{"id":4461,"date":"2025-03-15T09:00:00","date_gmt":"2025-03-15T09:00:00","guid":{"rendered":"https:\/\/www.avafin.es\/?p=4461"},"modified":"2026-03-06T13:19:04","modified_gmt":"2026-03-06T11:19:04","slug":"trucs-perque-et-concedeixin-un-prestec","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/trucos-para-que-te-concedan-un-prestamo","title":{"rendered":"Trucs perqu\u00e8 et concedeixin un pr\u00e9stec"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Moltes vegades <strong>demanar diners<\/strong> als bancs a trav\u00e9s d&#039;un cr\u00e8dit o pr\u00e9stec personal no d\u00f3na el resultat desitjat, tret que es tracti de perfils de clients molt concrets, als quals les entitats brinden tota mena de facilitats, amb f\u00f3rmules com els <strong>pr\u00e9stecs preconcedits<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, hem volgut enfocar aquest post a <strong>qu\u00e8 es pot fer per aconseguir l&#039;aprovaci\u00f3 d&#039;un pr\u00e9stec<\/strong>, tenint molt present en all\u00f2 que es <strong>fixen les entitats banc\u00e0ries<\/strong> a l&#039;hora de donar el vistiplau. A m\u00e9s, per ajudar-te a aconseguir la concessi\u00f3 t&#039;oferirem tamb\u00e9 una s\u00e8rie de <strong>trucs o consells<\/strong> que <strong>resulten efectius<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I ja finalment, et parlarem de les <strong>opcions alternatives<\/strong> que tens a <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/facils\/\"><strong>pr\u00e9stecs f\u00e0cils<\/strong><\/a>, com els que posa al teu abast <strong>AvaFin<\/strong>, i que s\u00f3n senzills tant d&#039;aconseguir com de sol\u00b7licitar.<\/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\">\u00cdndice<\/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\/trucos-para-que-te-concedan-un-prestamo\/#%C2%BFComo_hacer_para_que_te_aprueben_un_prestamo\" >Com fer perqu\u00e8 t&#039;aprovin un pr\u00e9stec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.avafin.es\/ca\/blog\/trucos-para-que-te-concedan-un-prestamo\/#%C2%BFQue_mira_el_banco_a_la_hora_de_aprobar_un_credito\" >Qu\u00e8 mireu el banc a l&#039;hora d&#039;aprovar un cr\u00e8dit?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.avafin.es\/ca\/blog\/trucos-para-que-te-concedan-un-prestamo\/#Situacion_financiera_del_solicitante_del_prestamo\" >Situaci\u00f3 financera del sol\u00b7licitant del pr\u00e9stec<\/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\/trucos-para-que-te-concedan-un-prestamo\/#Ratio_de_endeudamiento\" >R\u00e0tio d&#039;endeutament<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/trucos-para-que-te-concedan-un-prestamo\/#Deudas_impagadas_otros_prestamos_pendientes_de_saldar_e_historial_crediticio\" >Deutes impagats, altres pr\u00e9stecs pendents de saldar i historial creditici<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.avafin.es\/ca\/blog\/trucos-para-que-te-concedan-un-prestamo\/#Existencia_de_propiedades_y_bienes_a_nombre_del_solicitante\" >Exist\u00e8ncia de propietats i b\u00e9ns a nom del sol\u00b7licitant<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/trucos-para-que-te-concedan-un-prestamo\/#Trucos_para_no_tener_problemas_con_tu_prestamo\" >Trucs per no tenir problemes amb 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-8\" href=\"https:\/\/www.avafin.es\/ca\/blog\/trucos-para-que-te-concedan-un-prestamo\/#1-Ajusta_la_cantidad_de_dinero_solicitada\" >1-Ajusta la quantitat de diners sol\u00b7licitats<\/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\/trucos-para-que-te-concedan-un-prestamo\/#2-Extiende_el_plazo_de_devolucion\" >2-Est\u00e9n el termini de devoluci\u00f3<\/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\/trucos-para-que-te-concedan-un-prestamo\/#3-Asegurate_de_no_figurar_en_ASNEF\" >3-Assegura&#039;t de no figurar a ASNEF<\/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\/trucos-para-que-te-concedan-un-prestamo\/#4-Solicita_el_prestamo_con_saldo_en_la_cuenta\" >4-Sol\u00b7licita el pr\u00e9stec amb saldo al compte<\/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\/trucos-para-que-te-concedan-un-prestamo\/#5-Explica_el_motivo_por_el_que_quieres_el_prestamo\" >5-Explica el motiu pel qual vols el pr\u00e9stec<\/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\/trucos-para-que-te-concedan-un-prestamo\/#6-Aumenta_la_vinculacion_con_la_entidad\" >6-Augmenta la vinculaci\u00f3 amb l&#039;entitat<\/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\/trucos-para-que-te-concedan-un-prestamo\/#%C2%BFQue_alternativas_tienes_si_los_trucos_para_conseguir_un_prestamo_no_son_efectivos\" >Quines alternatives tens si els trucs per aconseguir un pr\u00e9stec no s\u00f3n efectius?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.avafin.es\/ca\/blog\/trucos-para-que-te-concedan-un-prestamo\/#Obten_un_prestamo_con_AvaFin_sin_ningun_truco\" >Obt\u00e9 un pr\u00e9stec amb AvaFin sense cap truc<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.avafin.es\/ca\/blog\/trucos-para-que-te-concedan-un-prestamo\/#%C2%BFNecesitas_Dinero_Rapido\" >Necessites Diners R\u00e0pids?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_hacer_para_que_te_aprueben_un_prestamo\"><\/span>Com fer perqu\u00e8 t&#039;aprovin un pr\u00e9stec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Per aconseguir que et <strong>concediu un pr\u00e9stec personal<\/strong> bancari la primera condici\u00f3 \u00e9s que compleixis una <strong>s\u00e8rie de requisits excloents<\/strong>, aix\u00f2 \u00e9s que suposen una condici\u00f3 imprescindible que de donar-se impedeix autom\u00e0ticament l&#039;acc\u00e9s al cr\u00e8dit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Parlem de ser <strong>major d&#039;edat<\/strong>, i fins i tot en algunes entitats de no haver superat un determinat nombre d&#039;anys que se sol situar en 75, en particular si la quantitat a sol\u00b7licitar \u00e9s alta.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00ed mateix, haur\u00e0s de <strong>acreditar solv\u00e8ncia<\/strong>, demostrant que perceps ingressos regulars mitjan\u00e7ant <strong>n\u00f2mina<\/strong>. Addicionalment, aquests no nom\u00e9s hauran de ser <strong>estables <\/strong>sin\u00f3 tamb\u00e9 <strong>folgats<\/strong>,per poder complir amb les obligacions contretes amb el banc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No oblidis tampoc presentar tota la<strong> documentaci\u00f3<\/strong> que et reclamin, que sol incloure:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DNI o altre document acreditatiu d&#039;identitat<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quantitat que vols sol\u00b7licitar<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Justificant d&#039;ingressos<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Contracte de treball<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Declaraci\u00f3 d&#039;IRPF<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_mira_el_banco_a_la_hora_de_aprobar_un_credito\"><\/span>Qu\u00e8 mireu el banc a l&#039;hora d&#039;aprovar un cr\u00e8dit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Per\u00f2, m\u00e9s enll\u00e0 dels requisits o les condicions de partida que puguin exigir, quins serien els aspectes que m\u00e9s valoren les entitats banc\u00e0ries per autoritzar els cr\u00e8dits? Per respondre aquesta pregunta cal advertir que <strong>poden variar<\/strong> en funci\u00f3 del <strong>tipus de pr\u00e9stec<\/strong> i, sobretot, de la <strong>quantitat que se sol\u00b7licite<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si b\u00e9, amb car\u00e0cter general, hi ha tres punts concrets en qu\u00e8 es fixen sempre: la <strong>situaci\u00f3 econ\u00f2mica<\/strong>, la possible exist\u00e8ncia de <strong>deutes pendents<\/strong> i el <strong>historial creditici<\/strong> del sol\u00b7licitant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Situacion_financiera_del_solicitante_del_prestamo\"><\/span>Situaci\u00f3 financera del sol\u00b7licitant del pr\u00e9stec<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;estat financer del sol\u00b7licitant \u00e9s valorat principalment pels <strong>ingressos en n\u00f2mina<\/strong> que t\u00e9, i la<strong> estabilitat<\/strong> dels mateixos amb base a la relaci\u00f3 contractual amb la seva empresa, ja que sempre sumar\u00e0 tenir un <strong>contracte indefinit<\/strong> i una bona <strong>antiguitat<\/strong>, tradu\u00efble en una alta indemnitzaci\u00f3 per acomiadament. Aquest \u00e9s el motiu que els treballadors per compte propi afrontin m\u00e9s dificultats d&#039;acc\u00e9s al cr\u00e8dit, encara que tenen a l&#039;abast opcions com els <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/per-a-autonoms\/\"><strong>pr\u00e9stecs per a aut\u00f2noms<\/strong><\/a> que oferim des de financeres com <strong>AvaFin<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, per valorar de manera m\u00e9s exhaustiva la situaci\u00f3 financera del sol\u00b7licitant estudien la seva <strong>declaraci\u00f3 de la renda<\/strong>. I tamb\u00e9, quan es tracta de <strong>pr\u00e9stecs a m\u00e9s llarg termini<\/strong> per alts imports, atenen a la import\u00e0ncia de la <strong>empresa<\/strong> que el contracta, i si pertany a un <strong>sector<\/strong> amb dificultats que anunci\u00ef acomiadaments imminents o previsibles en un futur proper.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ratio_de_endeudamiento\"><\/span>R\u00e0tio d&#039;endeutament<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tot i que hi ha un altre criteri molt rellevant que encara no hem esmentat, i que apliquen sempre per avaluar si la <strong>situaci\u00f3 econ\u00f2mica<\/strong> del sol\u00b7licitant \u00e9s apta per a la concessi\u00f3 del pr\u00e9stec. Es tracta del conegut com <strong>r\u00e0tio o coeficient d&#039;endeutament<\/strong>, per mesurar el <strong>percentatge dels ingressos mensuals<\/strong> que es dedicarien al pagament de deutes despr\u00e9s de la concessi\u00f3 del pr\u00e9stec.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Al c\u00e0lcul entrarien tant el <strong>pr\u00e9stec personal <\/strong>que se sol\u00b7licita com a altres preexistents, dels quals encara s&#039;estiguin pagant quotes (per exemple, una <strong>hipoteca<\/strong>). De manera, que si la suma total de la quantitat que s&#039;hauria de destinar mensualment a abonar deutes supera entre el <strong>35 i el 40% dels ingressos <\/strong>\u00e9s molt factible que deneguin la concessi\u00f3 del nou cr\u00e8dit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Deudas_impagadas_otros_prestamos_pendientes_de_saldar_e_historial_crediticio\"><\/span>Deutes impagats, altres pr\u00e9stecs pendents de saldar i historial creditici<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Abans, hem destacat que figurar a<strong> ASNEF<\/strong> per deutes podia excloure autom\u00e0ticament l&#039;acc\u00e9s al pr\u00e9stec. Per\u00f2<strong> ull<\/strong>, que es pot donar el cas de no estar en aquest registre per tenir tots els pagaments el dia; i que, tanmateix, ens <strong>neguin la sol\u00b7licitud<\/strong> amb base a les dades existents al <strong>CIRB<\/strong>. Aquesta \u00e9s la <strong>Central d&#039;informaci\u00f3 de riscos del Banc d&#039;Espanya<\/strong>, on queden registrats tant tots els pr\u00e9stecs superiors a 6.000 euros com les garanties i avals aportats per a aquests.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una entitat pot declinar l&#039;aprovaci\u00f3 per risc d&#039;impagament a causa de la <strong>exist\u00e8ncia d&#039;altres cr\u00e8dits<\/strong>; en suposar altres deutes que el sol\u00b7licitant ha d&#039;abonar, estar coberts per les mateixes garanties que es volen oferir per al nou pr\u00e9stec o donar-se les dues situacions alhora.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9, miraran el <strong>historial creditici anterior<\/strong>, el que pot sumar un <strong>punt a favor quan<\/strong> tots els pr\u00e9stecs rebuts han estat saldats sense incid\u00e8ncies. I igualment, si es tracta d&#039;un client amb comptes oberts al seu banc, revisaran si es queda habitualment en n\u00fameros vermells per<strong> descoberts<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Existencia_de_propiedades_y_bienes_a_nombre_del_solicitante\"><\/span>Exist\u00e8ncia de propietats i b\u00e9ns a nom del sol\u00b7licitant<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Finalment, ja en sentit favorable, estaria l&#039;exist\u00e8ncia de <strong>b\u00e9ns i propietats al seu nom<\/strong>, particularment si aquestes \u00faltimes estan <strong>lliures de c\u00e0rregues<\/strong>, m\u00e9s enll\u00e0 que s&#039;aportin com <strong>aval <\/strong>o no, encara que \u00f2bviament si es posen com a garantia suposar\u00e0 un important pes a la balan\u00e7a a favor del s\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Trucos_para_no_tener_problemas_con_tu_prestamo\"><\/span>Trucs per no tenir problemes amb el pr\u00e9stec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A continuaci\u00f3, et donem una s\u00e8rie de recomanacions o <strong>trucs perqu\u00e8 et concedeixin<\/strong> el pr\u00e9stec resulti m\u00e9s senzill, al <strong>augmentar les teves possibilitats<\/strong> que la decisi\u00f3 s&#039;inclini a favor teu, especialment si apliques el major nombre de consells que puguis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1-Ajusta_la_cantidad_de_dinero_solicitada\"><\/span>1-Ajusta la quantitat de diners sol\u00b7licitats<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Com m\u00e9s baix sigui l&#039;import m\u00e9s f\u00e0cil ser\u00e0 que t&#039;ho aprovin, particularment si pots tenir problemes amb el <strong>coeficient d&#039;endeutament <\/strong>que refer\u00edem, ja sigui pel nivell d&#039;ingressos o per l&#039;exist\u00e8ncia d&#039;altres deutes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2-Extiende_el_plazo_de_devolucion\"><\/span>2-Est\u00e9n el termini de devoluci\u00f3<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Informa&#039;t sobre la viabilitat d&#039;estendre el termini de devoluci\u00f3, per veure si aix\u00ed es <strong>redueixen les quotes mensuals<\/strong>, i evitar que puguin considerar la teva n\u00f2mina insuficient per abonar cada 30 dies la quota del pr\u00e9stec juntament amb les despeses fixes que ja tinguis. Aix\u00f2 s\u00ed, calcula b\u00e9 les <strong>taxes d&#039;inter\u00e8s<\/strong> que comportaria aquesta <strong>prolongaci\u00f3 del per\u00edode damortitzaci\u00f3<\/strong>, per valorar b\u00e9 per quant et sortiria al final per si aquesta f\u00f3rmula t&#039;interessa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3-Asegurate_de_no_figurar_en_ASNEF\"><\/span>3-Assegura&#039;t de no figurar a ASNEF<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Encara que creguis que no tens cap deute reclamat, mai no est\u00e0 de m\u00e9s <strong>comprovar-ho abans<\/strong> de <strong>sol\u00b7licitar el pr\u00e9stec<\/strong>. Moltes vegades la pres\u00e8ncia al fitxer passa inadvertida, en deure&#039;s a <strong>petits impagaments<\/strong> per canviar de banc o d&#039;asseguradora dels que ni tan sols se n&#039;\u00e9s conscient. Aquesta <strong>consulta<\/strong> es pot fer de manera r\u00e0pida i senzilla <strong>via web<\/strong>. I en cas de figurar al registre, el m\u00e9s recomanable \u00e9s <strong>abonar el deute<\/strong>, perqu\u00e8 si no \u00e9s aix\u00ed es dificulta l&#039;acc\u00e9s tant al cr\u00e8dit com al finan\u00e7ament de compres.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4-Solicita_el_prestamo_con_saldo_en_la_cuenta\"><\/span>4-Sol\u00b7licita el pr\u00e9stec amb saldo al compte<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si la petici\u00f3 de cr\u00e8dit la fas a la teva <strong>entitat habitual<\/strong>, causa molt mala impressi\u00f3 que el compte estigui molt pelat, i no parlem ja si es troba a <strong>n\u00fameros vermells<\/strong> pels <strong>descoberts<\/strong>. Evita fer la sol\u00b7licitud en aquestes condicions, per\u00f2 tampoc no caldria anar-se&#039;n a l&#039;extrem contrari artificialment, amb ingressos sospitosos sobtats que tinguin aparen\u00e7a de <strong>simulacre<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Simplement intenta mantenir cert <strong>equilibri financer <\/strong>durant una temporada si demanar\u00e0s un pr\u00e9stec de quantia important, mentre que si ho precises per cobrir una <strong>emerg\u00e8ncia econ\u00f2mica<\/strong>, el m\u00e9s recomanable podria ser que optessis per un <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/urgents\/\"><strong>pr\u00e9stec urgent<\/strong><\/a> com el que et podem oferir des de <strong>AvaFin<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5-Explica_el_motivo_por_el_que_quieres_el_prestamo\"><\/span>5-Explica el motiu pel qual vols el pr\u00e9stec<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Acompanyar la teva sol\u00b7licitud de la ra\u00f3 per la qual necessites els diners pot <strong>sumar punts a favor teu<\/strong> en el cas que, per exemple, ho necessitis per <strong>canviar d&#039;un vehicle a un altre amb menys consum<\/strong> de combustible, una substituci\u00f3 tradu\u00efble en una capacitat d&#039;estalvi m\u00e9s gran, per la qual cosa es tractaria d&#039;una <strong>inversi\u00f3 amb retorns econ\u00f2mics<\/strong>. Igual que si, per exemple, pretens adquirir-ne uns <strong>panells fotovoltaics<\/strong> <strong>o electrodom\u00e8stics m\u00e9s eficients<\/strong> com frigor\u00edfics, rentadores o neveres que gastin menys electricitat i afavoreixin la reducci\u00f3 de les factures de subministraments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00f2 s\u00ed, millor <strong>no mentir<\/strong> sobre aix\u00f2, i encara menys si el que es vol \u00e9s sol\u00b7licitar un pr\u00e9stec per pagar un altre anterior, una pr\u00e0ctica de <strong>palanquejament <\/strong>que estigui considerada com de risc financer, i de la qual a m\u00e9s \u00e9s molt probable que s&#039;assabentin amb una simple consulta a les dades de <strong>CIRB.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6-Aumenta_la_vinculacion_con_la_entidad\"><\/span>6-Augmenta la vinculaci\u00f3 amb l&#039;entitat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">De vegades la concessi\u00f3 del pr\u00e9stec es pot embussar perqu\u00e8 la r\u00e0tio <strong>rendibilitat\/risc<\/strong> de l&#039;operaci\u00f3 no resulti tant positiva com hauria de ser per al banc. Per aix\u00f2, pot ser convenient que en traslladis alguns <strong>rebuts <\/strong>o contractes algun <strong>asseguran\u00e7a<\/strong> gestionat per la <strong>entitat financera<\/strong>. Per\u00f2 abans, aix\u00f2 s\u00ed, informa&#039;t si aix\u00f2 et compensa i si fet i fet tindria una repercussi\u00f3 positiva en la decisi\u00f3 final.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_alternativas_tienes_si_los_trucos_para_conseguir_un_prestamo_no_son_efectivos\"><\/span>Quines alternatives tens si els trucs per aconseguir un pr\u00e9stec no s\u00f3n efectius?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si et deneguen el pr\u00e9stec despr\u00e9s d&#039;aplicar els diversos trucs que estava a la m\u00e0 posar en pr\u00e0ctica, primer<strong> comprova<\/strong> que totes les dades i documentaci\u00f3 que has aportat siguin correctes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas dhaver transm\u00e8s una informaci\u00f3 <strong>inexacta per error<\/strong>, pots intentar corregir-la i cursar de nou la sol\u00b7licitud. Mentre que si s&#039;ha <strong>ocultat <\/strong>alguna cosa el m\u00e9s aconsellable ser\u00e0 que provis amb <strong>una altra entitat<\/strong>, sense caure una altra vegada en la mateixa equivocaci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9 valora la possibilitat d&#039;oferir <strong>una garantia com a aval <\/strong>(per exemple una propietat o un vehicle) en cas de poder-ho fer, o b\u00e9 que una altra persona sigui la teva <strong>avalista<\/strong>, tenint molt present el risc que suposa en cas de <strong>impagament<\/strong>\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una altra opci\u00f3 que <strong>augmenta les teves possibilitats d&#039;obtenir<\/strong> el <strong>pr\u00e9stec<\/strong> \u00e9s sol\u00b7licitar-ho amb una altra persona, com la <strong>parella<\/strong> sense anar m\u00e9s lluny. Una alternativa que esmenaria el problema d&#039;uns hipot\u00e8tics ingressos insuficients que elevin el coeficient d&#039;endeutament m\u00e9s enll\u00e0 del <strong>risc assumible pel banc<\/strong>, at\u00e8s que en aquest sup\u00f2sit s&#039;avaluar\u00e0 la <strong>capacitat de pagament de tots els titulars en conjunt<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vols evitar-te complicacions i necessites <strong>sol\u00b7licitar un <\/strong><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/\"><strong>pr\u00e9stec<\/strong><\/a><strong> personal<\/strong> per a una despesa puntual no gaire elevada, tens les solucions credit\u00edcies que t&#039;ofereixen <strong>entitats financeres<\/strong> <strong>FinTech <\/strong>com la nostra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>AvaFin<\/strong> estem especialitzats en pr\u00e9stec <strong>r\u00e0pid en l\u00ednia<\/strong> amb <strong>criteris inclusius<\/strong>, per aix\u00f2 oferim des de <a href=\"https:\/\/www.avafin.es\/ca\/credits\/sense-nomina\/\"><strong>cr\u00e8dits sense n\u00f2mina<\/strong><\/a> que nom\u00e9s requereixen la disposici\u00f3 d&#039;un ingr\u00e9s mensual de qualsevol tipus, fins i tot <a href=\"https:\/\/www.avafin.es\/ca\/credits\/rapids-amb-asnef\/\"><strong>cr\u00e8dits r\u00e0pids amb ASNEF<\/strong><\/a> sota el compliment daltres condicions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Obten_un_prestamo_con_AvaFin_sin_ningun_truco\"><\/span>Obt\u00e9 un pr\u00e9stec amb AvaFin sense cap truc<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Amb nosaltres no et caldr\u00e0 cap truc per <strong>demanar un pr\u00e9stec<\/strong>, per la senzilla ra\u00f3 que tenim uns <strong>requisits molt f\u00e0cils<\/strong> de complir que nom\u00e9s inclouen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ser m\u00e9s gran<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tenir DNI, NIE o passaport en vigor<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Acreditar una n\u00f2mina o una prestaci\u00f3 de qualsevol mena.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pots obtenir la quantitat exacta de <strong>diners que necessitis<\/strong> amb un l\u00edmit de <strong>300 euros<\/strong> per al primer cr\u00e8dit, que podr\u00e0s ampliar en successius fins assolir els <strong>1.000 euros o m\u00e9s<\/strong>. Tu tries l&#039;import i el termini de devoluci\u00f3, sense <strong>lletra petita<\/strong> ni cobraments ocults.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, oferim <a href=\"https:\/\/www.avafin.es\/ca\/credits\/resposta-immediata\/\"><strong>cr\u00e8dits de resposta immediata<\/strong><\/a><strong> <\/strong>que es gestionen totalment <strong>en l\u00ednia<\/strong>, es concedeixen en tot just uns minuts i es <strong>ingressen al moment <\/strong>per transfer\u00e8ncia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Brindem <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/rapids\/\"><strong>pr\u00e9stecs r\u00e0pids<\/strong><\/a> sense trucs ni pegues! Demana ja el teu!<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"%C2%BFNecesitas_Dinero_Rapido\"><\/span>Necessites Diners R\u00e0pids?<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\">Obtingues-ho avui amb AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>En muchas ocasiones pedir dinero a los bancos a trav\u00e9s de un cr\u00e9dito o pr\u00e9stamo personal no da el resultado deseado, salvo que se trate de perfiles de clientes muy concretos, a quienes las entidades brindan todo tipo de facilidades, con f\u00f3rmulas como los pr\u00e9stamos pre-concedidos. Por eso, hemos querido enfocar este post a qu\u00e9 [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":4947,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"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-4461","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>Trucos para que te concedan un pr\u00e9stamo 2026 | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Descubre consejos \u00fatiles para obtener pr\u00e9stamos personales de bancos y conoce otras opciones de financiaci\u00f3n sin complicaciones ni rechazos.\" \/>\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\/bloc\/trucs-perque-et-concedeixin-un-prestec\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Trucos para que te concedan un pr\u00e9stamo 2026 | AvaFin Espa\u00f1a\" \/>\n<meta property=\"og:description\" content=\"Descubre consejos \u00fatiles para obtener pr\u00e9stamos personales de bancos y conoce otras opciones de financiaci\u00f3n sin complicaciones ni rechazos.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.avafin.es\/ca\/bloc\/trucs-perque-et-concedeixin-un-prestec\" \/>\n<meta property=\"og:site_name\" content=\"AvaFin Espa\u00f1a\" \/>\n<meta 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