu-info_wrap\"  data-modal-id=\"eu-info\">\n                        <div class=\"slider-modal modal-content eu-info\">\n                            <div class=\"slider-modal-header-container\">\n                                <span class=\"slider-modal-title\">Informaci\u00f3 sobre el pr\u00e9stec<\/span>\n                                <span class=\"slider-modal-close\">\u00d7<\/span>\n                            <\/div><!-- .slider-modal-header-container -->\n                            <div class=\"slider-modal-content\">\n                                                            <\/div><!-- .slider-modal-content -->\n                                                            <div class=\"av-modal-download-container\">\n                                    <a href=\"https:\/\/portal.avafin.es\/api\/template\/dynamicPdf?id=39754&#038;templateVariables=x \" class='btn btn-basic btn-md' download=\"\">Descarregar<\/a>\n                                <\/div>\n                                                    <\/div><!-- .slider-modal -->\n                    <\/div><!-- .slider-modal-wrap -->\n\n                                <div class=\"slider-modal-wrap login-reminder_wrap\"  data-modal-id=\"login-reminder\">\n                        <div class=\"slider-modal modal-content login-reminder\">\n                            <div class=\"slider-modal-header-container\">\n                                <span class=\"slider-modal-title\">\u00c9s el nostre client?<\/span>\n                                <span class=\"slider-modal-close\">\u00d7<\/span>\n                            <\/div><!-- .slider-modal-header-container -->\n                            <div class=\"slider-modal-content\">\n                                <p style=\"font-size: 16px;\"> Si ja ets client, inicia sessi\u00f3 amb el teu usuari i contrasenya:<\/p><div class=\"text-center av-modal-btn-container btn-container\">\n                <a class=\"btn btn-cta btn-md\" data-base-url=\"https:\/\/portal.avafin.es\/wp-login\" href=\"https:\/\/portal.avafin.es\/wp-login\">Inicia Sessi\u00f3<\/a><a class=\"btn btn-basic btn-md\" data-base-url=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\">Registra&#039;t<\/a><\/div><!-- .av-modal-btn-container.btn-container -->                            <\/div><!-- .slider-modal-content -->\n                                                    <\/div><!-- .slider-modal -->\n                    <\/div><!-- .slider-modal-wrap -->\n\n                                \n\n\n                <\/div><!-- div.loan-slider -->\n            <\/section> <!-- section.av-slider -->\n\n        <\/div><!-- .av-slider-container -->\n        \n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_funciona_un_prestamo_para_personas_con_discapacidad\"><\/span><strong><strong>Com funciona un pr\u00e9stec per a persones amb discapacitat<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A AvaFin no existeix un producte diferent per col\u00b7lectiu: expressions com <strong>cr\u00e8dits per a discapacitats<\/strong> descriuen una forma habitual de cerca, no una l\u00ednia de finan\u00e7ament separada. El que oferim \u00e9s un pr\u00e9stec personal de curta durada l&#039;aprovaci\u00f3 del qual dep\u00e8n dels teus ingressos i del teu <strong>capacitat real de devoluci\u00f3<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evaluacion_individual_de_cada_solicitud\"><\/span>Avaluaci\u00f3 individual de cada sol\u00b7licitud<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cada sol\u00b7licitud es revisa <strong>de manera individual, sense automatismes<\/strong>. Analitzem els teus ingressos, moviments bancaris i situaci\u00f3 financera global per confirmar que la devoluci\u00f3 encaixa en el teu pressupost. <strong>Estudiem cada cas individualment<\/strong> i per aix\u00f2 no parlem mai d&#039;aprovacions assegurades.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_ingresos_se_tienen_en_cuenta_ademas_de_una_nomina\"><\/span>Quins ingressos es tenen en compte a m\u00e9s a m\u00e9s d&#039;una n\u00f2mina<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No necessites una n\u00f2mina tradicional. Abans de <strong>sol\u00b7licitar pr\u00e9stec per a persones amb discapacitat<\/strong>, comprova que els teus ingressos estables apareixen reflectits al teu compte: pensions, prestacions, rendiments o altres ingressos recurrents demostrables compten a l&#039;avaluaci\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cuando_puede_aprobarse_una_solicitud\"><\/span>Quan es pot aprovar una sol\u00b7licitud<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una sol\u00b7licitud es pot aprovar quan els ingressos s\u00f3n regulars, el compte bancari est\u00e0 al vostre nom i l&#039;avaluaci\u00f3 indica que podeu tornar l&#039;import en el termini escollit sense desequilibrar la vostra economia. Si l&#039;operaci\u00f3 no \u00e9s adequada per a la vostra situaci\u00f3, us ho direm amb la mateixa claredat.<\/p>\n\n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container av-image-left\"><div class=\"av-itd-content-column\"><h2><span class=\"ez-toc-section\" id=\"Que_ingresos_permiten_solicitar_prestamos_para_discapacitados\"><\/span><strong><strong><strong>Quins ingressos permeten sol\u00b7licitar pr\u00e9stecs per a discapacitats<\/strong><\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p class=\"wp-block-paragraph\">Aquestes s\u00f3n les fonts dingressos m\u00e9s habituals entre els qui sol\u00b7liciten finan\u00e7ament tenint una pensi\u00f3 o una prestaci\u00f3. Totes es valoren sempre que siguin constants i quedin reflectides als teus moviments bancaris.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/prestamos-para-discapacitados.jpg\" alt=\"Pr\u00e9stecs per a discapacitats\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pensiones_por_incapacidad_permanente\"><\/span>Pensions per incapacitat permanent<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La pensi\u00f3 per incapacitat permanent que abona la <a href=\"https:\/\/www.seg-social.es\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Seguretat Social<\/a> \u00e9s un ingr\u00e9s estable i recurrent, i per aix\u00f2 un dels m\u00e9s s\u00f2lids a l&#039;avaluaci\u00f3. El grau reconegut no \u00e9s el que \u00e9s determinant: l&#039;important \u00e9s la regularitat de l&#039;ingr\u00e9s, no el percentatge de discapacitat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prestaciones_contributivas_y_no_contributivas\"><\/span>Beneficis contributius i no contributius<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tant la prestaci\u00f3 contributiva com la prestaci\u00f3 no contributiva es tenen en compte. Si el vostre ingr\u00e9s principal \u00e9s una prestaci\u00f3, recordeu que podeu sumar diverses fonts d&#039;ingressos: el que \u00e9s rellevant \u00e9s el conjunt demostrable, no l&#039;origen concret de cadascuna.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ayudas_periodicas_y_otros_ingresos_compatibles\"><\/span>Ajuts peri\u00f2dics i altres ingressos compatibles<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Els ajuts p\u00fablics peri\u00f2dics, els ingressos d&#039;una activitat laboral parcial o un lloguer tamb\u00e9 sumen. Una persona amb discapacitat que cobra una pensi\u00f3 savalua igual que qualsevol altra sol\u00b7licitud: estabilitat dingressos i <strong>capacitat real de devoluci\u00f3<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prestamos_rapidos_para_discapacitados_online\"><\/span><strong>Pr\u00e9stecs r\u00e0pids per a persones amb discapacitat<\/strong><strong> en l\u00ednia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Termes com ara <strong>Pr\u00e9stecs r\u00e0pids per a persones amb discapacitat<\/strong> o <strong>pr\u00e9stec per a discapacitats online<\/strong> fan refer\u00e8ncia a l&#039;agilitat del proc\u00e9s, no a un producte diferent ni a una aprovaci\u00f3 sense avaluaci\u00f3 pr\u00e8via.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Solicitud_en_pocos_minutos_desde_casa\"><\/span>Sol\u00b7licitud en pocs minuts des de casa<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El formulari es completa en aproximadament 15 minuts des del m\u00f2bil o l&#039;ordinador, <strong>sense despla\u00e7aments ni paperassa f\u00edsica<\/strong>. La verificaci\u00f3 d&#039;identitat i la verificaci\u00f3 banc\u00e0ria es realitzen en l\u00ednia, de manera segura, durant la sol\u00b7licitud mateixa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tiempo_estimado_de_revision_y_transferencia\"><\/span>Temps estimat de revisi\u00f3 i transfer\u00e8ncia<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;aprovaci\u00f3 es resol en aproximadament 15 minuts. Si la sol\u00b7licitud s&#039;aprova, <strong>la transfer\u00e8ncia s&#039;emet immediatament<\/strong> i el temps que triga a reflectir-se dep\u00e8n del teu banc. Qui cerca un <strong>cr\u00e8dit r\u00e0pid per a discapacitats<\/strong> valora aquesta agilitat, encara que lavaluaci\u00f3 responsable es mant\u00e9 sempre.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Informacion_clara_antes_de_confirmar_el_prestamo\"><\/span>Informaci\u00f3 clara abans de confirmar el pr\u00e9stec<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Abans de confirmar <strong>veur\u00e0s l&#039;import, el termini i el total a tornar<\/strong>, sense lletra petita. Si alguna cosa no encaixa amb el que esperaves, pots aturar el proc\u00e9s sense cap cost i sense cap comprom\u00eds.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"630\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/06\/infografia_prestamos_discapacitados.png\" alt=\"Com sol\u00b7licitar el teu pr\u00e9stec\" class=\"wp-image-10973\" srcset=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/06\/infografia_prestamos_discapacitados.png 800w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/06\/infografia_prestamos_discapacitados-300x236.png 300w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/06\/infografia_prestamos_discapacitados-768x605.png 768w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/06\/infografia_prestamos_discapacitados-15x12.png 15w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/06\/infografia_prestamos_discapacitados-381x300.png 381w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"Simular_tu_prestamo\"><\/span><strong>Simular el teu pr\u00e9stec<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Descobreix la rapidesa amb qu\u00e8 pots tenir els diners al teu compte.<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_requisitos_se_piden_para_acceder_a_financiacion\"><\/span><strong>Quins requisits es demanen per accedir a finan\u00e7ament<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Els requisits de les <strong>pr\u00e9stecs per a persones amb discapacitat<\/strong> s\u00f3n els mateixos que per a qualsevol altre sol\u00b7licitant: <strong>demanar pr\u00e9stec amb discapacitat<\/strong> no implica tr\u00e0mits addicionals ni documentaci\u00f3 extra.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documento_de_identidad_en_vigor\"><\/span>Document d'identitat en vigor<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Necessites un <strong>DNI o NIE<\/strong> v\u00e0lid i llegible. S\u00f3n els \u00fanics documents didentitat acceptats en el proc\u00e9s: <strong>el passaport no serveix per tramitar la sol\u00b7licitud<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cuenta_bancaria_activa_en_Espana\"><\/span>Compte bancari actiu a Espanya<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El compte ha de ser espanyol i estar al teu nom. Hi rebr\u00e0s la transfer\u00e8ncia si la teva sol\u00b7licitud s&#039;aprova, i els seus moviments serveixen per acreditar els teus ingressos durant l&#039;avaluaci\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Justificacion_de_ingresos_regulares\"><\/span>Justificaci\u00f3 d&#039;ingressos regulars<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pensi\u00f3, prestacions o qualsevol ingr\u00e9s recurrent demostrable. Si els teus ingressos apareixen amb regularitat en els teus moviments bancaris, ja tens l&#039;essencial per <strong>demanar pr\u00e9stec sent persona amb discapacitat<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container\"><div class=\"av-itd-content-column\"><h2><span class=\"ez-toc-section\" id=\"Cuanto_dinero_se_puede_pedir_y_en_que_plazo_devolverlo\"><\/span><strong><strong><strong>Quants diners es poden demanar i en quin termini tornar-los<\/strong><\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p class=\"wp-block-paragraph\">Aquestes s\u00f3n les condicions reals del pr\u00e9stec personal de AvaFin, id\u00e8ntiques per a tots els sol\u00b7licitants. Te les resumim en una taula perqu\u00e8 les puguis valorar d&#039;una ullada.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/prestamos-para-personas-con-discapacidad.jpg\" alt=\"Pr\u00e9stecs per a discapacitats\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Concepte<\/strong><\/td><td><strong>Condici\u00f3<\/strong><\/td><\/tr><tr><td>Import per a nous clients<\/td><td>De 50\u20ac a 300\u20ac<\/td><\/tr><tr><td>Import per a clients recurrents<\/td><td>Fins a 2.000 \u20ac (augment progressiu subjecte a avaluaci\u00f3)<\/td><\/tr><tr><td>Termini de devoluci\u00f3<\/td><td>De 7 a 30 dies<\/td><\/tr><tr><td>Extensi\u00f3 del termini<\/td><td>10, 15 o 30 dies addicionals (es paga en sol\u00b7licitar-la)<\/td><\/tr><tr><td>Comissi\u00f3 d&#039;obertura<\/td><td>0 \u20ac<\/td><\/tr><tr><td>Sol\u00b7licitud i aprovaci\u00f3<\/td><td>100 % online, aproximadament 15 minuts cadascuna<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Importes_iniciales_disponibles\"><\/span>Imports inicials disponibles<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si \u00e9s la teva primera sol\u00b7licitud, pots demanar entre <strong>50 \u20ac i 300 \u20ac<\/strong>. \u00c9s el rang disponible per a nous clients i ens permet ajustar el finan\u00e7ament al teu <strong>capacitat real de devoluci\u00f3<\/strong> des del primer dia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Incremento_progresivo_en_futuras_solicitudes\"><\/span>Increment progressiu en futures sol\u00b7licituds<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Amb un bon comportament de pagament podr\u00e0s augmentar progressivament la quantitat sol\u00b7licitada en futures sol\u00b7licituds, sempre subjecta a avaluaci\u00f3, fins a un m\u00e0xim de <strong>2.000 \u20ac<\/strong>. L&#039;augment no \u00e9s autom\u00e0tic ni dep\u00e8n nom\u00e9s del temps: dep\u00e8n del teu historial.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Opciones_de_ampliacion_del_plazo\"><\/span><strong>Opcions d&#039;ampliaci\u00f3 <\/strong>del <strong>termini<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si necessites m\u00e9s marge, pots sol\u00b7licitar una extensi\u00f3 de <strong>10, 15 o 30 dies<\/strong> addicionals. <strong>El pagament de l&#039;extensi\u00f3 es fa en el moment de sol\u00b7licitar-la<\/strong> perqu\u00e8 sigui efectiva de manera immediata; sense aquest pagament previ, no s&#039;aplica l&#039;extensi\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Exemple representatiu per a un pr\u00e9stec sol\u00b7licitat a trav\u00e9s de AvaFin.es: 300 euros. Interessos: 57 euros. Comissi\u00f3 dObertura: 0 euros. TAE: 734,97%. Tipus dinter\u00e8s anual: 231,80%. Total per pagar: 357 euros.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"Comprueba_tu_importe_plazo_y_coste_total_en_el_simulador\"><\/span><strong>Comprova el teu import, termini i cost total al simulador<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Demana el teu pr\u00e9stec a AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Situaciones_en_las_que_suele_solicitarse_este_tipo_de_prestamo\"><\/span><strong>Situacions en qu\u00e8 sol sol\u00b7licitar-se aquest tipus de pr\u00e9stec<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El pr\u00e9stec personal de AvaFin <strong>no exigeix justificar el dest\u00ed dels diners<\/strong>. Tot i aix\u00ed, aquestes s\u00f3n les situacions m\u00e9s freq\u00fcents entre els que busquen <strong>cr\u00e8dits per a persones amb discapacitat<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Gastos_medicos_o_tratamientos\"><\/span>Despeses m\u00e8diques o tractaments<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tractaments dentals, ulleres, audi\u00f2fons, fisioter\u00e0pia o productes de suport que la sanitat p\u00fablica no cobreix. Una despesa de salut no sol poder esperar, i un finan\u00e7ament de curta durada ben planificat pot ajudar-te a assumir-lo de manera controlada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reparaciones_en_casa_o_adaptaciones_del_hogar\"><\/span>Reparacions a casa o adaptacions de la llar<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Des d&#039;una avaria a la calefacci\u00f3 fins a petites adaptacions d&#039;accessibilitat a l&#039;habitatge. Abans de demanar finan\u00e7ament, consulteu si la vostra comunitat aut\u00f2noma ofereix subvencions per a persones amb discapacitat destinades a aquestes obres: poden cobrir una part del cost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pagos_urgentes_o_necesidades_familiares\"><\/span>Pagaments urgents o necessitats familiars<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Imprevistos del cotxe, un electrodom\u00e8stic essencial o un suport puntual a un familiar. Si busques un <strong>pr\u00e9stec urgent per a discapacitats<\/strong> o <strong>diners urgents per a persones amb discapacitat<\/strong>, valora primer si la despesa pot esperar o cobrir-se amb estalvi; si no, un import petit i un curt termini s\u00f3n l&#039;opci\u00f3 m\u00e9s prudent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ventajas_de_pedir_un_prestamo_online_si_tienes_una_discapacidad\"><\/span><strong>Avantatges de demanar un pr\u00e9stec online si tens una discapacitat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Els <strong>pr\u00e9stecs online per a persones amb discapacitat<\/strong> eliminen barreres que el canal presencial encara mant\u00e9: despla\u00e7aments, esperes i horaris. Aquests s\u00f3n els tres avantatges que m\u00e9s valoren els nostres clients.<\/p>\n\n\n<section id=\"cards-group-block_13419c4915dab9f775554e68bc0fab25\" class=\"av-cards-group   av-cards-group-3 av-card-group-standard\" >\n            <div id=\"card-0\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/06\/code_red.jpg\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"Rapidesa\"\/>\n                    <\/div>\n                                                <h3><span class=\"ez-toc-section\" id=\"Gestion_sencilla_desde_movil_o_ordenador\"><\/span><p>Gesti\u00f3 senzilla des de m\u00f2bil o ordinador<\/p>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                                                <p><p>Tot el proc\u00e9s, des de la sol\u00b7licitud fins a l&#039;acceptaci\u00f3 del contracte, es fa a dist\u00e0ncia. Sense cues, cites ni oficines: un avantatge real per a qualsevol persona i, en especial, quan la mobilitat \u00e9s un factor que cal tenir en compte.<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-1\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/05\/star_with_check_red-1.jpg\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"Transpar\u00e8ncia\"\/>\n                    <\/div>\n                                                <h3><span class=\"ez-toc-section\" id=\"Proceso_sin_desplazamientos\"><\/span><p>Proc\u00e9s sense despla\u00e7aments<\/p>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                                                <p><p>Tot el proc\u00e9s, des de la sol\u00b7licitud fins a l&#039;acceptaci\u00f3 del contracte, es fa a dist\u00e0ncia. Sense cues, cites ni oficines: un avantatge real per a qualsevol persona i, en especial, quan la mobilitat \u00e9s un factor que cal tenir en compte.<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-2\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/07\/verification_red.png\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"Seguretat\"\/>\n                    <\/div>\n                                                <h3><span class=\"ez-toc-section\" id=\"Transparencia_en_costes_y_condiciones\"><\/span><p>Transpar\u00e8ncia en costos i condicions<\/p>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                                                <p><p>Veur\u00e0s <strong>el cost total abans d&#039;acceptar<\/strong>, sense sorpreses posteriors. Pots llegir com apliquem la <a href=\"https:\/\/www.avafin.es\/ca\/transparencia-prestem-responsables\/\" target=\"_blank\" rel=\"noreferrer noopener\">transpar\u00e8ncia i els pr\u00e9stecs responsables<\/a> i consultar les <a href=\"https:\/\/www.avafin.es\/ca\/opinions\/\" target=\"_blank\" rel=\"noreferrer noopener\">opinions dels nostres clients<\/a> abans de decidir.<\/p>\n<\/p>\n                                    <\/div>\n    <\/section>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_se_revisa_antes_de_aprobar_un_prestamo\"><\/span><strong>Qu\u00e8 es revisa abans d&#039;aprovar un pr\u00e9stec<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;expressi\u00f3 <strong>pr\u00e9stecs discapacitats<\/strong> que veus als cercadors no canvia el proc\u00e9s: l&#039;avaluaci\u00f3 \u00e9s la mateixa per a qualsevol sol\u00b7licitant i busca confirmar que el pr\u00e9stec \u00e9s adequat per a la teva situaci\u00f3. Aquesta taula resumeix els criteris.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>S\u00ed que valorem<\/strong><\/td><td><strong>No podem aprovar<\/strong><\/td><\/tr><tr><td>Ingressos regulars demostrables: pensi\u00f3, prestaci\u00f3, n\u00f2mina o activitat<\/td><td>Sol\u00b7licituds sense ingressos demostrables<\/td><\/tr><tr><td>Compte bancari espanyol al teu nom, amb moviments<\/td><td>Comptes de tercers o sense activitat<\/td><\/tr><tr><td>Capacitat de devoluci\u00f3 d&#039;acord amb l&#039;import i el termini<\/td><td>Imports que comprometin el teu pressupost<\/td><\/tr><tr><td>Historial de pagaments i situaci\u00f3 financera global<\/td><td>Identitat sense verificar o document caducat<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Capacidad_real_de_devolucion\"><\/span>Capacitat real de devoluci\u00f3<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Comparem l&#039;import i el termini escollits amb els ingressos i les despeses habituals. Si la devoluci\u00f3 no encaixa amb una folgan\u00e7a raonable al teu pressupost, el responsable \u00e9s ajustar la quantitat o no seguir endavant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Situacion_financiera_global\"><\/span>Situaci\u00f3 financera general<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Revisem el conjunt: altres compromisos de pagament, despeses recurrents i estabilitat dels ingressos. Un deute nou nom\u00e9s t\u00e9 sentit si no agreuja la teva situaci\u00f3; si ja n&#039;acumules diverses, reduir-les primer ampliar\u00e0 les teves opcions de finan\u00e7ament en el futur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Historial_de_pagos_previo\"><\/span>Historial de pagaments previ<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un historial positiu refor\u00e7a el teu perfil i afavoreix l&#039;acc\u00e9s a imports m\u00e9s grans amb el temps. Figurar en un fitxer de morositat <strong>no implica una exclusi\u00f3 autom\u00e0tica<\/strong>: cada cas s&#039;analitza de manera individual.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prestamos_para_discapacitados_sin_aval_que_debes_saber\"><\/span><strong>Pr\u00e9stecs per a discapacitats<\/strong><strong> sense aval: qu\u00e8 has de saber<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Una altra cerca freq\u00fcent combina els <strong>pr\u00e9stecs personals per a discapacitats<\/strong> amb la paraula aval. A AvaFin <strong>no demanem avalador en cap cas<\/strong>, perqu\u00e8 l&#039;avaluaci\u00f3 es basa en els teus propis ingressos.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cuando_no_se_exige_avalista\"><\/span>Quan no s&#039;exigeix avalista<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mai no ho exigim. El pr\u00e9stec personal de AvaFin s&#039;aprova o no en funci\u00f3 de la teva capacitat de devoluci\u00f3; no necessites que un familiar signi amb tu ni que un tercer aporti garanties addicionals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_sustituye_al_aval_en_la_evaluacion_financiera\"><\/span>Qu\u00e8 substitueix l&#039;aval a l&#039;avaluaci\u00f3 financera<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El substitueixen les dades reals: ingressos regulars, moviments bancaris i comportament de pagament. \u00c9s un sistema m\u00e9s transparent per a tu, dins del marc de la <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2011-10970\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Llei 16\/2011 de contractes de cr\u00e8dit al consum<\/a> que regula aquest finan\u00e7ament.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes_sobre_prestamos_para_discapacitados\"><\/span><strong>Preguntes freq\u00fcents sobre <\/strong><strong>Pr\u00e9stecs per a persones amb discapacitat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Resolem els dubtes m\u00e9s repetits dels que comparen <strong>Finan\u00e7ament per a persones amb discapacitat<\/strong> abans de decidir.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1781690997585\"><strong class=\"schema-faq-question\"><strong>Es pot demanar amb pensi\u00f3?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed. La pensi\u00f3 per discapacitat i la pensi\u00f3 per incapacitat permanent compten com a ingr\u00e9s regular. No necessites n\u00f2mina: nom\u00e9s cal que l&#039;ingr\u00e9s sigui constant i aparegui en els moviments del teu compte bancari.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1781691108005\"><strong class=\"schema-faq-question\"><strong>Estar a l'ASNEF t\u00e9 alguna influ\u00e8ncia?<\/strong><\/strong> <p class=\"schema-faq-answer\">Figurar en un registre de morositat no suposa una denegaci\u00f3 autom\u00e0tica. Avaluem el conjunt de la teva situaci\u00f3 financera de manera individual, encara que \u00e9s un factor que es valora juntament amb els teus ingressos i el teu historial de pagaments.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1781691116678\"><strong class=\"schema-faq-question\"><strong>\u00c9s compatible amb altres ajuts?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed. Rebre ajuts p\u00fablics o subvencions no t&#039;impedeix sol\u00b7licitar finan\u00e7ament. De fet, et recomanem esgotar primer els ajuts disponibles: si cobreixen la despesa, potser no necessitis el pr\u00e9stec.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1781691126003\"><strong class=\"schema-faq-question\"><strong>Quan triga l&#039;ingr\u00e9s?<\/strong><\/strong> <p class=\"schema-faq-answer\">L&#039;aprovaci\u00f3 es resol en aproximadament 15 minuts i, si \u00e9s favorable, <strong>la transfer\u00e8ncia s&#039;emet immediatament<\/strong>. Que els diners es reflecteixin al teu compte depenen del teu banc; en la majoria dels casos passa el mateix dia.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1781691138679\"><strong class=\"schema-faq-question\"><strong>Quant puc demanar a la meva primera sol\u00b7licitud?<\/strong><\/strong> <p class=\"schema-faq-answer\">Com a nou client pots sol\u00b7licitar entre <strong>50 \u20ac i 300 \u20ac<\/strong>. Amb un bon historial de pagaments, l&#039;import disponible pot cr\u00e9ixer progressivament en sol\u00b7licituds posteriors, fins a 2.000 \u20ac, sempre subjecte a avaluaci\u00f3.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1781691150275\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 passa si no ho puc tornar a temps?<\/strong><\/strong> <p class=\"schema-faq-answer\">Contacta amb nosaltres com m\u00e9s aviat millor al <strong>900 533 817<\/strong>, el tel\u00e8fon espec\u00edfic per gestionar dificultats de pagament. Podeu sol\u00b7licitar una extensi\u00f3 de 10, 15 o 30 dies, que s&#039;abona en el moment de demanar-la, i el nostre equip us acompanyar\u00e0 per trobar la millor soluci\u00f3.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Otros_prestamos_relacionados\"><\/span><strong>Altres pr\u00e9stecs relacionats<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si la teva situaci\u00f3 encaixa millor amb una altra cerca, aquestes p\u00e0gines amplien la informaci\u00f3 sobre el mateix pr\u00e9stec personal de AvaFin:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/pensionistes\/\" target=\"_blank\" rel=\"noreferrer noopener\">Pr\u00e9stecs per a pensionistes<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/rapids\/\" target=\"_blank\" rel=\"noreferrer noopener\">Pr\u00e9stecs r\u00e0pids en l\u00ednia<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.avafin.es\/ca\/credits\/sense-nomina\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cr\u00e8dits sense n\u00f2mina<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"Empieza_tu_solicitud_en_minutos\"><\/span><strong><strong>Comen\u00e7a la teva sol\u00b7licitud en minuts<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Comprova que senzill \u00e9s tenir un pr\u00e9stec<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>\u00bfSe puede pedir un pr\u00e9stamo teniendo una discapacidad? S\u00ed. Quienes buscan pr\u00e9stamos discapacitados en internet quieren saber, sobre todo, si una pensi\u00f3n o una prestaci\u00f3n cuenta como ingreso v\u00e1lido para acceder a financiaci\u00f3n. En AvaFin la respuesta es clara: ofrecemos un \u00fanico pr\u00e9stamo personal de corta duraci\u00f3n, 100 % online, al que puedes acceder si [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":0,"parent":3527,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-8358","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pr\u00e9stamos para personas con discapacidad | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Pr\u00e9stamos para discapacitados con evaluaci\u00f3n personalizada. Conoce opciones de financiaci\u00f3n claras y responsables seg\u00fan tu situaci\u00f3n en Avafin.\" \/>\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\/per-a-persones-amb-discapacitat\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00e9stamos para personas con discapacidad | AvaFin Espa\u00f1a\" \/>\n<meta property=\"og:description\" content=\"Pr\u00e9stamos para discapacitados con evaluaci\u00f3n personalizada. Conoce opciones de financiaci\u00f3n claras y responsables seg\u00fan tu situaci\u00f3n en Avafin.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.avafin.es\/ca\/prestem\/per-a-persones-amb-discapacitat\" \/>\n<meta property=\"og:site_name\" content=\"AvaFin Espa\u00f1a\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-17T13:44:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/prestamos-para-discapacitados.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"11 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/para-discapacitados#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/para-discapacitados\"},\"author\":{\"name\":\"Alejandra Rangel\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#\\\/schema\\\/person\\\/2955e74f3626e82f06ef36d98ecdc878\"},\"headline\":\"Pr\u00e9stamos para discapacitados: financiaci\u00f3n online adaptada a tus ingresos\",\"datePublished\":\"2026-02-16T11:48:47+00:00\",\"dateModified\":\"2026-06-17T13:44:35+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/para-discapacitados\"},\"wordCount\":2227,\"image\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/para-discapacitados#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/prestamos-para-discapacitados.jpg\",\"inLanguage\":\"ca\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/para-discapacitados\",\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/para-discapacitados\",\"name\":\"Pr\u00e9stamos para personas con discapacidad | AvaFin Espa\u00f1a\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/para-discapacitados#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/para-discapacitados#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/prestamos-para-discapacitados.jpg\",\"datePublished\":\"2026-02-16T11:48:47+00:00\",\"dateModified\":\"2026-06-17T13:44:35+00:00\",\"description\":\"Pr\u00e9stamos para discapacitados con evaluaci\u00f3n personalizada. 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Su experiencia en investigaci\u00f3n de mercados en AvaFin, brinda gran valor al momento de generar informaci\u00f3n \u00fatil sobre aquellas personas que buscan tomar decisiones financieras adecuadas a su situaci\u00f3n.\",\"sameAs\":[\"http:\\\/\\\/www.avafin.es\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/alejandra-rangel-bethencourt-29633a167\\\/\"],\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/author\\\/alejandra\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/para-discapacitados#faq-question-1781690997585\",\"position\":1,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/para-discapacitados#faq-question-1781690997585\",\"name\":\"\u00bfSe puede pedir con pensi\u00f3n?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\u00ed. La pensi\u00f3n por discapacidad y la pensi\u00f3n por incapacidad permanente cuentan como ingreso regular. No necesitas n\u00f3mina: basta con que el ingreso sea constante y aparezca en los movimientos de tu cuenta bancaria.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/para-discapacitados#faq-question-1781691108005\",\"position\":2,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/para-discapacitados#faq-question-1781691108005\",\"name\":\"\u00bfInfluye estar en ASNEF?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Figurar en un registro de morosidad no supone una denegaci\u00f3n autom\u00e1tica. Evaluamos el conjunto de tu situaci\u00f3n financiera de forma individual, aunque es un factor que se valora junto a tus ingresos y tu historial de pagos.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/para-discapacitados#faq-question-1781691116678\",\"position\":3,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/prestamos\\\/para-discapacitados#faq-question-1781691116678\",\"name\":\"\u00bfEs compatible con otras ayudas?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\u00ed. Recibir ayudas p\u00fablicas o subvenciones no te impide solicitar financiaci\u00f3n. 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