{"id":5560,"date":"2026-02-27T15:04:46","date_gmt":"2026-02-27T13:04:46","guid":{"rendered":"https:\/\/www.avafin.es\/?p=5560"},"modified":"2026-07-23T11:18:39","modified_gmt":"2026-07-23T09:18:39","slug":"estic-a-asnef-i-necessito-un-prestec","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo","title":{"rendered":"Estic a ASNEF i necessito un pr\u00e9stec: qu\u00e8 fer pas a pas"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Si has arribat fins aqu\u00ed pensant \u00abestic a ASNEF i necessito un pr\u00e9stec\u00bb, probablement est\u00e0s en un moment amb dificultats econ\u00f2miques i buscant opcions per superar aquest imp\u00e0s. En tenir aquesta necessitat econ\u00f2mica, pots arribar a sentir que totes les portes es tanquen en figurar en un registre de morositat. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sabem que \u00e9s una situaci\u00f3 frustrant, per\u00f2 \u00e9s important que mantinguis la calma i tinguis en compte aquestes dues coses:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Primer:<\/strong> la teva situaci\u00f3 t\u00e9 sortida. Estar a ASNEF no \u00e9s una condemna eterna, i hi ha diferents alternatives reals que pots utilitzar, encara que els bancs tradicionals t&#039;hagin dit que no.<\/li>\n\n\n\n<li><strong>Segon<\/strong>, i aix\u00f2 \u00e9s el m\u00e9s important: demanar un nou pr\u00e9stec no sempre \u00e9s la millor opci\u00f3. De vegades ho \u00e9s, per\u00f2 abans de prendre la decisi\u00f3 de prendre un nou pr\u00e9stec, \u00e9s convenient valorar altres vies que pot millorar la teva situaci\u00f3 a llarg termini en comptes d&#039;empitjorar-la.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En aquesta guia t&#039;expliquem qu\u00e8 fer pas a pas: com saber exactament quina \u00e9s la teva situaci\u00f3, quines alternatives hi ha abans d&#039;endeutar-te m\u00e9s, quan t\u00e9 sentit buscar finan\u00e7ament i quan no, com identificar un prestador segur i quins errors has d&#039;evitar. L&#039;objectiu d&#039;aquest article \u00e9s ajudar-vos a prendre la millor decisi\u00f3 segons la vostra situaci\u00f3 financera personal.<\/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\"><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndex<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #6a737c;color:#6a737c\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #6a737c;color:#6a737c\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo\/#Antes_de_nada_confirma_tu_situacion\" >Primer de tot: confirma la teva situaci\u00f3<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#%C2%BFEstas_seguro_que_figuras_en_ASNEF\" >Est\u00e0s segur que figures a ASNEF?<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Consulta_si_estas_en_ASNEF\" >Consulta si ets a ASNEF<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Identifica_el_tipo_de_origen_de_la_deuda\" >Identifica el tipus d&#039;origen del deute<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Calcula_cuanto_necesitas_realmente\" >Calcula quant necessites realment<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo\/#Alternativas_a_pedir_un_prestamo_la_opcion_que_la_mayoria_no_considera\" >Alternatives a demanar un pr\u00e9stec (l&#039;opci\u00f3 que la majoria no considera)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo\/#Conoce_las_condiciones_para_Prestamos_con_ASNEF\" >Coneix les condicions per a Pr\u00e9stecs amb ASNEF<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Pagar_la_deuda_original_si_es_viable\" >Pagar el deute original (si \u00e9s viable)<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Negociar_con_tu_acreedor_antes_de_buscar_dinero_nuevo\" >Negociar amb el teu creditor abans de buscar diners nous<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Ayudas_publicas_y_sociales\" >Ajuts p\u00fablics i socials<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Prestamos_entre_familiares_o_particulares\" >Pr\u00e9stecs entre familiars o particulars<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Por_escrito_el_importe\" >Per escrit l&#039;import<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Plazos_realistas\" >Terminis realistes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo\/#Importe_relevante\" >Import rellevant<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Cumple_con_el_acuerdo\" >Compleix l&#039;acord<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Reducir_gastos_puntuales_antes_que_endeudarse\" >Reduir despeses puntuals abans que endeutar-se<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Si_decides_pedir_un_prestamo_como_elegir_bien\" >Si decideixes demanar un pr\u00e9stec: com triar b\u00e9<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Consulta_las_condiciones_para_Prestamos_con_ASNEF\" >Consulta les condicions per a Pr\u00e9stecs amb ASNEF<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Checklist_de_prestamista_seguro\" >Checklist de prestador segur<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo\/#Senales_de_alerta_de_fraude\" >Senyals d&#039;alerta de frau<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo\/#Como_comparar_ofertas_con_criterio\" >Com comparar ofertes amb criteri<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo\/#Que_hacer_si_no_puedes_devolver_el_prestamo\" >Qu\u00e8 fer si no pots tornar 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-23\" href=\"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo\/#Contactar_con_el_prestamista_antes_de_la_fecha_de_vencimiento\" >Contactar amb el prestador abans de la data de venciment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo\/#Prorroga_de_plazo\" >Pr\u00f2rroga de termini<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo\/#Pago_fracciona\" >Pagament fracciona<\/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\/estoy-en-asnef-y-necesito-un-prestamo\/#Refinanciacion\" >Refinan\u00e7ament<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo\/#Se_redefinen_las_condiciones_ya_que_las_condiciones_cambiaran_para_tu_prestamoimagen\" >Es redefineixen les condicions ja que les condicions canviaran pel teu pr\u00e9stecimatge<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo\/#Preguntas_frecuentes_sobre_ASNEF_y_prestamos\" >Preguntes freq\u00fcents sobre ASNEF i pr\u00e9stecs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo\/#%C2%A1Haz_la_Solicitud_de_tu_Prestamo_aunque_estes_en_ASNEF\" >Fes la Sol\u00b7licitud del teu Pr\u00e9stec encara que estiguis a ASNEF!<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Antes_de_nada_confirma_tu_situacion\"><\/span><strong>Primer de tot: confirma la teva situaci\u00f3<\/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\">Abans de buscar diners o pensar en alternatives que et puguin ajudar en aquesta situaci\u00f3, el primer \u00e9s dedicar uns minuts a entendre exactament on ets. La majoria de persones que es veuen en aquesta situaci\u00f3 prenen decisions r\u00e0pides que posteriorment compliquen encara m\u00e9s la situaci\u00f3 financera. Aquests s\u00f3n els tres passos previs imprescindibles que cal tenir en compte. <\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/antes-de-pedir-un-prestamo.jpg\" alt=\"\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFEstas_seguro_que_figuras_en_ASNEF\"><\/span>Est\u00e0s segur que figures a ASNEF?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Abans d&#039;assumir que ets a ASNEF, per haver-te denegat un pr\u00e9stec algun o diversos bancs, primer has de verificar de manera correcta. I al contrari tamb\u00e9 passa: n&#039;hi ha que figuren davant del registre ASNEF sense saber-ho, per petits deutes que pensaven que estaven resolts o dels que mai van rebre notificaci\u00f3 clara.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Abans de qualsevol pas, consulta la teva situaci\u00f3. Pots fer-ho directament i totalment gratu\u00eft a trav\u00e9s de <a href=\"https:\/\/soluciones.equifax.es\/consumidores\/\" target=\"_blank\" rel=\"noreferrer noopener\">EQUIFAX<\/a>, entitat que gestiona el fitxer ASNEF. Nom\u00e9s necessites el teu DNI o NIE i en alguns casos, una refer\u00e8ncia que l&#039;entitat creditora t&#039;hauria d&#039;haver enviat per escrit. <\/p>\n\n\n\n<section class=\"av-documents\" aria-label=\"llista de documents\">\n    <div class=\"av-documents_grid\">\n                                <a class=\"av-doc-card\" href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-saber-si-estic-a-asnef\/\">\n                <div class=\"av-doc-card_text\">\n                    <h3 class=\"av-doc-card_title\"><span class=\"ez-toc-section\" id=\"Consulta_si_estas_en_ASNEF\"><\/span>\n                        Consulta si ets a ASNEF                    <span class=\"ez-toc-section-end\"><\/span><\/h3>\n                    <p class=\"av-doc-card_subtitle\">\n                        T&#039;expliquem com ho pots saber                    <\/p>\n                <\/div>\n                <span class=\"av-doc-card_chevron\" aria-hidden=\"true\">\u203a<\/span>\n            <\/a>\n                        <\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\">Saber amb seguretat si figures o no \u00e9s el primer pas que sembla l\u00f2gic, per\u00f2 moltes vegades no fem. Si no ets al registre, moltes de les portes que creies tancades, estan en realitat obertes. De la mateixa manera, si est\u00e0s, sabr\u00e0s exactament amb quin deute bregar per poder tornar a la teva tranquil\u00b7litat financera. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Identifica_el_tipo_de_origen_de_la_deuda\"><\/span>Identifica el tipus d&#039;origen del deute<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No tots els deutes a ASNEF s\u00f3n iguals, i aquesta distinci\u00f3 importa molt pels teus passos seg\u00fcents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Els deutes amb companyies de telecomunicacions, (tel\u00e8fon, internet), subministraments (llum, aigua, gas) o serveis no financers solen ser m\u00e9s f\u00e0cils de negociar i menys penalitzats per algunes entitats especialitzades en finan\u00e7ament. En canvi, els deutes actius amb bancs o financers pesen m\u00e9s a l&#039;hora de buscar un cr\u00e8dit nou.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Identifica tamb\u00e9 l&#039;import exacte i la data en qu\u00e8 se t&#039;ha incl\u00f2s al fitxer. Un deute petit que es va produir fa tres anys, es gestiona diferent d&#039;un gran deute de fa tres mesos. Si el deute \u00e9s de fer m\u00e9s de cinc anys, probablement tens dret a sol\u00b7licitar la seva eliminaci\u00f3 per prescripci\u00f3 del registre, independentment de si el vas pagar o no. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Calcula_cuanto_necesitas_realmente\"><\/span>Calcula quant necessites realment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta pregunta sembla \u00f2bvia, per\u00f2 si tens una urg\u00e8ncia de diners, encara que no ho creguis, la majoria de persones solen demanar m\u00e9s del que necessiten. Per aquest motiu, et recomanem que siguis honest amb tu mateix:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>La despesa \u00e9s realment urgent?<\/strong> &nbsp;Una reparaci\u00f3 de cotxe imprescindible per anar a treballar, una avaria de caldera a l&#039;hivern, una factura sanit\u00e0ria urgent: s\u00ed que s\u00f3n urg\u00e8ncies.<\/li>\n\n\n\n<li>Renovar un electrodom\u00e8stic que encara funciona, avan\u00e7ar les vacances, comprar una mica de caprici: <strong>no ho s\u00f3n<\/strong>, per molt que se senti aix\u00ed en el moment.<\/li>\n\n\n\n<li><strong>Quin \u00e9s limport m\u00ednim viable? <\/strong>Si necessites 200\u20ac per a una reparaci\u00f3, no demanis 500\u20ac \u00abper si de cas\u00bb. Cada euro extra que demanis generar\u00e0 inter\u00e8s extra que haur\u00e0s de pagar.<\/li>\n\n\n\n<li><strong>Pots esperar? <\/strong>Si la despesa pot esperar 30-60 dies, en aquest temps pots intentar altres vies, com negociar, estalviar o reduir despeses. D&#039;aquesta manera podr\u00e0s evitar endeutar-te innecess\u00e0riament.<\/li>\n<\/ul>\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=\"Alternativas_a_pedir_un_prestamo_la_opcion_que_la_mayoria_no_considera\"><\/span><strong>Alternatives a demanar un pr\u00e9stec\u00a0<\/strong><br>(l&#039;opci\u00f3 que la majoria no considera)<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\">Aquesta \u00e9s probablement la secci\u00f3 m\u00e9s important daquest article. La majoria de persones en la teva situaci\u00f3 van directament a buscar un pr\u00e9stec sense valor altres opcions que hi ha; i \u00e9s comprensible: amb la pressi\u00f3 i la urg\u00e8ncia, anem a les entitats que m\u00e9s coneixem sense investigar a fons que altres opcions ens poden ajudar en aquests moments de pressi\u00f3. <\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/alternativas-a-pedir-un-prestamo.jpg\" alt=\"\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Recomanaci\u00f3<\/strong>: dedicar tan sols 30 minuts a estudiar quines alternatives que t&#039;expliquem a continuaci\u00f3 et pot estalviar centenars d&#039;euros i mesos de complicacions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"Conoce_las_condiciones_para_Prestamos_con_ASNEF\"><\/span><strong>Coneix les condicions per a Pr\u00e9stecs amb ASNEF<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Demana el teu pr\u00e9stec a AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pagar_la_deuda_original_si_es_viable\"><\/span>Pagar el deute original (si \u00e9s viable)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sona obvi, per\u00f2 val la pena considerar-ho seriosament: la millor manera de millorar la teva situaci\u00f3 financera a llarg termini no \u00e9s endeutar-te m\u00e9s, sin\u00f3 resoldre el deute o deutes que t&#039;han ficat a ASNEF en primer lloc.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si el deute \u00e9s petit (per sota de 300-500 \u20ac), valora\u00a0<a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-sortir-dasnef\/\" target=\"_blank\" rel=\"noreferrer noopener\">pagar el deute original<\/a>\u00a0abans de cercar nou cr\u00e8dit. D&#039;aquesta manera previndr\u00e0s tenir m\u00e9s comprom\u00e8s el teu salari a final de mes, tenint menys marge de maniobra i for\u00e7a limitacions en cas d&#039;emerg\u00e8ncia. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pots avan\u00e7ar n\u00f2mina, vendre una cosa que ja no fas servir, retallar certes despeses que es puguin durant un o dos mesos o demanar ajuda puntual a algun familiar. Qualsevol opci\u00f3 que et permeti pagar el deute original ser\u00e0 un gran aven\u00e7 per sortir d&#039;ASNEF, sense necessitat d&#039;afegir un nou deute a sobre. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un cop pagada, l&#039;entitat creditora t\u00e9 10 dies h\u00e0bils per notificar-ho a ASNEF, que t\u00e9 fins a un mes per eliminar les teves dades. I a partir d&#039;aqu\u00ed, podr\u00e0s accedir a cr\u00e8dits normals amb molta m\u00e9s facilitat i menys inter\u00e8s.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Negociar_con_tu_acreedor_antes_de_buscar_dinero_nuevo\"><\/span>Negociar amb el teu creditor abans de buscar diners nous<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La majoria d&#039;empreses, especialment les de telecomunicacions, subministraments i serveis, solen estar disposades a negociar condicions de pagament quan hi contactes. Hi sol haver diferents opcions de pagament:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagament del deute en diversos mesos<\/li>\n\n\n\n<li>Acceptar una quitaci\u00f3 (un descompte) a canvi del pagament immediat de la quantitat acordada<\/li>\n\n\n\n<li>Ampliar el termini de pagament sense penalitzaci\u00f3<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Saps com negociar amb els creditors?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">El primer \u00e9s contactar per escrit (email o carta certificada) perqu\u00e8 quedi registre i prova de la teva intenci\u00f3 de solucionar el teu deute. T&#039;has de dirigir al departament de recobraments o atenci\u00f3 al client, explicant la teva situaci\u00f3 amb honestedat, i sobretot proposant una soluci\u00f3 concreta (\u00abpuc pagar 50\u20ac al mes durant 6 mesos\u00bb) i demana confirmaci\u00f3 per escrit de qualsevol acord. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Important: <\/strong>no negoci\u00efs per tel\u00e8fon sense confirmaci\u00f3 posterior per escrit. El que prometen verbalment pot no quedar enregistrat.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ayudas_publicas_y_sociales\"><\/span>Ajuts p\u00fablics i socials<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hi ha\u00a0<a href=\"https:\/\/www.avafin.es\/ca\/?s=ayuda\">ajudes<\/a>\u00a0p\u00fabliques que moltes persones desconeixen. Depenent de la teva situaci\u00f3, pots tenir dret a:\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#1a1b39\" class=\"has-inline-color\">Prestaci\u00f3<\/mark><\/strong><\/th><th><strong>On sol\u00b7licitar-la<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Ingr\u00e9s m\u00ednim vital<\/td><td>Gestionat per la Seguretat Social, per a llars amb ingressos baixos<\/td><\/tr><tr><td>Prestaci\u00f3 per desocupaci\u00f3<\/td><td>Aquest subsidi podr\u00e0s tenir-lo si has treballat recentment i ara et trobes sense feina<\/td><\/tr><tr><td>Ajuts aut\u00f2noms i municipals<\/td><td>Fetes per a situacions d&#039;emerg\u00e8ncies com despeses b\u00e0siques, lloguer i subministraments<\/td><\/tr><tr><td>Serveis socials de l&#039;ajuntament<\/td><td>Els ajuntaments locals poden facilitar ajudes puntuals no monet\u00e0ries, com: aliments, subministraments o b\u00e0sics<\/td><\/tr><tr><td>Associacions<\/td><td><a href=\"https:\/\/www2.cruzroja.es\/\" target=\"_blank\" rel=\"noreferrer noopener\">Creu Roja<\/a>, <a href=\"https:\/\/www2.cruzroja.es\/\" target=\"_blank\" rel=\"noreferrer noopener\">C\u00e0ritas<\/a> o organitzacions locals amb programes dajuda econ\u00f2mica urgent.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">No totes aquestes s\u00f3n ajudes r\u00e0pides, per\u00f2 si la teva situaci\u00f3 \u00e9s de mitj\u00e0 o llarg termini, conv\u00e9 tramitar-les en paral\u00b7lel per obtenir qualsevol d&#039;aquestes solucions al m\u00e9s aviat possible. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prestamos_entre_familiares_o_particulares\"><\/span>Pr\u00e9stecs entre familiars o particulars<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Demanar diners prestats a un familiar o amic t\u00e9 avantatges clars com que no haur\u00e0s de pagar interessos o penalitzacions, igual que m\u00e9s flexibilitat. Per\u00f2 tamb\u00e9 t\u00e9 riscos importants i pot fer malb\u00e9 relacions familiars importants en cas que no es pugui tornar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si entens aix\u00f2 i decideixes anar per aquesta via, et recomanem fer-ho formalment encara que sigui amb alg\u00fa de confian\u00e7a:<\/p>\n\n\n<section id=\"cards-group-block_4fcadfbeb298c2d004cb796f801d0fca\" class=\"av-cards-group   av-cards-group-4 av-card-group-standard\" >\n            <div id=\"card-0\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <h3><span class=\"ez-toc-section\" id=\"Por_escrito_el_importe\"><\/span><p><strong>Per escrit l&#039;import<\/strong><\/p>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                                                <p><p>Igual que els terminis i condicions de decoluci\u00f3<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-1\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <h3><span class=\"ez-toc-section\" id=\"Plazos_realistas\"><\/span><p><strong>Terminis realistes<\/strong><\/p>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                                                <p><p>Promesa dels mesos en qu\u00e8 es pagar\u00e0 i aix\u00ed evitar el conflictes<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-2\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <h3><span class=\"ez-toc-section\" id=\"Importe_relevante\"><\/span><p><strong>Import rellevant<\/strong><\/p>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                                                <p><p>Si \u00e9s una quantitat important (m\u00e9s de 1.000\u20ac), considera signar un contracte de pr\u00e9stec entre particulars<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-3\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <h3><span class=\"ez-toc-section\" id=\"Cumple_con_el_acuerdo\"><\/span><p><strong>Compleix l&#039;acord<\/strong><\/p>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                                                <p><p>Compleix religiosament all\u00f2 acordat, encara que el creditor sigui flexible.<\/p>\n<\/p>\n                                    <\/div>\n    <\/section>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reducir_gastos_puntuales_antes_que_endeudarse\"><\/span>Reduir despeses puntuals abans que endeutar-se<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">De vegades, abans de demanar un pr\u00e9stec de 200 \u20ac, conv\u00e9 buscar 200 \u20ac d&#039;estalvi en all\u00f2 que ja gastes. No parlem de canviar la teva vida, sin\u00f3 de fer retallades puntuals durant un o dos mesos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Revisar subscripcions\u00a0<\/strong>(streaming, gimn\u00e0s, apps): solen sumar 30-80 \u20ac al mes que moltes vegades no fem servir\u00a0<\/li>\n\n\n\n<li><strong>Comparar i canviar contractes\u00a0<\/strong>de llum, gas i internet (solen estalviar-se 20-40 \u20ac al mes)\u00a0<\/li>\n\n\n\n<li><strong>Cuinar a casa\u00a0<\/strong>en lloc de dinar fora durant un mes (pot suposar 100-200 \u20ac de difer\u00e8ncia)\u00a0<\/li>\n\n\n\n<li><strong>Vendre\u00a0<\/strong>roba, llibres, electr\u00f2nica o mobles\u00a0<strong>que no uses\u00a0<\/strong>a Wallapop o Vinted\u00a0<\/li>\n\n\n\n<li><strong>Reduir transport:<\/strong>\u00a0caminar, bici o transport p\u00fablic en lloc de cotxe durant unes setmanes\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Encara que sembla dr\u00e0stic, no ho pensis com \u00abapretar-se el cintur\u00f3 per sempre\u00bb. Aquesta decisi\u00f3 t&#039;ajudar\u00e0 a cercar liquiditat sense endeutar-te.<\/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=\"Si_decides_pedir_un_prestamo_como_elegir_bien\"><\/span><strong>Si decideixes demanar un pr\u00e9stec:\u00a0<\/strong><br><strong>com triar b\u00e9<\/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\">Si despr\u00e9s de valorar les alternatives conclous que demanar un pr\u00e9stec \u00e9s la millor opci\u00f3 per a la teva situaci\u00f3, el pas seg\u00fcent \u00e9s triar l&#039;opci\u00f3 que m\u00e9s et convingui en la teva situaci\u00f3. Aqu\u00ed \u00e9s on la majoria de gent comet errors que despr\u00e9s es paguen cars. Aquests s\u00f3n els criteris objectius que cal aplicar.\u00a0<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/decidir-pedir-un-prestamo.jpg\" alt=\"\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"Consulta_las_condiciones_para_Prestamos_con_ASNEF\"><\/span><strong>Consulta les condicions per a Pr\u00e9stecs amb ASNEF<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Obtingues el teu pr\u00e9stec 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<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Checklist_de_prestamista_seguro\"><\/span>Checklist de prestador segur<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Abans d&#039;emplenar cap formulari, comproveu que l&#039;entitat compleix aquests punts. Si falla en algun, en busca una altra.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Empresa amb<strong>\u00a0domicili social verificable<\/strong>, no nom\u00e9s un email o WhatsApp<\/li>\n\n\n\n<li><strong>Inscrita al Registre Mercantil<\/strong> (pots verificar-ho gratis a la seva web oficial)<\/li>\n\n\n\n<li><strong>Condicions del pr\u00e9stec<\/strong>\u00a0visibles\u00a0<strong>ABANS de registrar-te<\/strong>\u00a0(TAE, import total a tornar, terminis)<\/li>\n\n\n\n<li>No us demana<strong>\u00a0cap pagament per avan\u00e7at<\/strong> (\u00abcomissi\u00f3 d&#039;estudi\u00bb, \u00abreserva\u00bb, \u00abimpost\u00bb):\u00a0<strong>aix\u00f2 sempre \u00e9s estafa<\/strong><\/li>\n\n\n\n<li><strong>T\u00e9 atenci\u00f3 al client\u00a0<\/strong>amb tel\u00e8fon fix i email corporatiu (no nom\u00e9s Gmail o WhatsApp)<\/li>\n\n\n\n<li>Pol\u00edtica de\u00a0<strong>protecci\u00f3 de dades\u00a0<\/strong>clara i accessible<\/li>\n\n\n\n<li><strong>Ressenyes reals\u00a0<\/strong>en plataformes independents (Trustpilot, Google Reviews), no nom\u00e9s testimonis a la seva pr\u00f2pia web<\/li>\n\n\n\n<li>No promet \u00abaprovaci\u00f3 garantida al 100%\u00bb (<strong>un prestador responsable estudia cada cas i de vegades denega<\/strong>)<\/li>\n\n\n\n<li><strong>Comunicaci\u00f3 professional<\/strong>: emails sense faltes d&#039;ortografia, web cuidada, atenci\u00f3 telef\u00f2nica formal\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Senales_de_alerta_de_fraude\"><\/span>Senyals d&#039;alerta de frau<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El sector dels pr\u00e9stecs r\u00e0pids atrau estafadors. Aquests s\u00f3n els senyals m\u00e9s comuns i has de fugir si en trobes qualsevol:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Et demanen fer una transfer\u00e8ncia\u00a0<\/strong>pr\u00e8via per a \u00abreservar\u00bb o \u00aballiberar\u00bb el pr\u00e9stec\u00a0<\/li>\n\n\n\n<li><strong>La comunicaci\u00f3 \u00e9s \u00fanicament per\u00a0<\/strong>WhatsApp, Telegram o xarxes socials, sense web oficial\u00a0<\/li>\n\n\n\n<li>Les\u00a0<strong>condicions del pr\u00e9stec\u00a0<\/strong>nom\u00e9s te les mostren\u00a0<strong>despr\u00e9s de donar-los les teves dades completes<\/strong>\u00a0<\/li>\n\n\n\n<li><strong>Pressi\u00f3 psicol\u00f2gica:<\/strong> \u00ab&quot;oferta nom\u00e9s v\u00e0lida avui&quot;, &quot;\u00faltima pla\u00e7a disponible&quot;, &quot;si no firmes ara perds l&#039;aprovaci\u00f3&quot;\u00bb\u00a0<\/li>\n\n\n\n<li>Et\u00a0<strong>demanen dades sensibles\u00a0<\/strong>que cap prestador necessita: contrasenyes, codis de la teva banca electr\u00f2nica, claus PIN\u00a0<\/li>\n\n\n\n<li><strong>Promeses massa bones:<\/strong> 0% inter\u00e8s, sense requisits, aprovaci\u00f3 immediata sense estudi\u00a0<\/li>\n\n\n\n<li><strong>Manca de documentaci\u00f3 legal:<\/strong> no t&#039;envien el contracte o t&#039;ho donen escrit, no hi figura el cost total, no hi ha informaci\u00f3 de l&#039;empresa\u00a0<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"904\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/avafin_checklist_prestamista-1024x904.png\" alt=\"\" class=\"wp-image-10533\" srcset=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/avafin_checklist_prestamista-1024x904.png 1024w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/avafin_checklist_prestamista-300x265.png 300w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/avafin_checklist_prestamista-768x678.png 768w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/avafin_checklist_prestamista-14x12.png 14w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/avafin_checklist_prestamista-340x300.png 340w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/avafin_checklist_prestamista-850x750.png 850w, https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/avafin_checklist_prestamista.png 1360w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n<section id=\"av-tracks-block_ae080801c3890ee050b6f8a5a265bf5f\"\n    class=\"av-tracks   has-subtitle\"\n     style=\"background-image:url(https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/09\/f2f2324cccebb68b9dae4ae0b79991f9664c7943.jpg);\">\n    <div class=\"av-tracks-wrap\">\n        \n        \n                    <p class=\"av-tracks-subtitle\">Si has caigut en una estafa d&#039;aquest tipus, denuncia immediatament a la Policia Nacional i reporta l&#039;Ag\u00e8ncia Espanyola de Protecci\u00f3 de Dades. <\/p>\n        \n    <\/div>\n<\/section>\n<div class=\"av-tracks-metric-container\">\n    <\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_comparar_ofertas_con_criterio\"><\/span>Com comparar ofertes amb criteri<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan compares pr\u00e9stecs, no et quedis a la dada m\u00e9s visible (\u00abet donem 300 \u20ac avui\u00bb). \u00c9s important que reviseu les dades realment importants: <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Variable<\/th><th>Detalls<\/th><\/tr><\/thead><tbody><tr><td><strong>TAE (Taxa Anual Equivalent)<\/strong><\/td><td>\u00c9s el cost real anualitzat del pr\u00e9stec. Permet comparar productes amb diferents terminis. Una TAE m\u00e9s baixa significa un pr\u00e9stec m\u00e9s barat.<\/td><\/tr><tr><td><strong>Cost total real<\/strong><\/td><td>Quant tornar\u00e0s en total. \u00c9s la dada que millor reflecteix el que pagar\u00e0s de deb\u00f2. Calcula&#039;l sempre abans d&#039;acceptar.<\/td><\/tr><tr><td><strong>Termini de devoluci\u00f3<\/strong><\/td><td>Un pr\u00e9stec a 30 dies amb quota alta pot ser m\u00e9s f\u00e0cil de gestionar un a 90 dies, que es perllonga en el temps. Dep\u00e8n de la teva situaci\u00f3. <\/td><\/tr><tr><td><strong>Flexibilitat<\/strong><\/td><td>Pots ampliar el termini si sorgeix un imprevist? Hi ha penalitzaci\u00f3 per amortitzaci\u00f3 anticipada? Aquestes condicions s\u00f3n tan importants com el preu.\u00a0<\/td><\/tr><tr><td><strong>Transpar\u00e8ncia<\/strong><\/td><td>El prestador t&#039;ha de mostrar l&#039;exemple representatiu (import, interessos, comissions, TAE) ABANS que signis. Si has de signar per veure&#039;l, mal senyal.<\/td><\/tr><\/tbody><\/table><\/figure>\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=\"Que_hacer_si_no_puedes_devolver_el_prestamo\"><\/span><strong>Qu\u00e8 fer si no pots tornar el pr\u00e9stec<\/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\">Encara que no ho planegem, sorgeixen imprevistos pel cam\u00ed. Si \u00e9s el teu cas, i ja tens un pr\u00e9stec i preveus que no el podr\u00e0s tornar, o De vegades, malgrat la millor planificaci\u00f3, sorgeixen imprevistos. Si ja tens un pr\u00e9stec i preveus que no el podr\u00e0s tornar, o pitjor que pots fer \u00e9s desapar\u00e8ixer i esperar a veure qu\u00e8 passa. Aquestes s\u00f3n les accions correctes, en ordre de prioritat.\u00a0<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/02\/que-hacer-si-no-puedo-pagar.jpg\" alt=\"\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Contactar_con_el_prestamista_antes_de_la_fecha_de_vencimiento\"><\/span><strong>Contactar amb el prestador abans de la data de venciment<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan sorgeix un imprevist que t&#039;impedir\u00e0 pagar el pr\u00e9stec, contactar amb el prestador \u00e9s la decisi\u00f3 que m\u00e9s difer\u00e8ncia fa entre una situaci\u00f3 que es gestiona i una que se&#039;n sortir\u00e0 de control. Els prestadors seriosos prefereixen cobrar tard i amb un acord que enviar el cas a recobrament: perds menys diners, ells perden menys esfor\u00e7.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les opcions m\u00e9s habituals que et poden oferir:\u00a0<\/p>\n\n\n<section id=\"cards-group-block_e445c2f3f8171d577d4bf1766af31dea\" class=\"av-cards-group   av-cards-group-3 av-card-group-standard\" >\n            <div id=\"card-0\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/08\/stopwatch_red.png\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"temps\"\/>\n                    <\/div>\n                                                <h3><span class=\"ez-toc-section\" id=\"Prorroga_de_plazo\"><\/span><p><strong>Pr\u00f2rroga de termini<\/strong><\/p>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                                                <p><p>Sol tenir un cost, per\u00f2 menor que l&#039;impagoog<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-1\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/05\/reselling_red.jpg\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"flux dels diners\"\/>\n                    <\/div>\n                                                <h3><span class=\"ez-toc-section\" id=\"Pago_fracciona\"><\/span><p><strong>Pagament fracciona<\/strong><\/p>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                                                <p><p>Paga en diversos mesos el deute existent<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-2\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/07\/slider_red.png\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"restablir\"\/>\n                    <\/div>\n                                                <h3><span class=\"ez-toc-section\" id=\"Refinanciacion\"><\/span><p><strong>Refinan\u00e7ament<\/strong><\/p>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                                                <h3><span class=\"ez-toc-section\" id=\"Se_redefinen_las_condiciones_ya_que_las_condiciones_cambiaran_para_tu_prestamoimagen\"><\/span><p>Es redefineixen les condicions ja que les condicions canviaran pel teu pr\u00e9stecimatge<\/p>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                                    <\/div>\n    <\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Important:<\/strong> contacta abans de la data de venciment, no despr\u00e9s. Les opcions es redueixen molt quan ja esteu en situaci\u00f3 d&#039;impagament.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes_sobre_ASNEF_y_prestamos\"><\/span><strong>Preguntes freq\u00fcents sobre ASNEF i pr\u00e9stecs<\/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-1779197273334\"><strong class=\"schema-faq-question\"><strong>Estar a ASNEF afecta altres aspectes a m\u00e9s del cr\u00e8dit?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed. Tot i que l&#039;efecte m\u00e9s conegut \u00e9s el bloqueig de l&#039;acc\u00e9s a pr\u00e9stecs, estar a ASNEF pot afectar-te tamb\u00e9 a l&#039;hora de:\u00a0<br\/><strong>\u00b7Contractar subministraments b\u00e0sics\u00a0<\/strong>amb perman\u00e8ncia (llum, gas, internet, m\u00f2bil)\u00a0<br\/><strong>\u00b7Llogar un habitatge\u00a0<\/strong>(algunes immobili\u00e0ries consulten registres de morositat)\u00a0<br\/><strong>\u00b7Accedir a finan\u00e7ament de compres a terminis\u00a0<\/strong>(electrodom\u00e8stics, cotxe)\u00a0<br\/><strong>\u00b7Alguns contractes laborals al sector financer\u00a0<\/strong>(on es valoren antecedents de solv\u00e8ncia)\u00a0<br\/><br\/>Per aix\u00f2, sortir d&#039;ASNEF com m\u00e9s aviat millor no nom\u00e9s t&#039;obre les portes del cr\u00e8dit, sin\u00f3 que normalitza moltes gestions del dia a dia.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779197687509\"><strong class=\"schema-faq-question\"><strong>Quant de temps roman un deute a ASNEF?<\/strong><\/strong> <p class=\"schema-faq-answer\">El termini m\u00e0xim de perman\u00e8ncia \u00e9s de 5 anys des de la data dinclusi\u00f3, segons estableix la normativa espanyola. Si passats aquests 5 anys el deute no s&#039;ha cancel\u00b7lat,<a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-sortir-dasnef\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0pots sol\u00b7licitar l&#039;eliminaci\u00f3 per prescripci\u00f3 del registre<\/a>.\u00a0<br\/><strong>Important:\u00a0<\/strong>que prescrigui el registre no vol dir que prescrigui el deute. S\u00f3n dues coses diferents. El creditor pot seguir exigint-te el pagament, encara que ja no estiguis al fitxer. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779197842092\"><strong class=\"schema-faq-question\"><strong>\u00c9s legal que m&#039;incloguin a ASNEF sense avisar-me?<\/strong><\/strong> <p class=\"schema-faq-answer\">No, no \u00e9s legal. La normativa espanyola exigeix que l&#039;entitat creditora compleixi dos requisits abans d&#039;incloure les dades a ASNEF:<br\/><strong>\u00b7Haver-t&#039;ho notificat\u00a0<\/strong>al contracte original (la possibilitat d&#039;inclusi\u00f3)\u00a0<br\/><strong>\u00b7Haver-te enviat un pre-av\u00eds\u00a0<\/strong>comunicant que en 30 dies ser\u00e0s incl\u00f2s si no saldes el deute\u00a0<br\/>Si l&#039;entitat ha incomplert algun d&#039;aquests requisits, podeu sol\u00b7licitar la cancel\u00b7laci\u00f3 immediata de les vostres dades i reclamar davant l&#039;Ag\u00e8ncia Espanyola de Protecci\u00f3 de Dades. La teva inclusi\u00f3 sense preav\u00eds \u00e9s motiu d&#039;eliminaci\u00f3, independentment de si el deute existeix o no.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779197900483\"><strong class=\"schema-faq-question\"><strong>Sortir d&#039;ASNEF millora autom\u00e0ticament el meu acc\u00e9s a cr\u00e8dits?<\/strong><\/strong> <p class=\"schema-faq-answer\">Millora la teva situaci\u00f3 per\u00f2 no \u00e9s una soluci\u00f3 m\u00e0gica. Les entitats financeres consulten ASNEF, s\u00ed, per\u00f2 tamb\u00e9 altres registres com el\u00a0<a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-el-cirb\/\" target=\"_blank\" rel=\"noreferrer noopener\">CIRB<\/a> (Central d&#039;Informaci\u00f3 de Riscos del Banc d&#039;Espanya) i els historials interns propis.\u00a0<br\/>Sortir d&#039;ASNEF \u00e9s necessari per accedir a cr\u00e8dit en condicions normals, per\u00f2 no sempre suficient. Si el vostre historial recent reflecteix diversos impagaments, els bancs tradicionals poden continuar sent cauts durant un temps. L&#039;avantatge \u00e9s que les entitats especialitzades com a AvaFin, valorem cada cas individualment.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779198260963\"><strong class=\"schema-faq-question\"><strong>Puc aconseguir un pr\u00e9stec si nom\u00e9s tinc un deute petit a ASNEF?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed, \u00e9s un dels casos on resulta m\u00e9s f\u00e0cil. Els deutes petits (especialment amb telecomunicacions, subministraments o serveis no financers) i de naturalesa puntual s\u00f3n els que millor valoren les entitats especialitzades en<a href=\"https:\/\/www.avafin.es\/ca\/credits\/rapids-amb-asnef\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0pr\u00e9stecs amb ASNEF<\/a>.\u00a0<br\/>Si la vostra situaci\u00f3 \u00e9s aquesta (deute petit, primera incid\u00e8ncia, ingressos demostrables), teniu moltes m\u00e9s possibilitats d&#039;aprovaci\u00f3\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779198351455\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 faig si el deute registrat no \u00e9s meu o \u00e9s err\u00f2nia?<\/strong><\/strong> <p class=\"schema-faq-answer\">Tens dret a sol\u00b7licitar la<a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-sortir-dasnef\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0rectificaci\u00f3 o cancel\u00b7laci\u00f3 de les teves dades<\/a>\u00a0gratu\u00eftament, en exercici del dret ARCOL (Acc\u00e9s, Rectificaci\u00f3, Cancel\u00b7laci\u00f3, Oposici\u00f3 i Limitaci\u00f3) reconegut per la legislaci\u00f3 espanyola. El procediment \u00e9s senzill: contacta amb EQUIFAX (la gestora del fitxer ASNEF), demostra que el deute no \u00e9s teu o que \u00e9s err\u00f2nia, i l&#039;entitat t\u00e9 terminis legals per respondre&#039;t. Si no ateneu la vostra sol\u00b7licitud justificada, podeu reclamar davant l&#039;Ag\u00e8ncia Espanyola de Protecci\u00f3 de Dades.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779198560398\"><strong class=\"schema-faq-question\"><strong>Em poden denegar un pr\u00e9stec encara que el deute a ASNEF sigui molt petit?<\/strong><\/strong> <p class=\"schema-faq-answer\">Dep\u00e8n del prestador. Els bancs tradicionals solen aplicar criteris autom\u00e0tics: en figurar a l&#039;ASNEF, es denega autom\u00e0ticament, independentment de l&#039;import. <br\/>Les entitats especialitzades, en canvi, valoren el context: un deute de 80 \u20ac per una factura de telecomunicacions es tracta de manera molt diferent d&#039;un deute actiu de 3.000 \u20ac amb un banc.\u00a0<br\/>Per aix\u00f2, si la vostra situaci\u00f3 \u00e9s de deute petit, conv\u00e9 buscar entitats que estudi\u00efn cada cas en lloc d&#039;aplicar filtres autom\u00e0tics.\u00a0<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Estar a ASNEF \u00e9s una situaci\u00f3 complicada, per\u00f2 tamb\u00e9 \u00e9s una situaci\u00f3 que es pot gestionar. El m\u00e9s important \u00e9s no actuar per impuls: dedica temps a entendre exactament on ets, valora les alternatives que hi ha abans d&#039;endeutar-te m\u00e9s, i si finalment decideixes demanar un pr\u00e9stec, fes-ho amb una financera transparent que estudi\u00ef el teu cas particularment i que t&#039;aclareixi les condicions del teu pr\u00e9stec des del comen\u00e7ament.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si despr\u00e9s de valorar les opcions anteriors consideres que un pr\u00e9stec \u00e9s la millor opci\u00f3 per a la teva situaci\u00f3 concreta, a AvaFin t&#039;ajudem estudiant el teu cas particular, ja que entenem que tots els clients ens s\u00f3n iguals. No apliquem filtres autom\u00e0tics: valorem el context del deute, el seu origen i la capacitat de pagament actual. Pots con\u00e8ixer les nostres condicions per\u00a0<a href=\"https:\/\/www.avafin.es\/ca\/credits\/rapids-amb-asnef\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stecs amb ASNEF<\/a> i comprovar si el teu cas encaixa.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"%C2%A1Haz_la_Solicitud_de_tu_Prestamo_aunque_estes_en_ASNEF\"><\/span><strong>Fes la Sol\u00b7licitud del teu Pr\u00e9stec encara que estiguis a ASNEF!<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Demana el teu pr\u00e9stec a AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Si has llegado hasta aqu\u00ed pensando \u00abestoy en ASNEF y necesito un pr\u00e9stamo\u00bb, probablemente est\u00e1s en un momento con dificultades econ\u00f3micas y buscando opciones para superar este impase. Al tener esta necesidad econ\u00f3mica, puedes llegar a sentir que todas las puertas se cierran al figurar en un registro de morosidad. Sabemos que es una situaci\u00f3n [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":5561,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":false,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[24,23],"tags":[],"class_list":["post-5560","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-deudas","category-educacion-financiera"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Estoy en asnef y necesito un pr\u00e9stamo: qu\u00e9 hacer paso a paso | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Si est\u00e1s en ASNEF y necesitas dinero, antes de pedir un pr\u00e9stamo valora todas tus opciones. Te explicamos qu\u00e9 hacer en cada situaci\u00f3n.\" \/>\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\/estic-a-asnef-i-necessito-un-prestec\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Estoy en ASNEF y necesito un pr\u00e9stamo: qu\u00e9 hacer paso a paso\" \/>\n<meta property=\"og:description\" content=\"Si est\u00e1s en ASNEF y necesitas dinero, antes de pedir un pr\u00e9stamo valora todas tus opciones. Te explicamos qu\u00e9 hacer en cada situaci\u00f3n.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.avafin.es\/ca\/bloc\/estic-a-asnef-i-necessito-un-prestec\" \/>\n<meta property=\"og:site_name\" content=\"AvaFin Espa\u00f1a\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=61569520036083\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-27T13:04:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-23T09:18:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/04\/estoy-en-asnef-y-necesito-un-prestamo-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Alejandra Rangel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Estoy en ASNEF y necesito un pr\u00e9stamo: qu\u00e9 hacer paso a paso\" \/>\n<meta name=\"twitter:description\" content=\"Si est\u00e1s en ASNEF y necesitas dinero, antes de pedir un pr\u00e9stamo valora todas tus opciones. 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Descubre cu\u00e1nto puedes pedir, si es posible sin n\u00f3mina, qu\u00e9 intereses aplican y alternativas seguras.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/estoy-en-asnef-y-necesito-un-prestamo#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Inicio\",\"item\":\"https:\\\/\\\/www.avafin.es\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Deutes\",\"item\":\"https:\\\/\\\/www.avafin.es\\\/blog\\\/deudas\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Estoy en ASNEF y necesito un pr\u00e9stamo: qu\u00e9 hacer paso a paso\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#website\",\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/\",\"name\":\"AvaFin Espa\u00f1a\",\"description\":\"Somos una entidad financiera con amplia experiencia en el sector de los pr\u00e9stamos al consumo, con presencia en varios pa\u00edses y un numeroso grupo de clientes que conf\u00edan en nuestros servicios.  Somos miembros de la Asociaci\u00f3n Espa\u00f1ola de Micropr\u00e9stamos (AEMIP), garantizamos confianza y protecci\u00f3n mediante el cumplimiento de su c\u00f3digo de buenas pr\u00e1cticas. Ofrecemos pr\u00e9stamos que cubren aquellas necesidades no atendidas por la banca tradicional.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#organization\"},\"alternateName\":\"AVAFIN SPAIN, S.L.U.\u200b\",\"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\":\"Organization\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#organization\",\"name\":\"AvaFin\",\"alternateName\":\"AVAFIN SPAIN, S.L.U.\u200b\",\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/Logo-AvaFin-Azul.png\",\"contentUrl\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/Logo-AvaFin-Azul.png\",\"width\":250,\"height\":120,\"caption\":\"AvaFin\"},\"image\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/profile.php?id=61569520036083\",\"https:\\\/\\\/x.com\\\/AvafinEs\",\"https:\\\/\\\/www.tiktok.com\\\/@avafinespana?lang=es\",\"https:\\\/\\\/www.youtube.com\\\/@AvaFinEsp\u00e1\u00f1a\",\"https:\\\/\\\/share.google\\\/bVfIsDJSOUJCu4IHy\",\"https:\\\/\\\/www.ekomi.es\\\/testimonios-e14db1fc785b6c9d859ae865c8059cb0.html\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#\\\/schema\\\/person\\\/2955e74f3626e82f06ef36d98ecdc878\",\"name\":\"Alejandra Rangel\",\"pronouns\":\"Ella\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-cropped-Alejandra-Rangel-Avafin-2-96x96.png\",\"url\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-cropped-Alejandra-Rangel-Avafin-2-96x96.png\",\"contentUrl\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-cropped-Alejandra-Rangel-Avafin-2-96x96.png\",\"caption\":\"Alejandra Rangel\"},\"description\":\"Experta financiera, con 6 a\u00f1os de experiencia liderando la atenci\u00f3n a clientes que buscan soluciones econ\u00f3micas. Su experiencia en investigaci\u00f3n de mercados en AvaFin, brinda gran valor al momento de generar informaci\u00f3n \u00fatil sobre aquellas personas que buscan tomar decisiones financieras adecuadas a su situaci\u00f3n.\",\"sameAs\":[\"http:\\\/\\\/www.avafin.es\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/alejandra-rangel-bethencourt-29633a167\\\/\"],\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/author\\\/alejandra\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779197273334\",\"position\":1,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779197273334\",\"name\":\"\u00bfEstar\u00a0en\u00a0ASNEF\u00a0afecta\u00a0a\u00a0otros\u00a0aspectos\u00a0adem\u00e1s\u00a0del\u00a0cr\u00e9dito?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\u00ed.\u00a0Aunque\u00a0el\u00a0efecto\u00a0m\u00e1s\u00a0conocido\u00a0es\u00a0el\u00a0bloqueo\u00a0del\u00a0acceso\u00a0a\u00a0pr\u00e9stamos,\u00a0estar\u00a0en\u00a0ASNEF\u00a0puede\u00a0afectarte\u00a0tambi\u00e9n a la hora de:\u00a0<br\\\/><strong>\u00b7Contratar\u00a0suministros\u00a0b\u00e1sicos\u00a0<\\\/strong>con\u00a0permanencia\u00a0(luz, gas, internet,\u00a0m\u00f3vil)\u00a0<br\\\/><strong>\u00b7Alquilar\u00a0una\u00a0vivienda\u00a0<\\\/strong>(algunas\u00a0inmobiliarias\u00a0consultan\u00a0registros\u00a0de\u00a0morosidad)\u00a0<br\\\/><strong>\u00b7Acceder a\u00a0financiaci\u00f3n\u00a0de\u00a0compras\u00a0a\u00a0plazos\u00a0<\\\/strong>(electrodom\u00e9sticos,\u00a0coche)\u00a0<br\\\/><strong>\u00b7Algunos\u00a0contratos\u00a0laborales\u00a0en\u00a0el\u00a0sector\u00a0financiero\u00a0<\\\/strong>(donde\u00a0se\u00a0valoran\u00a0antecedentes\u00a0de\u00a0solvencia)\u00a0<br\\\/><br\\\/>Por\u00a0eso,\u00a0salir\u00a0de ASNEF\u00a0cuanto\u00a0antes no solo\u00a0te\u00a0abre\u00a0las\u00a0puertas\u00a0del\u00a0cr\u00e9dito,\u00a0sino\u00a0que\u00a0normaliza\u00a0muchas\u00a0gestiones\u00a0del d\u00eda a d\u00eda.\u00a0\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779197687509\",\"position\":2,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779197687509\",\"name\":\"\u00bfCu\u00e1nto\u00a0tiempo\u00a0permanece\u00a0una\u00a0deuda\u00a0en\u00a0ASNEF?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"El\u00a0plazo\u00a0m\u00e1ximo\u00a0de\u00a0permanencia\u00a0es de 5\u00a0a\u00f1os\u00a0desde\u00a0la\u00a0fecha\u00a0de\u00a0inclusi\u00f3n,\u00a0seg\u00fan\u00a0establece\u00a0la\u00a0normativa\u00a0espa\u00f1ola. Si\u00a0pasados\u00a0esos\u00a05\u00a0a\u00f1os\u00a0la\u00a0deuda\u00a0no se ha\u00a0cancelado,<a href=\\\"https:\\\/\\\/www.avafin.es\\\/blog\\\/como-salir-de-asnef\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">\u00a0puedes\u00a0solicitar\u00a0la\u00a0eliminaci\u00f3n\u00a0por\u00a0prescripci\u00f3n\u00a0del\u00a0registro<\\\/a>.\u00a0<br\\\/><strong>Importante:\u00a0<\\\/strong>que\u00a0prescriba\u00a0el\u00a0registro\u00a0no\u00a0significa\u00a0que\u00a0prescriba\u00a0la\u00a0deuda. Son dos\u00a0cosas\u00a0distintas. 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La seva experi\u00e8ncia en recerca de mercats a AvaFin, brinda gran valor al moment de generar informaci\u00f3 \u00fatil sobre aquelles persones que busquen prendre decisions financeres adequades a la seva situaci\u00f3.","sameAs":["http:\/\/www.avafin.es","https:\/\/www.linkedin.com\/in\/alejandra-rangel-bethencourt-29633a167\/"],"url":"https:\/\/www.avafin.es\/ca\/blog\/author\/alejandra"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779197273334","position":1,"url":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779197273334","name":"Estar a ASNEF afecta altres aspectes a m\u00e9s del cr\u00e8dit?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"S\u00ed.\u00a0Aunque\u00a0el\u00a0efecto\u00a0m\u00e1s\u00a0conocido\u00a0es\u00a0el\u00a0bloqueo\u00a0del\u00a0acceso\u00a0a\u00a0pr\u00e9stamos,\u00a0estar\u00a0en\u00a0ASNEF\u00a0puede\u00a0afectarte\u00a0tambi\u00e9n a la hora de:\u00a0<br\/><strong>\u00b7Contratar\u00a0suministros\u00a0b\u00e1sicos\u00a0<\/strong>con\u00a0permanencia\u00a0(luz, gas, internet,\u00a0m\u00f3vil)\u00a0<br\/><strong>\u00b7Alquilar\u00a0una\u00a0vivienda\u00a0<\/strong>(algunas\u00a0inmobiliarias\u00a0consultan\u00a0registros\u00a0de\u00a0morosidad)\u00a0<br\/><strong>\u00b7Acceder a\u00a0financiaci\u00f3n\u00a0de\u00a0compras\u00a0a\u00a0plazos\u00a0<\/strong>(electrodom\u00e9sticos,\u00a0coche)\u00a0<br\/><strong>\u00b7Algunos\u00a0contratos\u00a0laborales\u00a0en\u00a0el\u00a0sector\u00a0financiero\u00a0<\/strong>(donde\u00a0se\u00a0valoran\u00a0antecedentes\u00a0de\u00a0solvencia)\u00a0<br\/><br\/>Por\u00a0eso,\u00a0salir\u00a0de ASNEF\u00a0cuanto\u00a0antes no solo\u00a0te\u00a0abre\u00a0las\u00a0puertas\u00a0del\u00a0cr\u00e9dito,\u00a0sino\u00a0que\u00a0normaliza\u00a0muchas\u00a0gestiones\u00a0del d\u00eda a d\u00eda.\u00a0","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779197687509","position":2,"url":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779197687509","name":"Quant de temps roman un deute a ASNEF?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"El\u00a0plazo\u00a0m\u00e1ximo\u00a0de\u00a0permanencia\u00a0es de 5\u00a0a\u00f1os\u00a0desde\u00a0la\u00a0fecha\u00a0de\u00a0inclusi\u00f3n,\u00a0seg\u00fan\u00a0establece\u00a0la\u00a0normativa\u00a0espa\u00f1ola. Si\u00a0pasados\u00a0esos\u00a05\u00a0a\u00f1os\u00a0la\u00a0deuda\u00a0no se ha\u00a0cancelado,<a href=\"https:\/\/www.avafin.es\/blog\/como-salir-de-asnef\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0puedes\u00a0solicitar\u00a0la\u00a0eliminaci\u00f3n\u00a0por\u00a0prescripci\u00f3n\u00a0del\u00a0registro<\/a>.\u00a0<br\/><strong>Importante:\u00a0<\/strong>que\u00a0prescriba\u00a0el\u00a0registro\u00a0no\u00a0significa\u00a0que\u00a0prescriba\u00a0la\u00a0deuda. Son dos\u00a0cosas\u00a0distintas. El acreedor puede seguir exigi\u00e9ndote el pago, aunque ya no est\u00e9s en el fichero. ","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779197842092","position":3,"url":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779197842092","name":"\u00c9s legal que m&#039;incloguin a ASNEF sense avisar-me?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No, no es legal. La\u00a0normativa\u00a0espa\u00f1ola\u00a0exige\u00a0que\u00a0la\u00a0entidad\u00a0acreedora\u00a0cumpla\u00a0dos\u00a0requisitos\u00a0antes de\u00a0incluir\u00a0tus\u00a0datos\u00a0en\u00a0ASNEF:<br\/><strong>\u00b7Hab\u00e9rtelo\u00a0notificado\u00a0<\/strong>en\u00a0el\u00a0contrato\u00a0original (la\u00a0posibilidad\u00a0de\u00a0inclusi\u00f3n)\u00a0<br\/><strong>\u00b7Haberte\u00a0enviado\u00a0un pre-aviso\u00a0<\/strong>comunicando\u00a0que\u00a0en\u00a030 d\u00edas\u00a0ser\u00e1s\u00a0incluido\u00a0si\u00a0no\u00a0saldas\u00a0la\u00a0deuda\u00a0<br\/>Si la\u00a0entidad\u00a0ha\u00a0incumplido\u00a0alguno\u00a0de\u00a0estos\u00a0requisitos,\u00a0puedes\u00a0solicitar\u00a0la\u00a0cancelaci\u00f3n\u00a0inmediata\u00a0de\u00a0tus\u00a0datos\u00a0y\u00a0reclamar\u00a0ante la Agencia Espa\u00f1ola de\u00a0Protecci\u00f3n\u00a0de Datos. Tu\u00a0inclusi\u00f3n\u00a0sin pre-aviso es\u00a0motivo\u00a0de\u00a0eliminaci\u00f3n,\u00a0independientemente\u00a0de\u00a0si\u00a0la\u00a0deuda\u00a0existe\u00a0o no.\u00a0","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779197900483","position":4,"url":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779197900483","name":"Sortir d&#039;ASNEF millora autom\u00e0ticament el meu acc\u00e9s a cr\u00e8dits?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Mejora\u00a0tu\u00a0situaci\u00f3n,\u00a0pero\u00a0no es\u00a0una\u00a0soluci\u00f3n\u00a0m\u00e1gica. Las\u00a0entidades\u00a0financieras\u00a0consultan\u00a0ASNEF,\u00a0s\u00ed,\u00a0pero\u00a0tambi\u00e9n\u00a0otros\u00a0registros\u00a0como\u00a0el\u00a0<a href=\"https:\/\/www.avafin.es\/blog\/que-es-el-cirbe\" target=\"_blank\" rel=\"noreferrer noopener\">CIRBE<\/a> (Central de\u00a0Informaci\u00f3n\u00a0de\u00a0Riesgos\u00a0del Banco de Espa\u00f1a) y sus\u00a0propios\u00a0historiales\u00a0internos.\u00a0<br\/>Salir\u00a0de ASNEF es\u00a0necesario\u00a0para acceder\u00a0a\u00a0cr\u00e9dito\u00a0en\u00a0condiciones\u00a0normales,\u00a0pero\u00a0no\u00a0siempre\u00a0suficiente. Si\u00a0tu\u00a0historial\u00a0reciente\u00a0refleja\u00a0varios\u00a0impagos,\u00a0los\u00a0bancos\u00a0tradicionales\u00a0pueden\u00a0seguir\u00a0siendo\u00a0cautos\u00a0durante\u00a0un\u00a0tiempo. La\u00a0ventaja\u00a0es\u00a0que\u00a0las\u00a0entidades\u00a0especializadas\u00a0como AvaFin, valoramos cada\u00a0caso\u00a0individualmente.\u00a0","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779198260963","position":5,"url":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779198260963","name":"Puc aconseguir un pr\u00e9stec si nom\u00e9s tinc un deute petit a ASNEF?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"S\u00ed, es uno de\u00a0los\u00a0casos\u00a0donde\u00a0m\u00e1s\u00a0f\u00e1cil\u00a0resulta. Las\u00a0deudas\u00a0peque\u00f1as\u00a0(especialmente\u00a0con\u00a0telecomunicaciones,\u00a0suministros\u00a0o\u00a0servicios\u00a0no\u00a0financieros) y de\u00a0naturaleza\u00a0puntual\u00a0son las\u00a0que\u00a0mejor\u00a0valoran\u00a0las\u00a0entidades\u00a0especializadas\u00a0en<a href=\"https:\/\/www.avafin.es\/creditos\/rapidos-con-asnef\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0pr\u00e9stamos\u00a0con ASNEF<\/a>.\u00a0<br\/>Si\u00a0tu\u00a0situaci\u00f3n\u00a0es\u00a0esta\u00a0(deuda\u00a0peque\u00f1a,\u00a0primera\u00a0incidencia,\u00a0ingresos\u00a0demostrables),\u00a0tienes\u00a0muchas\u00a0m\u00e1s\u00a0posibilidades\u00a0de\u00a0aprobaci\u00f3n\u00a0","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779198351455","position":6,"url":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779198351455","name":"Qu\u00e8 faig si el deute registrat no \u00e9s meu o \u00e9s err\u00f2nia?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Tienes\u00a0derecho a\u00a0solicitar\u00a0la<a href=\"https:\/\/www.avafin.es\/blog\/como-salir-de-asnef\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0rectificaci\u00f3n\u00a0o\u00a0cancelaci\u00f3n\u00a0de\u00a0tus\u00a0datos<\/a>\u00a0gratuitamente,\u00a0en\u00a0ejercicio\u00a0del derecho ARCOL (Acceso, Rectificaci\u00f3n, Cancelaci\u00f3n, Oposici\u00f3n y Limitaci\u00f3n) reconocido por la legislaci\u00f3n espa\u00f1ola. El\u00a0procedimiento\u00a0es\u00a0sencillo:\u00a0contacta\u00a0con EQUIFAX (la\u00a0gestora\u00a0del\u00a0fichero\u00a0ASNEF),\u00a0demuestra\u00a0que\u00a0la\u00a0deuda\u00a0no es\u00a0tuya\u00a0o\u00a0que\u00a0es\u00a0err\u00f3nea, y la\u00a0entidad\u00a0tiene\u00a0plazos\u00a0legales\u00a0para\u00a0responderte. Si no\u00a0atienden\u00a0tu\u00a0solicitud\u00a0justificada,\u00a0puedes\u00a0reclamar\u00a0ante la Agencia Espa\u00f1ola de\u00a0Protecci\u00f3n\u00a0de Datos.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779198560398","position":7,"url":"https:\/\/www.avafin.es\/ca\/blog\/estoy-en-asnef-y-necesito-un-prestamo#faq-question-1779198560398","name":"Em poden denegar un pr\u00e9stec encara que el deute a ASNEF sigui molt petit?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Depende\u00a0del\u00a0prestamista. Los bancos tradicionales suelen aplicar criterios autom\u00e1ticos: al figurar en ASNEF, se deniega autom\u00e1ticamente, independientemente del importe. <br\/>Las\u00a0entidades\u00a0especializadas,\u00a0en\u00a0cambio,\u00a0valoran\u00a0el\u00a0contexto:\u00a0una\u00a0deuda\u00a0de 80 \u20ac\u00a0por\u00a0una\u00a0factura de\u00a0telecomunicaciones\u00a0se\u00a0trata\u00a0de forma\u00a0muy\u00a0distinta\u00a0a\u00a0una\u00a0deuda\u00a0activa\u00a0de 3.000 \u20ac con un banco.\u00a0<br\/>Por\u00a0eso,\u00a0si\u00a0tu\u00a0situaci\u00f3n\u00a0es de\u00a0deuda\u00a0peque\u00f1a,\u00a0conviene\u00a0buscar\u00a0entidades\u00a0que\u00a0estudien\u00a0cada\u00a0caso\u00a0en\u00a0lugar\u00a0de\u00a0aplicar\u00a0filtros\u00a0autom\u00e1ticos.\u00a0","inLanguage":"ca"},"inLanguage":"ca"}]}},"jetpack_publicize_connections":[],"featured_media_link":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/04\/estoy-en-asnef-y-necesito-un-prestamo-768x512.jpg","category":{"color":"#010440","link":"https:\/\/www.avafin.es\/ca\/blog\/deudas","text":"Deudas"},"_links":{"self":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/5560","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\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/comments?post=5560"}],"version-history":[{"count":1,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/5560\/revisions"}],"predecessor-version":[{"id":11647,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/5560\/revisions\/11647"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media\/5561"}],"wp:attachment":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media?parent=5560"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/categories?post=5560"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/tags?post=5560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}