{"id":11850,"date":"2026-08-19T15:56:54","date_gmt":"2026-08-19T13:56:54","guid":{"rendered":"https:\/\/www.avafin.es\/?p=11850"},"modified":"2026-08-19T16:00:11","modified_gmt":"2026-08-19T14:00:11","slug":"contracte-de-prestec","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo","title":{"rendered":"Contracte de pr\u00e9stec: cl\u00e0usules que heu de revisar abans de signar"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Un <strong>contracte de pr\u00e9stec<\/strong> estableix quants diners reps, quant haur\u00e0s de tornar, quan haur\u00e0s de fer-ho i qu\u00e8 passa si modifiques, cancel\u00b7les o incompleixes les condicions acordades. \u00c9s el document que d\u00f3na forma legal a l&#039;operaci\u00f3, i el contingut ha de coincidir amb all\u00f2 que l&#039;entitat t&#039;ha ofert abans de sol\u00b7licitar el finan\u00e7ament. Abans de signar-ho, cal comprovar especialment el cost total, la TAE i el tipus d&#039;inter\u00e8s, el calendari de pagaments, les comissions, les conseq\u00fc\u00e8ncies dels retards i els drets de cancel\u00b7laci\u00f3 i desistiment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si el que vols \u00e9s comprovar pr\u00e8viament si l&#039;entitat que ofereix el finan\u00e7ament \u00e9s fiable, consulta la nostra guia sobre <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/prestec-en-linia-segur\/\">Com saber si un pr\u00e9stec online \u00e9s segur<\/a>.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndex<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #6a737c;color:#6a737c\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #6a737c;color:#6a737c\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#%C2%BFQue_es_un_contrato_de_prestamo_y_que_informacion_debe_contener\" >Qu\u00e8 \u00e9s un contracte de pr\u00e9stec i quina informaci\u00f3 ha de contenir?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Que_obligaciones_asumen_prestamista_y_prestatario\" >Quines obligacions assumeixen prestador i prestatari<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Contrato_e_informacion_precontractual_no_son_lo_mismo\" >Contracte i informaci\u00f3 precontractual: no s\u00f3n el mateix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Por_que_debes_comprobar_que_ambos_documentos_coinciden\" >Per qu\u00e8 has de comprovar que tots dos documents coincideixen<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Las_8_clausulas_de_un_contrato_de_prestamo_que_debes_revisar\" >Les 8 cl\u00e0usules d&#039;un contracte de pr\u00e9stec que heu de revisar<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#1_Importe_del_prestamo_y_cantidad_que_recibiras\" >1. Import del pr\u00e9stec i quantitat que rebr\u00e0s<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#2_TIN_TAE_y_coste_total_del_prestamo\" >2. TIN, TAE i cost total del pr\u00e9stec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#3_Numero_importe_y_fecha_de_las_cuotas\" >3. N\u00famero, import i data de les quotes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#4_Comisiones_gastos_y_productos_vinculados\" >4. Comissions, despeses i productes vinculats<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#5_Intereses_de_demora_y_gastos_por_impago\" >5. Interessos de demora i despeses per impagament<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#6_Amortizacion_o_cancelacion_anticipada\" >6. Amortitzaci\u00f3 o cancel\u00b7laci\u00f3 anticipada<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#7_Derecho_de_desistimiento\" >7. Dret de desistiment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#8_Consecuencias_del_impago_y_vencimiento_anticipado\" >8. Conseq\u00fc\u00e8ncies de l&#039;impagament i venciment anticipat<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Como_comprobar_el_coste_real_antes_de_firmar\" >Com comprovar el cost real abans de signar<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Compara_el_capital_recibido_con_el_total_a_devolver\" >Compara el capital rebut amb el total a tornar<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Revisa_la_TAE_no_solo_el_interes\" >Revisa la TAE, no nom\u00e9s l&#039;inter\u00e8s<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Suma_los_costes_vinculados\" >Suma els costos vinculats<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Comprueba_cuanto_pagarias_si_mantienes_el_prestamo_hasta_el_final\" >Comprova quant pagaries si mantens el pr\u00e9stec fins al final<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Que_documentos_debes_comparar_antes_de_aceptar_el_prestamo\" >Quins documents heu de comparar abans d&#039;acceptar el pr\u00e9stec<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Informacion_precontractual\" >Informaci\u00f3 precontractual<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Oferta_o_condiciones_facilitadas_por_la_entidad\" >Oferta o condicions facilitades per l&#039;entitat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Contrato_definitivo\" >Contracte definitiu<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Cuadro_o_calendario_de_pagos\" >Quadre o calendari de pagaments<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Que_hacer_si_una_condicion_del_contrato_no_coincide_con_la_oferta\" >Qu\u00e8 cal fer si una condici\u00f3 del contracte no coincideix amb l&#039;oferta<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#No_aceptes_hasta_aclarar_la_diferencia\" >No acceptis fins a aclarir la difer\u00e8ncia<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Solicita_una_explicacion_por_escrito\" >Demana una explicaci\u00f3 per escrit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Pide_una_copia_actualizada_del_contrato\" >Demana una c\u00f2pia actualitzada del contracte<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Vuelve_a_comprobar_TAE_cuotas_y_coste_total\" >Torna a comprovar TAE, quotes i cost total<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Conserva_la_documentacion_precontractual\" >Conserva la documentaci\u00f3 precontractual<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Revisa_el_checklist_luego_decide\" >Revisa el checklist, despr\u00e9s decideix<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Checklist_antes_de_firmar_un_contrato_de_prestamo\" >Checklist abans de signar un contracte de pr\u00e9stec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.avafin.es\/ca\/blog\/contrato-de-prestamo\/#Preguntas_frecuentes_sobre_el_contrato_de_prestamo\" >Preguntes freq\u00fcents sobre el contracte de pr\u00e9stec<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_un_contrato_de_prestamo_y_que_informacion_debe_contener\"><\/span><strong>Qu\u00e8 \u00e9s un contracte de pr\u00e9stec i quina informaci\u00f3 ha de contenir?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un contracte de pr\u00e9stec \u00e9s el document que recull, amb car\u00e0cter vinculant, les condicions sota les quals una entitat lliura una quantitat de diners i el consumidor es compromet a tornar-la.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_obligaciones_asumen_prestamista_y_prestatario\"><\/span>Quines obligacions assumeixen prestador i prestatari<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">De forma senzilla, el funcionament \u00e9s aquest: el prestador lliura una quantitat de diners al prestatari, i aquest es compromet a tornar-la sota unes condicions pr\u00e8viament establertes: import, termini, cost i forma de pagament.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Contrato_e_informacion_precontractual_no_son_lo_mismo\"><\/span>Contracte i informaci\u00f3 precontractual: no s\u00f3n el mateix<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00f3n dos documents diferents, en dos moments diferents:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Informaci\u00f3 precontractual: <\/strong>\u00e9s la que reps abans de sol\u00b7licitar el pr\u00e9stec. Recull les condicions proposades (import, termini, TIN, TAE, quotes) perqu\u00e8 les puguis comparar amb altres ofertes encara sense cap comprom\u00eds per part teva.<\/li>\n\n\n\n<li><strong>Contracte definitiu: <\/strong>\u00e9s el document que signes o acceptes al final del proc\u00e9s. Recull les condicions tancades i \u00e9s el que et vincula legalment amb l&#039;entitat.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A la pr\u00e0ctica, aix\u00f2 significa que pots fer servir la informaci\u00f3 precontractual per comparar sense comprometre&#039;t, i que nom\u00e9s el contracte definitiu \u00e9s exigible. La <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2011-10970\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Llei 16\/2011<\/strong><\/a>, de 24 de juny, de contractes de cr\u00e8dit al consum, obliga que ambd\u00f3s documents existeixin de forma separada i que el contracte final reflecteixi aquesta mateixa informaci\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Por_que_debes_comprobar_que_ambos_documentos_coinciden\"><\/span>Per qu\u00e8 has de comprovar que tots dos documents coincideixen<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Abans d&#039;acceptar, revisa que no hagin canviat respecte a all\u00f2 que se&#039;t va oferir inicialment: l&#039;import, el termini, el tipus d&#039;inter\u00e8s, la TAE, les quotes, les comissions i els productes associats. Aquesta comprovaci\u00f3 se centra en les cl\u00e0usules econ\u00f2miques del contracte, no en si l&#039;entitat \u00e9s transparent o fiable, cosa que pots valorar a la nostra guia sobre pr\u00e9stecs online segurs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Las_8_clausulas_de_un_contrato_de_prestamo_que_debes_revisar\"><\/span><strong>Les 8 cl\u00e0usules d&#039;un contracte de pr\u00e9stec que heu de revisar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aquestes s\u00f3n les cl\u00e0usules econ\u00f2miques i contractuals que conv\u00e9 comprovar abans de signar qualsevol pr\u00e9stec:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"580\" height=\"840\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/1infografia-contrato-de-prestamo.png\" alt=\"Les 8 cl\u00e0usules que cal revisar abans de signar el teu contracte\" class=\"wp-image-11852\" srcset=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/1infografia-contrato-de-prestamo.png 580w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/1infografia-contrato-de-prestamo-207x300.png 207w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/1infografia-contrato-de-prestamo-8x12.png 8w\" sizes=\"auto, (max-width: 580px) 100vw, 580px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Importe_del_prestamo_y_cantidad_que_recibiras\"><\/span>1. Import del pr\u00e9stec i quantitat que rebr\u00e0s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Comprova el capital concedit, l&#039;import que efectivament rebr\u00e0s, la forma de disposici\u00f3, la data de lliurament i si hi ha quantitats descomptades inicialment. La quantitat sol\u00b7licitada, la quantitat finan\u00e7ada i els diners que finalment reps poden no coincidir exactament si hi ha costos associats que es descompten abans de l&#039;ingr\u00e9s. Per aix\u00f2 conv\u00e9 fixar-se en l&#039;import net que arribar\u00e0 al vostre compte, no nom\u00e9s en la xifra que apareix com a capital concedit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_TIN_TAE_y_coste_total_del_prestamo\"><\/span>2. TIN, TAE i cost total del pr\u00e9stec<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El contracte ha de recollir, com a m\u00ednim, tres xifres: el TIN, la TAE i l&#039;import total degut (quant acabar\u00e0s tornant en total). Comprova que totes tres coincideixen exactament amb les que se&#039;t van mostrar abans de sol\u00b7licitar el pr\u00e9stec; el <a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/productosservici\/relacionados\/tiposinteres\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Banc d&#039;Espanya<\/a> recorda que aquestes dades han de ser homog\u00e8nies entre la informaci\u00f3 precontractual i el contracte definitiu. Si no tens clar quina difer\u00e8ncia hi ha entre tots dos indicadors, consulta la nostra guia sobre <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-tin-i-tae\/\" target=\"_blank\" rel=\"noreferrer noopener\">qu\u00e8 s\u00f3n el TIN i la TAE<\/a> abans de continuar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Numero_importe_y_fecha_de_las_cuotas\"><\/span>3. N\u00famero, import i data de les quotes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Revisa quant es paga, cada quant, quina \u00e9s la primera i la darrera quota, el nombre total de pagaments, la data de venciment i la forma de pagament. Aquesta informaci\u00f3 sol detallar-se al quadre d&#039;amortitzaci\u00f3 del pr\u00e9stec; pots consultar <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-fer-un-quadre-damortitzacio\/\" target=\"_blank\" rel=\"noreferrer noopener\">com funciona un quadre d&#039;amortitzaci\u00f3<\/a> per entendre com es distribueixen les quotes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Comisiones_gastos_y_productos_vinculados\"><\/span>4. Comissions, despeses i productes vinculats<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Identifica si hi ha comissi\u00f3 d&#039;obertura, quins costos administratius s\u00f3n aplicables, si hi ha costos per modificacions del contracte i si el pr\u00e9stec porta productes o assegurances associats que puguin condicionar les condicions ofertes. La informaci\u00f3 precontractual ha d&#039;informar tamb\u00e9 de determinats serveis accessoris quan la contractaci\u00f3 estigui vinculada a les condicions del cr\u00e8dit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Intereses_de_demora_y_gastos_por_impago\"><\/span>5. Interessos de demora i despeses per impagament<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El contracte ha d&#039;indicar el tipus d&#039;inter\u00e8s de demora, des de quan es pot aplicar, sobre quina base es calcula i si hi ha altres despeses vinculades al retard. La normativa sobre cr\u00e8dit al consum preveu expressament que s&#039;informi del tipus d&#039;inter\u00e8s de demora i, quan pertoqui, de les despeses per impagament. Si vols con\u00e8ixer amb m\u00e9s detall qu\u00e8 pot passar en cas de no pagar, consulta <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-passa-si-no-pagues-un-prestec\/\" target=\"_blank\" rel=\"noreferrer noopener\">qu\u00e8 passa si no pagues un pr\u00e9stec<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Amortizacion_o_cancelacion_anticipada\"><\/span>6. Amortitzaci\u00f3 o cancel\u00b7laci\u00f3 anticipada<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Reviseu les condicions d&#039;amortitzaci\u00f3 parcial i de cancel\u00b7laci\u00f3 total, aix\u00ed com les possibles compensacions aplicables. En els cr\u00e8dits al consum, la llei reconeix el dret al reemborsament anticipat ia una reducci\u00f3 del cost total corresponent al temps restant, subjecte a les condicions establertes al contracte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Derecho_de_desistimiento\"><\/span>7. Dret de desistiment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El dret de desistiment no \u00e9s el mateix que amortitzar anticipadament: determinats cr\u00e8dits al consum permeten al consumidor deixar sense efecte el contracte dins un termini legal, sense necessitat de justificar-ne el motiu. El contracte ha dindicar on i com exercir aquest dret. Pots consultar tots els detalls a la nostra p\u00e0gina sobre ell <a href=\"https:\/\/www.avafin.es\/ca\/desistiment\/\" target=\"_blank\" rel=\"noreferrer noopener\">dret de desistiment d&#039;un pr\u00e9stec<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_Consecuencias_del_impago_y_vencimiento_anticipado\"><\/span>8. Conseq\u00fc\u00e8ncies de l&#039;impagament i venciment anticipat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e9s enll\u00e0 dels interessos de demora, revisa qu\u00e8 estableix espec\u00edficament el contracte sobre el venciment anticipat: en quines condicions l\u201fentitat pot exigir la devoluci\u00f3 de tot el pr\u00e9stec abans de la data pactada, i quin procediment de reclamaci\u00f3 aplica en aquest cas. Aquesta cl\u00e0usula sol ser la que menys es llegeix i la que t\u00e9 m\u00e9s impacte si arribes a necessitar-la.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_comprobar_el_coste_real_antes_de_firmar\"><\/span><strong>Com comprovar el cost real abans de signar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aqu\u00ed ens centrem en com verificar que el cost que figura al teu contracte \u00e9s el que esperaves, no a explicar el concepte des de zero. Si vols entendre primer, de forma general, en qu\u00e8 t&#039;has de fixar per calcular el cost real de qualsevol pr\u00e9stec, consulta la nostra guia sobre <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/cost-real-microprestem\/\" target=\"_blank\" rel=\"noreferrer noopener\">el cost real d&#039;un pr\u00e9stec<\/a>.<\/p>\n\n\n<section id=\"cards-group-block_31bcfc3f5273ff80a2858b12fc91cf7c\" class=\"av-cards-group   av-cards-group-3 av-card-group-standard\" >\n            <div id=\"card-0\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/07\/slider_red.png\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"Compara\"\/>\n                    <\/div>\n                                                <h3><h3>Compara el capital rebut amb el total a tornar<\/h3>\n<\/h3>\n                                                <p><p>No et quedis nom\u00e9s amb la quota mensual; localitza la xifra de \u00abtotal a tornar\u00bb i compara-la amb el capital que rebr\u00e0s.<\/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\/08\/transparent_red.png\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"lupa \/ comparaci\u00f3\"\/>\n                    <\/div>\n                                                <h3><h3>Revisa la TAE, no nom\u00e9s l&#039;inter\u00e8s<\/h3>\n<\/h3>\n                                                <p><p style=\"text-align: left;\">Comprova que la TAE del contracte coincideix amb la que se&#039;t va mostrar abans de sol\u00b7licitar el pr\u00e9stec.<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-2\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/07\/reselling_red.jpg\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"Suma els costos\"\/>\n                    <\/div>\n                                                <h3><h3>Suma els costos vinculats<\/h3>\n<\/h3>\n                                                <p><p>Si el contracte inclou una asseguran\u00e7a o un altre producte, verifica que el seu cost ja est\u00e0 reflectit en el total a tornar.<\/p>\n<p>&nbsp;<\/p>\n<\/p>\n                                    <\/div>\n    <\/section>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comprueba_cuanto_pagarias_si_mantienes_el_prestamo_hasta_el_final\"><\/span>Comprova quant pagaries si mantens el pr\u00e9stec fins al final<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta taula resumeix on localitzar cada dada dins de la documentaci\u00f3 del pr\u00e9stec:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Concepte<\/strong><\/td><td><strong>On localitzar-ho<\/strong><\/td><\/tr><tr><td>Capital concedit<\/td><td>Contracte<\/td><\/tr><tr><td>TIN<\/td><td>Condicions financeres<\/td><\/tr><tr><td>TAE<\/td><td>Informaci\u00f3 precontractual i contracte<\/td><\/tr><tr><td>Nombre de quotes<\/td><td>Calendari de pagaments<\/td><\/tr><tr><td>Import de cada quota<\/td><td>Contracte o quadre d&#039;amortitzaci\u00f3<\/td><\/tr><tr><td>Comissions<\/td><td>Condicions econ\u00f2miques<\/td><\/tr><tr><td>Total a tornar<\/td><td>Informaci\u00f3 contractual<\/td><\/tr><\/tbody><\/table><\/figure>\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_documentos_debes_comparar_antes_de_aceptar_el_prestamo\"><\/span><strong><strong>Quins documents heu de comparar abans d&#039;acceptar el pr\u00e9stec<\/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\">Al llarg del proc\u00e9s de sol\u00b7licitud manejar\u00e0s diversos documents diferents; aquests s\u00f3n els que has de tenir a m\u00e0 i comparar entre si:<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/08\/contrato-prestamo.jpg\" alt=\"Servei al client\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Informacion_precontractual\"><\/span>Informaci\u00f3 precontractual<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s el document que permet valorar l&#039;oferta abans de quedar vinculat: recull les condicions econ\u00f2miques proposades perqu\u00e8 les puguis comparar amb altres alternatives.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Oferta_o_condiciones_facilitadas_por_la_entidad\"><\/span>Oferta o condicions facilitades per l&#039;entitat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si hi ha una simulaci\u00f3 pr\u00e8via a la sol\u00b7licitud, comprova que les dades econ\u00f2miques que mostra coincideixen amb les que despr\u00e9s apareixen al contracte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Contrato_definitivo\"><\/span>Contracte definitiu<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s el document que cal revisar just abans d&#039;acceptar el finan\u00e7ament, ja que recull les condicions finals i vinculants del pr\u00e9stec.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cuadro_o_calendario_de_pagos\"><\/span>Quadre o calendari de pagaments<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Permet comprovar com es distribueixen les quotes al llarg del termini contractat, incloent-hi dates i el desglossament entre capital i interessos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_hacer_si_una_condicion_del_contrato_no_coincide_con_la_oferta\"><\/span><strong>Qu\u00e8 cal fer si una condici\u00f3 del contracte no coincideix amb l&#039;oferta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si detectes que alguna condici\u00f3 econ\u00f2mica del contracte no coincideix amb el que se&#039;t va oferir inicialment, aquests s\u00f3n els passos recomanats:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"No_aceptes_hasta_aclarar_la_diferencia\"><\/span>No acceptis fins a aclarir la difer\u00e8ncia<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Evita signar o confirmar la sol\u00b7licitud mentre hi hagi un dubte sobre alguna xifra o condici\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Solicita_una_explicacion_por_escrito\"><\/span>Demana una explicaci\u00f3 per escrit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Demaneu a l&#039;entitat que us aclareixi per escrit el motiu de la difer\u00e8ncia detectada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pide_una_copia_actualizada_del_contrato\"><\/span>Demana una c\u00f2pia actualitzada del contracte<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Assegureu-vos de disposar de la versi\u00f3 m\u00e9s recent del document abans d&#039;acceptar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Vuelve_a_comprobar_TAE_cuotas_y_coste_total\"><\/span>Torna a comprovar TAE, quotes i cost total<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Revisa novament aquestes tres dades un cop rebuda l&#039;aclariment o el contracte actualitzat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conserva_la_documentacion_precontractual\"><\/span>Conserva la documentaci\u00f3 precontractual<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Guarda la informaci\u00f3 precontractual i qualsevol comunicaci\u00f3 relacionada, ja que et servir\u00e0 de refer\u00e8ncia si cal reclamar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"Revisa_el_checklist_luego_decide\"><\/span><strong>Revisa el checklist, despr\u00e9s decideix<\/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=\"Checklist_antes_de_firmar_un_contrato_de_prestamo\"><\/span><strong>Checklist abans de signar un contracte de pr\u00e9stec<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Abans d&#039;acceptar, repassa un per un aquests punts i marca els que ja hagis comprovat al teu contracte:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Abans de signar, comprova<\/strong><\/td><td><strong>\u2713<\/strong><\/td><\/tr><tr><td>Capital que rebr\u00e0s<\/td><td>&nbsp;<\/td><\/tr><tr><td>Import total que tornar\u00e0s<\/td><td>&nbsp;<\/td><\/tr><tr><td>TIN<\/td><td>&nbsp;<\/td><\/tr><tr><td>TAE<\/td><td>&nbsp;<\/td><\/tr><tr><td>N\u00famero i quantia de les quotes<\/td><td>&nbsp;<\/td><\/tr><tr><td>Data de venciment<\/td><td>&nbsp;<\/td><\/tr><tr><td>Comissions i despeses<\/td><td>&nbsp;<\/td><\/tr><tr><td>Productes o assegurances vinculades<\/td><td>&nbsp;<\/td><\/tr><tr><td>Interessos de demora<\/td><td>&nbsp;<\/td><\/tr><tr><td>Condicions d&#039;amortitzaci\u00f3 anticipada<\/td><td>&nbsp;<\/td><\/tr><tr><td>Dret de desistiment<\/td><td>&nbsp;<\/td><\/tr><tr><td>Conseq\u00fc\u00e8ncies de l&#039;impagament<\/td><td>&nbsp;<\/td><\/tr><tr><td>Coincid\u00e8ncia amb l&#039;oferta pr\u00e8via<\/td><td>&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Si prefereixes tenir tamb\u00e9 una guia general sobre com afrontar una sol\u00b7licitud amb criteri, consulta com <a href=\"https:\/\/www.avafin.es\/ca\/prestem-responsables\/\" target=\"_blank\" rel=\"noreferrer noopener\">demanar un pr\u00e9stec de forma responsable<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes_sobre_el_contrato_de_prestamo\"><\/span><strong>Preguntes freq\u00fcents sobre el contracte de pr\u00e9stec<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Resolem aqu\u00ed, de manera breu, els dubtes m\u00e9s habituals sobre aquesta q\u00fcesti\u00f3.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1787143873768\"><strong class=\"schema-faq-question\">Qu\u00e8 ha d&#039;incloure un contracte de pr\u00e9stec?<\/strong> <p class=\"schema-faq-answer\">Ha d&#039;incloure, entre altres dades, l&#039;import concedit, el TIN, la TAE, el nombre i l&#039;import de les quotes, les comissions aplicables, els interessos de demora i les condicions d&#039;amortitzaci\u00f3 anticipada i desistiment.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787143883864\"><strong class=\"schema-faq-question\">He de rebre el contracte abans de signar-lo?<\/strong> <p class=\"schema-faq-answer\">S\u00ed. Abans de quedar vinculat, heu de rebre informaci\u00f3 precontractual que us permeti con\u00e8ixer i comparar les condicions ofertes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787143895362\"><strong class=\"schema-faq-question\">Quina difer\u00e8ncia hi ha entre TIN i TAE al contracte?<\/strong> <p class=\"schema-faq-answer\">El TIN \u00e9s el tipus d&#039;inter\u00e8s aplicat, mentre que la TAE incorpora tamb\u00e9 les comissions i les despeses, i permet comparar el cost real de diferents ofertes. Pots ampliar aquesta difer\u00e8ncia a <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-tin-i-tae\/\" target=\"_blank\" rel=\"noreferrer noopener\">qu\u00e8 s\u00f3n el TIN i la TAE<\/a>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787143908737\"><strong class=\"schema-faq-question\">Poden cobrar una comissi\u00f3 que no apareix al contracte?<\/strong> <p class=\"schema-faq-answer\">No. Qualsevol comissi\u00f3 aplicable ha d&#039;estar recollida al contracte i coincidir amb la informaci\u00f3 precontractual facilitada pr\u00e8viament.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787143920362\"><strong class=\"schema-faq-question\">Puc tornar el pr\u00e9stec abans de la data prevista?<\/strong> <p class=\"schema-faq-answer\">S\u00ed, la normativa reconeix el dret al reemborsament anticipat, amb una reducci\u00f3 del cost total corresponent alhora que deixa de transc\u00f3rrer.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787143932502\"><strong class=\"schema-faq-question\">Puc cancel\u00b7lar el contracte despr\u00e9s de signar-lo?<\/strong> <p class=\"schema-faq-answer\">Dep\u00e8n de si et refereixes a amortitzar anticipadament el pr\u00e9stec oa exercir el dret de desistiment; s\u00f3n dues figures diferents, i el contracte ha d&#039;indicar el procediment aplicable a cadascuna.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787143946812\"><strong class=\"schema-faq-question\">Qu\u00e8 passa si una condici\u00f3 \u00e9s diferent de l&#039;oferta inicial?<\/strong> <p class=\"schema-faq-answer\">No heu d&#039;acceptar fins a aclarir la difer\u00e8ncia amb l&#039;entitat i, si cal, sol\u00b7licitar una explicaci\u00f3 per escrit abans de signar.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787143961607\"><strong class=\"schema-faq-question\">Qu\u00e8 passa si no puc pagar una quota?<\/strong> <p class=\"schema-faq-answer\">El contracte ha d&#039;indicar quins interessos de demora i quines despeses es poden aplicar i quin procediment segueix l&#039;entitat en aquests casos.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787143978203\"><strong class=\"schema-faq-question\">\u00c9s v\u00e0lid un contracte de pr\u00e9stec signat en l\u00ednia?<\/strong> <p class=\"schema-faq-answer\">S\u00ed, es pot formalitzar en suport durador quan es compleixen els requisits aplicables, sense necessitat de signatura manuscrita. L&#039;important \u00e9s que el document reculli tota la informaci\u00f3 exigida i que el puguis conservar i consultar posteriorment.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Quan hagis revisat tota la informaci\u00f3, si decideixes seguir endavant pots sol\u00b7licitar la teva <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stec personal en l\u00ednia<\/a> i comprovar les condicions concretes de la teva operaci\u00f3 abans dacceptar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Ja saps qu\u00e8 revisar?<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Demana el teu pr\u00e9stec a AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Un contrato de pr\u00e9stamo establece cu\u00e1nto dinero recibes, cu\u00e1nto tendr\u00e1s que devolver, cu\u00e1ndo tendr\u00e1s que hacerlo y qu\u00e9 ocurre si modificas, cancelas o incumples las condiciones acordadas. Es el documento que da forma legal a la operaci\u00f3n, y su contenido debe coincidir con lo que la entidad te ofreci\u00f3 antes de solicitar la financiaci\u00f3n. Antes [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":11851,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":false,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[23,21],"tags":[],"class_list":["post-11850","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacion-financiera","category-prestamo"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Contrato de pr\u00e9stamo: 8 cl\u00e1usulas que revisar | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Descubre qu\u00e9 cl\u00e1usulas revisar en un contrato de 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Espa\u00f1a\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#\\\/schema\\\/person\\\/2955e74f3626e82f06ef36d98ecdc878\",\"name\":\"Alejandra Rangel\",\"pronouns\":\"Ella\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-cropped-Alejandra-Rangel-Avafin-2-96x96.png\",\"url\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-cropped-Alejandra-Rangel-Avafin-2-96x96.png\",\"contentUrl\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-cropped-Alejandra-Rangel-Avafin-2-96x96.png\",\"caption\":\"Alejandra Rangel\"},\"description\":\"Experta financiera, con 6 a\u00f1os de experiencia liderando la atenci\u00f3n a clientes que buscan soluciones econ\u00f3micas. 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\\\/blog\\\/contrato-de-prestamo#faq-question-1787143873768\",\"position\":1,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/contrato-de-prestamo#faq-question-1787143873768\",\"name\":\"\u00bfQu\u00e9 debe incluir un contrato de pr\u00e9stamo?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Debe incluir, entre otros datos, el importe concedido, el TIN, la TAE, el n\u00famero e importe de las cuotas, las comisiones aplicables, los intereses de demora y las condiciones de amortizaci\u00f3n anticipada y desistimiento.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/contrato-de-prestamo#faq-question-1787143883864\",\"position\":2,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/contrato-de-prestamo#faq-question-1787143883864\",\"name\":\"\u00bfDebo recibir el contrato antes de firmarlo?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\u00ed. Antes de quedar vinculado, debes recibir informaci\u00f3n precontractual que te permita conocer y comparar las condiciones ofrecidas.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/contrato-de-prestamo#faq-question-1787143895362\",\"position\":3,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/contrato-de-prestamo#faq-question-1787143895362\",\"name\":\"\u00bfQu\u00e9 diferencia hay entre TIN y TAE en el contrato?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"El TIN es el tipo de inter\u00e9s aplicado, mientras que la TAE incorpora tambi\u00e9n las comisiones y gastos, y permite comparar el coste real de distintas ofertas. 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