{"id":4907,"date":"2024-11-21T10:00:05","date_gmt":"2024-11-21T10:00:05","guid":{"rendered":"https:\/\/www.avafin.es\/?p=4907"},"modified":"2026-04-23T12:52:32","modified_gmt":"2026-04-23T10:52:32","slug":"prestem-preconcedits","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/prestamos-preconcedidos","title":{"rendered":"T&#039;ho expliquem tot sobre els pr\u00e9stecs preconcedits\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Un <strong>pr\u00e9stec preconcedit<\/strong> \u00e9s un <strong>tipus de finan\u00e7ament<\/strong> que el <strong>banc ofereix<\/strong> sense que hagi intervingut una sol\u00b7licitud pr\u00e8via per part del client.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00ed, la principal <strong>difer\u00e8ncia <\/strong>entre aquest <strong>tipus de pr\u00e9stecs<\/strong> i els convencionals rau que no requereixen la iniciativa de qui rebr\u00e0 els diners, en ser l&#039;entitat banc\u00e0ria la que els proposa.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, en aquest cas no es <strong>sol\u00b7licita el pr\u00e9stec<\/strong> per una quantitat determinada escollida, sin\u00f3 que \u00e9s el banc qui l&#039;estableix d&#039;acord amb la <strong>solv\u00e8ncia econ\u00f2mica del client<\/strong>, estant tant aquest aspecte com la resta de condicions tancades per endavant. Tot i que algunes entitats puguin oferir certa flexibilitat dins d&#039;uns par\u00e0metres no negociables.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En les seg\u00fcents l\u00ednies, abordarem detalladament les <strong>caracter\u00edstiques<\/strong> dels pr\u00e9stecs preconcedits, les <strong>avantatges i desavantatges<\/strong> que tenen, els seus <strong>requisits<\/strong>,<strong> <\/strong>aix\u00ed com els aspectes clau que cal valorar abans d&#039;acceptar-los.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finalment, informarem tamb\u00e9 sobre les possibilitats que brinden els <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pr\u00e9stecs<\/strong><\/a> de <strong>AvaFin<\/strong>, que s\u00f3n tan \u00e0gils i r\u00e0pids com els preconcedits, per\u00f2 a difer\u00e8ncia d&#039;aquests personalitzables<strong>a mida<\/strong> quant a terminis i quantitats.\u00a0<\/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\/prestamos-preconcedidos\/#Caracteristicas_principales_de_un_prestamo_preconcedido\" >Caracter\u00edstiques principals d&#039;un pr\u00e9stec preconcedit&nbsp;<\/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\/prestamos-preconcedidos\/#%C2%BFCuanto_tardan_en_darte_un_prestamo_preconcedido\" >Quan triguen a donar-te un pr\u00e9stec preconcedit?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamos-preconcedidos\/#Ventajas_y_desventajas_de_los_prestamos_preconcedidos\" >Avantatges i desavantatges dels pr\u00e9stecs preconcedits&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamos-preconcedidos\/#Requisitos_para_acceder_a_un_prestamo_preconcedido\" >Requisits per accedir a un pr\u00e9stec preconcedit&nbsp;<\/a><\/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\/prestamos-preconcedidos\/#Consejos_antes_de_aceptar_un_prestamo_preconcedido\" >Consells abans d&#039;acceptar un pr\u00e9stec preconcedit&nbsp;<\/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\/prestamos-preconcedidos\/#%C2%BFQuieres_saber_si_tu_Prestamo_esta_preconcedido\" >Vols saber si el teu Pr\u00e9stec est\u00e0 preconcedit?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Caracteristicas_principales_de_un_prestamo_preconcedido\"><\/span><strong>Caracter\u00edstiques principals d&#039;un pr\u00e9stec preconcedit<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hi ha una s\u00e8rie de <strong>caracter\u00edstiques dels pr\u00e9stecs preconcedits<\/strong> que s\u00f3n molt distintives, encara que no es tracti d&#039;una <strong>f\u00f3rmula universal<\/strong> que totes les entitats banc\u00e0ries apliquin amb detall, sense particularitzar cap detall.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entre els <strong>nexes comuns<\/strong> que tenen estarien:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tots ells entrarien dins de la categoria dels <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pr\u00e9stecs personals<\/strong><\/a>, ja que no hi ha cr\u00e8dit hipotecari ni finan\u00e7ament a empreses en format preconcedit.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La <strong>iniciativa de l&#039;entitat banc\u00e0ria<\/strong> a l&#039;hora de proposar-ho, fins i tot des de la seva pr\u00f2pia App online, o notificant-ho per <strong>correu electr\u00f2nic<\/strong> o SMS de manera autom\u00e0tica.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La <strong>quantitat de diners<\/strong> proposta s&#039;ajusta sempre a la <strong>solv\u00e8ncia del client<\/strong> i la seva <strong>situaci\u00f3 financera<\/strong>, per aix\u00f2 en uns casos els bancs poden oferir pr\u00e9stecs preconcedits de 20.000 euros i en altres de 1.000.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les <strong>condicions no s\u00f3n negociables<\/strong>, de manera que vindria predeterminat per endavant tot all\u00f2 relatiu a quantitats, <strong>termini de devoluci\u00f3<\/strong>, quotes, interessos, etc. Encara que en alguns casos els bancs puguin donar cert marge als imports, aquests sempre portaran associades unes condicions que variaran autom\u00e0ticament sense possibilitat de personalitzaci\u00f3.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Un altre tret dels pr\u00e9stecs preconcedits seria el seu car\u00e0cter <strong>exclusivista<\/strong>, ja que nom\u00e9s s\u00f3n oferts a clients de <strong>certs perfils<\/strong>, quedant-se fora precisament aquelles persones que m\u00e9s poden necessitar l&#039;acc\u00e9s al cr\u00e8dit.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_tardan_en_darte_un_prestamo_preconcedido\"><\/span><strong>Quan triguen a donar-te un pr\u00e9stec preconcedit?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La concessi\u00f3 d&#039;aquests pr\u00e9stecs seria gaireb\u00e9 autom\u00e0tica, si b\u00e9 per a aquells de quantitats m\u00e9s altes es pot fer una <strong>revisi\u00f3 addicional<\/strong>, malgrat haver efectuat el banc un estudi financer previ. <strong>ingr\u00e9s dels diners<\/strong> sol realitzar-se a <strong>24-48 hores<\/strong>, depenent tamb\u00e9 de la <strong>entitat banc\u00e0ria<\/strong>.&nbsp;&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Ventajas_y_desventajas_de_los_prestamos_preconcedidos\"><\/span><strong>Avantatges i desavantatges dels pr\u00e9stecs preconcedits<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El principal avantatge que t\u00e9 aquesta f\u00f3rmula \u00e9s que <strong>disposes d&#039;un pr\u00e9stec <\/strong>sense <strong>necessitat de sol\u00b7licitar-ho<\/strong>, amb tot all\u00f2 que aix\u00f2 implica quan es tracta de cr\u00e8dit d&#039;entitats banc\u00e0ries: gestions, paperassa, esperes, explicacions, despla\u00e7aments a l&#039;oficina del banc\u2026&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En canvi, els pr\u00e9stecs preconcedits serien el m\u00e9s<strong> semblant<\/strong> que pot oferir la banca tradicional quant a <strong>rapidesa i comoditat<\/strong> al cr\u00e8dit que proporcionen fintechs com<strong> AvaFin<\/strong>, amb sol \u00b7 licituds que es completen al moment en l\u00ednia en uns pocs passos, respostes immediates i ingressos en minuts.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El cap\u00edtol dels<strong> inconvenients<\/strong> del pr\u00e9stec preconcedit comen\u00e7a per la pr\u00f2pia <strong>rigidesa<\/strong> que t\u00e9 com <strong>producte financer<\/strong>, ateses les limitacions establertes en les condicions del pr\u00e9stec.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, per la proactivitat del banc a l&#039;hora d&#039;oferir-lo, en no tractar-se d&#039;una iniciativa pr\u00f2pia de cerca de finan\u00e7ament per part dels clients, \u00e9s f\u00e0cil caure en <strong>endeutament innecessari<\/strong>, quan en realitat no calien aquests diners.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Requisitos_para_acceder_a_un_prestamo_preconcedido\"><\/span><strong>Requisits per accedir a un pr\u00e9stec preconcedit<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tot i que cada entitat pot tenir la seva <strong>pol\u00edtica pr\u00f2pia<\/strong> de <strong>pr\u00e9stecs preconcedits<\/strong>, solen seguir una s\u00e8rie de patrons comuns com oferir-lo a clients habituals despr\u00e9s d&#039;un <strong>estudi previ<\/strong> situaci\u00f3 financera.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, de tenir-ne unes <strong>comptes sanejats<\/strong> o garanties amb qu\u00e8 respondre es converteixi en un requisit perqu\u00e8 puguin arribar a oferir-lo, juntament amb altres que reforcin la <strong>vinculaci\u00f3<\/strong> amb l&#039;entitat, com tenir targetes, rebuts i sobretot una <strong>n\u00f2mina domiciliada<\/strong>, que serveixi alhora tamb\u00e9 de font d&#039;ingressos estable i de garantia.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Disposar de <strong>liquiditat<\/strong>, aix\u00ed com d&#039;un <strong>bon historial<\/strong> de pagaments sense deutes ni haver deixat descoberts als comptes oa les targetes s\u00f3n aspectes que els bancs valoren molt abans de proposar aquests pr\u00e9stecs. <strong>requisits es comproven pr\u00e8viament<\/strong> per les entitats abans d&#039;oferir-los. Encara que, depenent de la quantia del preconcedit, n&#039;hi pot haver una <strong>revisi\u00f3 addicional<\/strong> abans de la concessi\u00f3 final.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Consejos_antes_de_aceptar_un_prestamo_preconcedido\"><\/span><strong>Consells abans d&#039;acceptar un pr\u00e9stec preconcedit<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si t&#039;han <strong>ofert un pr\u00e9stec<\/strong> d&#039;aquest tipus abans de <strong>acceptar l&#039;oferta<\/strong> valora:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>La necessitat real<\/strong> de rebre&#039;l. Ser\u00e0 for\u00e7a indicatiu sobre aix\u00f2 si pr\u00e8viament no tenies ni al cap l&#039;opci\u00f3 de sol\u00b7licitar un cr\u00e8dit ni tampoc havies planejat una adquisici\u00f3 que ho requereixi.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Compara les condicions<\/strong> amb altres <strong>productes financers<\/strong>, que si b\u00e9 poden no estar preconcedits potser resulten m\u00e9s avantatjosos. A m\u00e9s, la comparaci\u00f3 no ha de circumscriure&#039;s a les alternatives que plantegi l&#039;entitat que t&#039;ha fet la proposta.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tot i que la capacitat de devoluci\u00f3 del pr\u00e9stec estaria m\u00e9s o menys assegurada per l&#039;estudi financer previ realitzat pel banc, cal <strong>avaluar<\/strong> detingudament el que<strong> suposaria<\/strong> per a les <strong>finances personals i familiars<\/strong>, estudiant quotes mensuals, terminis de devoluci\u00f3, suma total a pagar al final amb els interessos aplicats, etc.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En darrer terme, cal fer un exercici de <strong>responsabilitat <\/strong>per evitar <strong>hipotecar el futur <\/strong>per accedir a un finan\u00e7ament que no sigui estrictament necessari. En aquest sentit, cal destacar que els preconcedits difereixen for\u00e7a de <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/rapids\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pr\u00e9stecs r\u00e0pids<\/strong><\/a> com els de <strong>AvaFin<\/strong>, que en anar orientats a <strong>quantitats petites<\/strong> per solucionar emerg\u00e8ncies econ\u00f2miques tenen uns <strong>terminis de devoluci\u00f3 curts<\/strong>, per la qual cosa no es va arrossegant un deute en el temps, amb tot el que aix\u00f2 implica en pagament de quotes mes a mes amb els interessos corresponents acumulant-se.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Amb <strong>AvaFin<\/strong> <strong>tampoc no has d&#039;esperar<\/strong> a qu\u00e8 et <strong>proposin<\/strong> el finan\u00e7ament, pots demanar quan vulguis i obtenir fins i tot <a href=\"https:\/\/www.avafin.es\/ca\/credits\/urgents-en-linia\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>cr\u00e8dits urgents online<\/strong><\/a>.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9, pots <strong>personalitzar <\/strong>quantitats i terminis, a difer\u00e8ncia dels preconcedits en qu\u00e8 les condicions v\u00e9nen marcades per endavant.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comprova-ho tu mateix amb el nostre <a href=\"https:\/\/www.avafin.es\/ca\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>simulador de pr\u00e9stecs<\/strong><\/a>!&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Preguntes Freq\u00fcents<\/strong><\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1732529111355\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 passa si no pagues un pr\u00e9stec preconcedit?<\/strong>\u00a0<\/strong> <p class=\"schema-faq-answer\">Les conseq\u00fc\u00e8ncies de no pagar un pr\u00e9stec preconcedit s\u00f3n les <strong>mateixes <\/strong>que no fer-ho amb un <strong>pr\u00e9stec personal<\/strong>, amb excepci\u00f3 que les entitats en oferir-ho als seus clients habituals tenen sempre a m\u00e0 els seus <strong>comptes <\/strong>i <strong>n\u00f2mines<\/strong> per cobrar-se els impagaments. D&#039;altra banda, les repercussions serien similars, comen\u00e7ant pel <strong>augment del deute<\/strong> i les subseg\u00fcents <strong>reclamacions judicials<\/strong> per <strong>embargar els b\u00e9ns<\/strong> del deutor, que a m\u00e9s quedar\u00e0 registrat a <strong>fitxers de morositat<\/strong> que us dificultaran l&#039;acc\u00e9s al cr\u00e8dit en un futur a qualsevol entitat banc\u00e0ria.\u00a0<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"%C2%BFQuieres_saber_si_tu_Prestamo_esta_preconcedido\"><\/span>Vols saber si el teu Pr\u00e9stec est\u00e0 preconcedit?<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>","protected":false},"excerpt":{"rendered":"<p>Un pr\u00e9stamo preconcedido es un tipo de financiaci\u00f3n que el banco ofrece sin que haya mediado una solicitud previa por parte del cliente.&nbsp; As\u00ed, la principal diferencia entre este tipo de pr\u00e9stamos y los convencionales radica en que no requieren la iniciativa de quien va a recibir el dinero, al ser la entidad bancaria la [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":4911,"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-4907","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>Te lo contamos todo sobre los pr\u00e9stamos preconcedidos\u00a0 | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"La rapidez y comodidad son las principales cualidades de 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