{"id":4971,"date":"2026-04-17T09:46:26","date_gmt":"2026-04-17T07:46:26","guid":{"rendered":"https:\/\/www.avafin.es\/?p=4971"},"modified":"2026-04-17T09:46:32","modified_gmt":"2026-04-17T07:46:32","slug":"un-prestec-personal-desgrava-en-la-declaracio-de-la-renda","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta","title":{"rendered":"Un pr\u00e9stec personal desgrava a la declaraci\u00f3 de la renda?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Pr\u00e9stec personal desgrava renda<\/strong> \u00e9s un dels dubtes m\u00e9s habituals quan arriba la campanya de l'IRPF, sobretot entre els qui han demanat finan\u00e7ament durant l'any i no tenen clar si aix\u00f2 pot influir en la seva declaraci\u00f3. Tot i que moltes persones donen per feta una resposta r\u00e0pida, el cert \u00e9s que no sempre conv\u00e9 quedar-se amb la primera idea.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I \u00e9s que no tots els pr\u00e9stecs tenen el mateix tractament ni totes les situacions s'interpreten igual. L'\u00fas que se li hagi donat als diners, qui el concedeix o com s'hagi formalitzat pot marcar una difer\u00e8ncia important a efectes fiscals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, abans d'assumir que un pr\u00e9stec personal no t\u00e9 cap repercussi\u00f3 a Hisenda, conv\u00e9 revisar en quins casos s\u00ed que pot afectar, quins errors s\u00f3n m\u00e9s freq\u00fcents i quina documentaci\u00f3 et pot ajudar a evitar problemes en la declaraci\u00f3.<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Como_afecta_un_prestamo_personal_a_la_declaracion_de_la_renta\" >Com afecta un pr\u00e9stec personal a la declaraci\u00f3 de la renda<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#%C2%BFHay_que_declarar_un_prestamo_personal_en_Hacienda\" >Cal declarar un pr\u00e9stec personal a Hisenda?<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Por_que_un_prestamo_no_se_considera_ingreso_imponible\" >Per qu\u00e8 un pr\u00e9stec no es considera ingr\u00e9s imposable<\/a><\/li><\/ul><\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Que_prestamos_personales_pueden_desgravar_en_Hacienda\" >Quines n\u00f2mines es poden deduir a Hisenda<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#1_Prestamos_personales_para_autonomos\" >1. Pr\u00e9stecs personals per a aut\u00f2noms<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#2_Prestamos_para_estudios\" >2. Pr\u00e9stecs per a estudis<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#3_Prestamos_para_reforma_de_vivienda\" >3. Pr\u00e9stecs per a la reforma d'habitatge<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#4_Hipotecas_para_vivienda_habitual\" >4. Hipoteques per a habitatge habitual<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Cuanto_desgrava_un_prestamo_personal_en_la_renta\" >Quant desgrava un pr\u00e9stec personal a la renda<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Que_gastos_e_intereses_se_pueden_deducir\" >Quines despeses i interessos es poden deduir<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Limites_de_deduccion_aplicables\" >L\u00edmites de deducci\u00f3 aplicables<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Casos_en_los_que_si_compensa_incluirlo\" >Casos en qu\u00e8 s\u00ed que compensa incloure-ho<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Como_declarar_un_prestamo_personal_en_el_IRPF\" >Com declarar un pr\u00e9stec personal a l'IRPF<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Donde_incluirlo_en_la_declaracion\" >On incloure-ho a la declaraci\u00f3<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Que_documentacion_conviene_conservar\" >Quina documentaci\u00f3 conv\u00e9 conservar<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Que_revisa_Hacienda\" >Qu\u00e9 revisa Hacienda<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Prestamos_entre_particulares_y_fiscalidad\" >Pr\u00e9stecs entre particulars i fiscalitat<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Diferencias_entre_prestamo_personal_y_prestamo_entre_familiares\" >Difer\u00e8ncies entre un pr\u00e9stec personal i un pr\u00e9stec entre familiars<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Cuando_puede_considerarse_una_donacion\" >Cu\u00e1ndo puede considerarse una donaci\u00f3n<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Como_declarar_un_prestamo_entre_particulares\" >Com declarar un pr\u00e9stec entre particulars<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Que_es_el_modelo_600\" >Qu\u00e9 es el modelo 600<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Cuando_hay_que_presentarlo\" >Quan s'ha de presentar<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Que_documentacion_necesitas\" >Quina documentaci\u00f3 necessites<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Como_tributa_un_prestamo_entre_particulares_con_intereses\" >Com tributa un pr\u00e9stec entre particulars amb interessos<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Tributacion_en_el_IRPF_del_prestamista\" >Tributaci\u00f3 en l'IRPF del prestador<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Tipos_impositivos_aplicables\" >Tipus impositius aplicables<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Como_tributa_un_prestamo_entre_particulares_sin_intereses\" >Com tributa un pr\u00e9stec entre particulars sense interessos<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Obligaciones_fiscales_del_prestatario\" >Obligacions fiscals del prestatari<\/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\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Que_pasa_si_no_se_formaliza_correctamente\" >Qu\u00e8 passa si no es formalitza correctament<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Cuanto_dinero_se_puede_transferir_a_un_familiar_sin_declarar\" >Quant diners es pot transferir a un familiar sense declarar<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Limites_de_control_de_Hacienda\" >L\u00edmits de control d'Hisenda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Cuando_Hacienda_puede_pedir_explicaciones\" >Quan Hisenda pot demanar explicacions<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Como_justificar_la_devolucion_de_un_prestamo_entre_particulares\" >Com justificar la devoluci\u00f3 d'un pr\u00e9stec entre particulars<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Documento_de_devolucion_firmado\" >Document de devoluci\u00f3 signat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Justificantes_bancarios_recomendables\" >Justificants bancaris recomanables<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Preguntas_frecuentes_sobre_prestamos_y_declaracion_de_la_renta\" >Preguntes freq\u00fcents sobre pr\u00e9stecs i declaraci\u00f3 de la renda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Que_hacer_si_necesitas_financiacion_rapida_sin_complicaciones_fiscales\" >Qu\u00e8 fer si necessites finan\u00e7ament r\u00e0pid sense complicacions fiscals<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Cuando_encaja_un_prestamo_rapido_online\" >Cu\u00e1ndo encaja un pr\u00e9stamo r\u00e1pido online<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#Resumen_rapido_cuando_desgrava_un_prestamo_personal\" >Quan dedueix un pr\u00e9stec personal<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\/#%C2%BFNecesitas_un_Prestamo_Rapido\" >Necessites un Pr\u00e9stec R\u00e0pid?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_afecta_un_prestamo_personal_a_la_declaracion_de_la_renta\"><\/span><strong>Com afecta un pr\u00e9stec personal a la declaraci\u00f3 de la renda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un pr\u00e9stec personal afecta a la renda de forma indirecta. De fet, moltes persones que sol\u00b7liciten <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pr\u00e9stecs personals<\/strong><\/a> no tenen clar si han d'incloure aquests diners en la seva declaraci\u00f3. El capital que repes <strong>no tributa com a rendiment ni com a guany patrimonial<\/strong>, per\u00f2 els interessos i el dest\u00ed dels diners s\u00ed que poden tenir rellev\u00e0ncia fiscal en alguns casos. Dit d'una altra manera: <strong>no declares el pr\u00e9stec per rebre'l<\/strong>, sin\u00f3, en el seu cas, per l'\u00fas que li d\u00f3nes o per la rendibilitat que generi per a qui el presta.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFHay_que_declarar_un_prestamo_personal_en_Hacienda\"><\/span>Cal declarar un pr\u00e9stec personal a Hisenda?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En l'IRPF del prestatari, el habitual \u00e9s que <strong>no s'hagi de declarar l'import rebut<\/strong> Com s'ingressa. On s\u00ed pot haver obligacions formals \u00e9s en els pr\u00e9stecs entre particulars, perqu\u00e8 solen documentar-se i autoliquidar-se en ITPAJD, encara que estiguin exempts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Por_que_un_prestamo_no_se_considera_ingreso_imponible\"><\/span>Per qu\u00e8 un pr\u00e9stec no es considera ingr\u00e9s imposable<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La clau \u00e9s que els diners no incrementen el teu patrimoni de manera definitiva: els reps avui, per\u00f2 dem\u00e0 els has de tornar. Per aix\u00f2 Hisenda no els tracta com a rendes. El problema apareix quan aquesta operaci\u00f3 no est\u00e0 ben documentada i sembla un lliurament de diners sense devoluci\u00f3 real, perqu\u00e8 llavors s\u00ed que es pot discutir la seva veritable naturalesa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_prestamos_personales_pueden_desgravar_en_Hacienda\"><\/span><strong>Quines n\u00f2mines es poden deduir a Hisenda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aqu\u00ed hi ha el mat\u00eds important per a la intenci\u00f3 de cerca: <strong>no desgrava el pr\u00e9stec per si sol<\/strong>, sin\u00f3 algunes despeses o interessos associats a determinats sup\u00f2sits concrets. A Espanya no existeix una deducci\u00f3 general per contractar un pr\u00e9stec personal de consum.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Prestamos_personales_para_autonomos\"><\/span>1. Pr\u00e9stecs personals per a aut\u00f2noms<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si ets aut\u00f2nom i el pr\u00e9stec finan\u00e7a la teva activitat, els interessos i certes despeses financeres poden ser dedu\u00efbles sempre que estiguin <strong>vinculats a l'activitat<\/strong>, correctament <strong>registrats<\/strong> i <strong>justificats<\/strong>. L'AEAT inclou les despeses financeres dins les despeses fiscalment dedu\u00efbles en estimaci\u00f3 directa, amb els l\u00edmits que corresponguin.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Prestamos_para_estudios\"><\/span>2. Pr\u00e9stecs per a estudis<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En general, un pr\u00e9stec per estudiar <strong>no dona dret per si sol<\/strong> a una deducci\u00f3 estatal general en l'IRPF. Tot i aix\u00ed, s\u00ed que existeixen deduccions auton\u00f2miques molt concretes: per exemple, la Comunitat de Madrid preveu una deducci\u00f3 per interessos de pr\u00e9stecs per a estudis universitaris i Catalunya preveu una deducci\u00f3 per interessos de pr\u00e9stecs per a m\u00e0ster i doctorat en els sup\u00f2sits regulats per la seva normativa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Prestamos_para_reforma_de_vivienda\"><\/span>3. Pr\u00e9stecs per a la reforma d'habitatge<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tampoc aqu\u00ed sol desgrabar el pr\u00e9stec com a tal. El que pot generar deducci\u00f3 s\u00f3n determinats <strong>obres<\/strong> si compleixen requisits legals, com algunes deduccions per millora d'efici\u00e8ncia energ\u00e8tica o deduccions auton\u00f2miques per rehabilitaci\u00f3. \u00c9s a dir, el focus fiscal sol estar en la inversi\u00f3 realitzada i no en el finan\u00e7ament que la paga.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Hipotecas_para_vivienda_habitual\"><\/span>4. Hipoteques per a habitatge habitual<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La hipoteca d\u2019habitatge habitual mereix un cap\u00edtol a part. La deducci\u00f3 estatal per inversi\u00f3 en habitatge habitual es va suprimir des de l\u20191 de gener de 2013, per\u00f2 es mant\u00e9 un <strong>r\u00e8gim transitori<\/strong> per a aquells que ja tenien dret abans d'aquesta data i compleixen els requisits. En aquests casos, continuen sent dedu\u00efbles les quantitats satisfetes amb el l\u00edmit general de 9.040 euros anuals, incloent amortitzaci\u00f3 i interessos en els termes previstos per l'AEAT.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cuanto_desgrava_un_prestamo_personal_en_la_renta\"><\/span><strong>Quant desgrava un pr\u00e9stec personal a la renda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No hi ha una xifra \u00fanica, perqu\u00e8 dep\u00e8n del tipus d'operaci\u00f3. En un pr\u00e9stec personal normal per a consum, l'habitual \u00e9s que <strong>no desgrafeu res<\/strong>. En canvi, si parlem d'aut\u00f2noms, hipoteca amb r\u00e8gim transitori o deduccions auton\u00f2miques concretes, la quantia dependr\u00e0 dels interessos pagats, del l\u00edmit legal i del territori on resideixis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_gastos_e_intereses_se_pueden_deducir\"><\/span>Quines despeses i interessos es poden deduir<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Els m\u00e9s clars s\u00f3n els <strong>interessos i despeses financeres<\/strong> afectes a una activitat econ\u00f2mica. En habitatge habitual amb r\u00e8gim transitori, la base pot incloure amortitzaci\u00f3, interessos i altres despeses vinculats al finan\u00e7ament hipotecari en els termes que marca la norma. En estudis o reformes, cal mirar si existeix una deducci\u00f3 auton\u00f2mica o temporal aplicable i quins conceptes admet exactament.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Limites_de_deduccion_aplicables\"><\/span>L\u00edmites de deducci\u00f3 aplicables<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El l\u00edmit m\u00e9s conegut \u00e9s el d'habitatge habitual en r\u00e8gim transitori: fins a <strong>9.040 euros anuals<\/strong> De base dedu\u00efble, amb un l\u00edmit independent superior per a certes obres d'adequaci\u00f3 per discapacitat. En aut\u00f2noms, la dedu\u00efbilitat exigeix afectaci\u00f3, justificaci\u00f3 i registre, i les despeses financeres estan subjectes a les regles fiscals aplicables.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Casos_en_los_que_si_compensa_incluirlo\"><\/span>Casos en qu\u00e8 s\u00ed que compensa incloure-ho<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Val la pena revisar-ho si ets aut\u00f2nom, si est\u00e0s dins del r\u00e8gim transitori d'habitatge habitual o si resideixes en una comunitat amb deduccions espec\u00edfiques per estudis o rehabilitaci\u00f3. En aquests casos, no incloure-ho b\u00e9 pot fer-te perdre un avantatge fiscal real.<\/p>\n\n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container\"><div class=\"av-itd-content-column\"><h2><span class=\"ez-toc-section\" id=\"Como_declarar_un_prestamo_personal_en_el_IRPF\"><\/span><strong>Com declarar un pr\u00e9stec personal a l'IRPF<\/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\">La majoria dels pr\u00e9stecs personals no es \u201cdeclara\u201d com a tals a l'IRPF del prestatari. El que es reflecteix, si escau, s\u00f3n els <strong>interessos dedu\u00efbles<\/strong> o, en el costat contrari, els <strong>interessos cobrats<\/strong> per qui presta els diners.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/12\/prestamo-desgrava-renta.jpg\" alt=\"\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Donde_incluirlo_en_la_declaracion\"><\/span>On incloure-ho a la declaraci\u00f3<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si el pr\u00e9stec finan\u00e7a una activitat econ\u00f2mica, els interessos dedu\u00efbles s'integren com a despesa d'aquesta activitat. Si ets el prestador i cobres interessos, aquests imports tributen com a rendiments del capital mobiliari, normalment en la base de l'estalvi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_documentacion_conviene_conservar\"><\/span>Quina documentaci\u00f3 conv\u00e9 conservar<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Conv\u00e9 guardar el contracte, justificant de transfer\u00e8ncies, quadre de pagaments, rebuts d'interessos i qualsevol prova del dest\u00ed dels diners. Aquesta documentaci\u00f3 \u00e9s la que permet acreditar que hi va haver un pr\u00e9stec real i, si escau, que la despesa estava afecte o donava dret a una deducci\u00f3. Aquesta exig\u00e8ncia de justificaci\u00f3 documental apareix de forma clara en l'AEAT per a despeses dedu\u00efbles i per a deduccions espec\u00edfiques com les d'estudis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_revisa_Hacienda\"><\/span>Qu\u00e9 revisa Hacienda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En la pr\u00e0ctica, Hisenda sol fixar-se en tres coses: que els diners van sortir i van tornar realment, que existeixi coher\u00e8ncia entre contracte i moviments bancaris, i que el dest\u00ed del pr\u00e9stec encaixi amb la deducci\u00f3 aplicada. Quan falta aquesta tra\u00e7abilitat, creix el risc de regularitzaci\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prestamos_entre_particulares_y_fiscalidad\"><\/span><strong>Pr\u00e9stecs entre particulars i fiscalitat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Els <strong>pr\u00e9stecs entre particulars<\/strong> s\u00f3n habituals entre familiars, parelles o amics, per\u00f2 s\u00f3n tamb\u00e9 els que m\u00e9s problemes generen quan es fan \u201cde paraula\u201d. Fiscalment, no n'hi ha prou a dir que \u00e9s un pr\u00e9stec: conv\u00e9 poder provar-ho.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Diferencias_entre_prestamo_personal_y_prestamo_entre_familiares\"><\/span>Difer\u00e8ncies entre un pr\u00e9stec personal i un pr\u00e9stec entre familiars<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Amb un banc, el contracte i l'operativa ja deixen rastre. En canvi, entre familiars cal extremar la formalitzaci\u00f3, perqu\u00e8 Hisenda pot q\u00fcestionar si realment existeix obligaci\u00f3 de tornar els diners. El pr\u00e9stec entre particulars est\u00e0 subjecte a TPO per\u00f2 exempt, i per aix\u00f2 sol documentar-se mitjan\u00e7ant autoliquidaci\u00f3 formal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cuando_puede_considerarse_una_donacion\"><\/span>Cu\u00e1ndo puede considerarse una donaci\u00f3n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pot haver risc que s'interpreti com a donaci\u00f3 quan no hi ha contracte, no hi ha calendari de devoluci\u00f3, no es paguen els imports pactats o no queda rastre bancari suficient. Si l'operaci\u00f3 es reinterpreta com a donaci\u00f3, ja no parlem de pr\u00e9stec, sin\u00f3 de l'Impost sobre <strong>Successions i Donacions<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_declarar_un_prestamo_entre_particulares\"><\/span><strong>Com declarar un pr\u00e9stec entre particulars<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La manera m\u00e9s segura \u00e9s deixar-ho per escrit des del principi. No cal complicar-ho, per\u00f2 s\u00ed recollir import, data, parts, termini de devoluci\u00f3, interessos si n'hi ha i forma de pagament.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_es_el_modelo_600\"><\/span>Qu\u00e9 es el modelo 600<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ell <a href=\"https:\/\/sede.agenciatributaria.gob.es\/static_files\/Sede\/Procedimiento_ayuda\/GC12\/600\/mod600e.pdf?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>model 600<\/strong><\/a> \u00e9s el impr\u00e8s utilitzat per a autoliquidar operacions de l'ITPAJD. En mat\u00e8ria de pr\u00e9stecs entre particulars, serveix per formalitzar una operaci\u00f3 que est\u00e0 subjecta a TPO encara que, per l'exempci\u00f3 legal dels pr\u00e9stecs, normalment no generi quota a pagar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cuando_hay_que_presentarlo\"><\/span>Quan s'ha de presentar<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La refer\u00e8ncia oficial del model 600 fixa, amb car\u00e0cter general, un termini de <strong>30 dies h\u00e0bils<\/strong> des que es celebra l'acte o contracte. A m\u00e9s, la pr\u00f2pia AEAT recorda que, quan el rendiment estigui cedit a una comunitat aut\u00f2noma, la presentaci\u00f3 correspon a l'oficina competent d'aquesta comunitat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_documentacion_necesitas\"><\/span>Quina documentaci\u00f3 necessites<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Normalment, s'aporta contracte signat, identificaci\u00f3 de les parts i justificant del mitj\u00e0 de pagament. Si hi ha interessos, conv\u00e9 que el contracte ho reflecteixi amb claredat; si no n'hi ha, tamb\u00e9 s'ha d'indicar expressament.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_tributa_un_prestamo_entre_particulares_con_intereses\"><\/span><strong>Com tributa un pr\u00e9stec entre particulars amb interessos<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quan el pr\u00e9stec porta interessos, la fiscalitat canvia per al prestador. El prestatari continua sense declarar com a ingr\u00e9s els diners rebuts, per\u00f2 qui cobra interessos s\u00ed obt\u00e9 un rendiment subjecte a IRPF.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tributacion_en_el_IRPF_del_prestamista\"><\/span>Tributaci\u00f3 en l'IRPF del prestador<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Els interessos cobrats per prestar diners a un tercer s'integren com a rendiments del capital mobiliari. Per aix\u00f2, si un familiar et presta diners amb inter\u00e8s, tu no tributes per rebre el capital, per\u00f2 aquesta persona s\u00ed ha de declarar els interessos percebuts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tipos_impositivos_aplicables\"><\/span>Tipus impositius aplicables<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En la renda 2025, la base de l'estalvi es grava per trams del <strong>19% a 30%<\/strong>. Aquest \u00e9s el marc en el qual, amb car\u00e0cter general, tributen els interessos cobrats pel prestador resident.<\/p>\n\n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container av-image-left\"><div class=\"av-itd-content-column\"><h2><span class=\"ez-toc-section\" id=\"Como_tributa_un_prestamo_entre_particulares_sin_intereses\"><\/span><strong>Com tributa un pr\u00e9stec entre particulars sense interessos<\/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\">Un pr\u00e9stec sense interessos pot ser v\u00e0lid, per\u00f2 ha d'estar especialment ben documentat. L'AEAT recorda que les prestacions susceptibles de generar rendiments del capital mobiliari es presumpten retribu\u00efdes llevat de prova en contra.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/12\/prestamo-personal-desgrava-renta.jpg\" alt=\"\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Obligaciones_fiscales_del_prestatario\"><\/span>Obligacions fiscals del prestatari<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Per a qui rep els diners, l'obligaci\u00f3 principal no sol estar en l'IRPF, sin\u00f3 en <strong>poder provar<\/strong> que es tracta d'un pr\u00e9stec real i no d'una donaci\u00f3 encoberta. Aqu\u00ed \u00e9s on cobren import\u00e0ncia el contracte i la presentaci\u00f3 formal corresponent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_pasa_si_no_se_formaliza_correctamente\"><\/span>Qu\u00e8 passa si no es formalitza correctament<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si no es formalitza b\u00e9, el risc no \u00e9s \u201cpagar m\u00e9s renda\u201d pel pr\u00e9stec, sin\u00f3 que Hisenda discuteixi l'operaci\u00f3 i exigeixi tributar-la per una altra via. A m\u00e9s, si no pots desvirtuar la gratu\u00eftat o la naturalesa del pr\u00e9stec, l'expedient es complica molt m\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cuanto_dinero_se_puede_transferir_a_un_familiar_sin_declarar\"><\/span><strong>Quant diners es pot transferir a un familiar sense declarar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No hi ha un \u201c<strong>l\u00edmit m\u00e0gic<\/strong>\u201dde transfer\u00e8ncia banc\u00e0ria entre familiars a partir del qual hagis de declarar nom\u00e9s per moure diners. L'important no \u00e9s tant la quantia com <strong>Qu\u00e8 representa aquesta transfer\u00e8ncia<\/strong>: pr\u00e9stec, donaci\u00f3, devoluci\u00f3 o pagament. La pr\u00f2pia AEAT aclareix que les transfer\u00e8ncies banc\u00e0ries no s'han de declarar per superar els 10.000 euros.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Limites_de_control_de_Hacienda\"><\/span>L\u00edmits de control d'Hisenda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El que s\u00ed que existeixen s\u00f3n controls i obligacions d'informaci\u00f3 en determinats sup\u00f2sits. Per exemple, en mat\u00e8ria de <strong>mitjans de pagament en efectiu<\/strong> per territori nacional, la norma preveu una declaraci\u00f3 a partir de 100.000 euros, per\u00f2 aix\u00f2 no equival a una transfer\u00e8ncia banc\u00e0ria ordin\u00e0ria.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cuando_Hacienda_puede_pedir_explicaciones\"><\/span>Quan Hisenda pot demanar explicacions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pots demanar-les quan detectis moviments rellevants sense causa clara, incoher\u00e8ncies entre ingressos i patrimoni, o entrades de diners repetides que no encaixin amb les teves rendes declarades. Si l'origen est\u00e0 ben documentat, el problema sol reduir-se molt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_justificar_la_devolucion_de_un_prestamo_entre_particulares\"><\/span><strong>Com justificar la devoluci\u00f3 d'un pr\u00e9stec entre particulars<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La devoluci\u00f3 ha de poder reconstruir-se amb papers i moviments. Com m\u00e9s senzill i tra\u00e7able sigui tot, millor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documento_de_devolucion_firmado\"><\/span>Document de devoluci\u00f3 signat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Es recomanable signar un rebut o document de cancel\u00b7laci\u00f3 quan el pr\u00e9stec s'hagi retornat per complet. No sempre ser\u00e0 obligatori, per\u00f2 s\u00ed \u00fatil com a prova addicional.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Justificantes_bancarios_recomendables\"><\/span>Justificants bancaris recomanables<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L'ideal \u00e9s retornar per transfer\u00e8ncia, amb conceptes clars com \u201cdevoluci\u00f3 pr\u00e9stec\u201d o \u201cquota pr\u00e9stec familiar\u201d. Aix\u00ed s'enllacen contracte, calendari i moviments bancaris sense deixar forats.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes_sobre_prestamos_y_declaracion_de_la_renta\"><\/span><strong>Preguntes freq\u00fcents sobre pr\u00e9stecs i declaraci\u00f3 de la renda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1776411387884\"><strong class=\"schema-faq-question\"><strong>Tots els pr\u00e9stecs personals desgraven?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. La regla general \u00e9s que <strong>no<\/strong>. Nom\u00e9s alguns interessos o despeses concrets poden tenir efecte fiscal en sup\u00f2sits determinats.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776411397551\"><strong class=\"schema-faq-question\"><strong>Cal declarar un pr\u00e9stec familiar?<\/strong><\/strong> <p class=\"schema-faq-answer\">No com a ingr\u00e9s en l'IRPF del que el rep, per\u00f2 s\u00ed conv\u00e9 formalitzar-lo i, si escau, presentar el model corresponent per deixar const\u00e0ncia de l'operaci\u00f3.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776411411668\"><strong class=\"schema-faq-question\"><strong>\u00bfQu\u00e9 pasa si no presento el modelo 600?<\/strong><\/strong> <p class=\"schema-faq-answer\">Augmenta el risc que l'operaci\u00f3 quedi mal justificada si Hisenda revisa el moviment. A m\u00e9s, perds una prova formal molt \u00fatil per acreditar que era un pr\u00e9stec i no una altra cosa.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776411424415\"><strong class=\"schema-faq-question\"><strong>L'Ag\u00e8ncia Tribut\u00e0ria pot considerar una donaci\u00f3 un pr\u00e9stec?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed, si els fets no encaixen amb un pr\u00e9stec real: abs\u00e8ncia de contracte, falta de devolucions o nul\u00b7la tra\u00e7abilitat. En aquest cas l'operaci\u00f3 pot acabar en el terreny de l'Impost sobre Successions i Donacions.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_hacer_si_necesitas_financiacion_rapida_sin_complicaciones_fiscales\"><\/span><strong>Qu\u00e8 fer si necessites finan\u00e7ament r\u00e0pid sense complicacions fiscals<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La part fiscal no hauria de frenar-te si el que necessites \u00e9s una soluci\u00f3 clara, amb contracte, import, termini i condicions ben definits. Si est\u00e0s valorant diferents opcions de finan\u00e7ament, pots comparar diferents tipus de <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pr\u00e9stecs<\/strong><\/a> segons l'import que necessitis, el termini de devoluci\u00f3 i l'\u00fas que far\u00e0s dels diners. Com m\u00e9s transparent sigui el finan\u00e7ament, m\u00e9s f\u00e0cil ser\u00e0 entendre despr\u00e9s el seu encaix tributari i evitar dubtes en el futur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cuando_encaja_un_prestamo_rapido_online\"><\/span>Cu\u00e1ndo encaja un pr\u00e9stamo r\u00e1pido online<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un pr\u00e9stec r\u00e0pid en l\u00ednia pot ser una bona opci\u00f3 quan necessites liquiditat puntual, vols una operativa senzilla i busques documentaci\u00f3 clara des del principi. Si est\u00e0s valorant aquesta via, pots revisar opcions de <strong><a href=\"https:\/\/www.avafin.es\/ca\/credits\/urgents-en-linia\/\" target=\"_blank\" rel=\"noreferrer noopener\">cr\u00e8dits urgents online<\/a> <\/strong>per comparar un finan\u00e7ament \u00e0gil i ben documentat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Resumen_rapido_cuando_desgrava_un_prestamo_personal\"><\/span><strong>Quan dedueix un pr\u00e9stec personal<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En la majoria dels casos, <strong>un pr\u00e9stec personal no desgrava a la renda<\/strong>. Aix\u00ed i tot, hi ha excepcions en qu\u00e8 determinats interessos o despeses s\u00ed que poden tenir rellev\u00e0ncia fiscal, sobretot quan els diners es destinen a una activitat econ\u00f2mica, a certs sup\u00f2sits vinculats a vivenda habitual o a situacions concretes regulades per la normativa. Si a m\u00e9s es tracta d'un pr\u00e9stec entre particulars, \u00e9s fonamental deixar const\u00e0ncia per escrit i poder justificar tant el lliurament dels diners com la seva devoluci\u00f3 per evitar problemes amb Hisenda.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"%C2%BFNecesitas_un_Prestamo_Rapido\"><\/span>Necessites un Pr\u00e9stec R\u00e0pid?<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>Prestamo personal desgrava renta es una de las dudas m\u00e1s habituales cuando llega la campa\u00f1a del IRPF, sobre todo entre quienes han pedido financiaci\u00f3n durante el a\u00f1o y no tienen claro si eso puede influir en su declaraci\u00f3n. Aunque muchas personas dan por hecho una respuesta r\u00e1pida, lo cierto es que no siempre conviene quedarse [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":4972,"comment_status":"open","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":[22,23,21],"tags":[],"class_list":["post-4971","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ahorro","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>\u00bfUn pr\u00e9stamo personal desgrava en la declaraci\u00f3n de la renta? 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Tambi\u00e9n resolvemos dudas de los pr\u00e9stamos entre particulares.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Inicio\",\"item\":\"https:\\\/\\\/www.avafin.es\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Educaci\u00f3 financera\",\"item\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/bloc\\\/educacio-financera\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"\u00bfUn pr\u00e9stamo personal desgrava en la declaraci\u00f3n de la renta?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#website\",\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/\",\"name\":\"AvaFin 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\\\/dfcbcd68c6560ce5045e2e9ad2b802e5\",\"name\":\"Daniel Escudero\",\"pronouns\":\"\u00c9l\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-Daniel-Escudero-Avafin-96x96.png\",\"url\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-Daniel-Escudero-Avafin-96x96.png\",\"contentUrl\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-Daniel-Escudero-Avafin-96x96.png\",\"caption\":\"Daniel Escudero\"},\"description\":\"Daniel Escudero es director de marketing de AvaFin Espa\u00f1a, con m\u00e1s de 13 a\u00f1os de experiencia en marketing y 8 a\u00f1os especializados en el sector financiero. En AvaFin lidera la estrategia de marketing y la inclusi\u00f3n financiera, pr\u00e9stamos r\u00e1pidos y educaci\u00f3n sobre productos crediticios para personas con dificultades de acceso a la banca tradicional.\",\"sameAs\":[\"http:\\\/\\\/www.avafin.es\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/daniel-escudero-1a66b8b8\\\/?skipRedirect=true\"],\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/author\\\/daniel\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta#faq-question-1776411387884\",\"position\":1,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta#faq-question-1776411387884\",\"name\":\"\u00bfTodos los pr\u00e9stamos personales desgravan?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. La regla general es que <strong>no<\\\/strong>. Solo algunos intereses o gastos concretos pueden tener efecto fiscal en supuestos determinados.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta#faq-question-1776411397551\",\"position\":2,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta#faq-question-1776411397551\",\"name\":\"\u00bfHay que declarar un pr\u00e9stamo familiar?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No como ingreso en el IRPF del que lo recibe, pero s\u00ed conviene formalizarlo y, en su caso, presentar el modelo correspondiente para dejar constancia de la operaci\u00f3n.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta#faq-question-1776411411668\",\"position\":3,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta#faq-question-1776411411668\",\"name\":\"\u00bfQu\u00e9 pasa si no presento el modelo 600?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Aumenta el riesgo de que la operaci\u00f3n quede mal justificada si Hacienda revisa el movimiento. 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Tambi\u00e9n resolvemos dudas de los pr\u00e9stamos entre particulares."},{"@type":"BreadcrumbList","@id":"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Inicio","item":"https:\/\/www.avafin.es\/"},{"@type":"ListItem","position":2,"name":"Educaci\u00f3 financera","item":"https:\/\/www.avafin.es\/ca\/bloc\/educacio-financera"},{"@type":"ListItem","position":3,"name":"\u00bfUn pr\u00e9stamo personal desgrava en la declaraci\u00f3n de la renta?"}]},{"@type":"WebSite","@id":"https:\/\/www.avafin.es\/ca\/#website","url":"https:\/\/www.avafin.es\/ca\/","name":"AvaFin Espanya","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\/dfcbcd68c6560ce5045e2e9ad2b802e5","name":"Daniel Escudero","pronouns":"\u00c9l","image":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/cropped-Daniel-Escudero-Avafin-96x96.png","url":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/cropped-Daniel-Escudero-Avafin-96x96.png","contentUrl":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/cropped-Daniel-Escudero-Avafin-96x96.png","caption":"Daniel Escudero"},"description":"Daniel Escudero es director de marketing de AvaFin Espa\u00f1a, con m\u00e1s de 13 a\u00f1os de experiencia en marketing y 8 a\u00f1os especializados en el sector financiero. En AvaFin lidera la estrategia de marketing y la inclusi\u00f3n financiera, pr\u00e9stamos r\u00e1pidos y educaci\u00f3n sobre productos crediticios para personas con dificultades de acceso a la banca tradicional.","sameAs":["http:\/\/www.avafin.es","https:\/\/www.linkedin.com\/in\/daniel-escudero-1a66b8b8\/?skipRedirect=true"],"url":"https:\/\/www.avafin.es\/ca\/blog\/author\/daniel"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta#faq-question-1776411387884","position":1,"url":"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta#faq-question-1776411387884","name":"Tots els pr\u00e9stecs personals desgraven?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. La regla general es que <strong>no<\/strong>. Solo algunos intereses o gastos concretos pueden tener efecto fiscal en supuestos determinados.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta#faq-question-1776411397551","position":2,"url":"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta#faq-question-1776411397551","name":"Cal declarar un pr\u00e9stec familiar?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No como ingreso en el IRPF del que lo recibe, pero s\u00ed conviene formalizarlo y, en su caso, presentar el modelo correspondiente para dejar constancia de la operaci\u00f3n.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta#faq-question-1776411411668","position":3,"url":"https:\/\/www.avafin.es\/ca\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta#faq-question-1776411411668","name":"\u00bfQu\u00e9 pasa si no presento el modelo 600?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Aumenta el riesgo de que la operaci\u00f3n quede mal justificada si Hacienda revisa el movimiento. 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En ese caso la operaci\u00f3n puede terminar en el terreno del Impuesto sobre Sucesiones y Donaciones.","inLanguage":"ca"},"inLanguage":"ca"}]}},"jetpack_publicize_connections":[],"featured_media_link":"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/12\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta-768x512.jpg","category":{"color":"#010440","link":"https:\/\/www.avafin.es\/ca\/blog\/ahorro","text":"Ahorro"},"_links":{"self":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/4971","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/comments?post=4971"}],"version-history":[{"count":0,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/4971\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media\/4972"}],"wp:attachment":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media?parent=4971"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/categories?post=4971"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/tags?post=4971"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}