{"id":5991,"date":"2025-05-22T13:34:15","date_gmt":"2025-05-22T11:34:15","guid":{"rendered":"https:\/\/www.avafin.es\/?p=5991"},"modified":"2026-07-23T10:20:19","modified_gmt":"2026-07-23T08:20:19","slug":"que-passa-si-no-pagues-un-prestec","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/que-pasa-si-no-pagas-un-prestamo","title":{"rendered":"Qu\u00e8 passa si no pagues un pr\u00e9stec\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Deixar d&#039;abonar les<strong> quotes dels pr\u00e9stecs <\/strong>provoca un <strong>augment<\/strong> autom\u00e0tic de la <strong>deute<\/strong>. I si la morositat persisteix pot donar lloc a la inclusi\u00f3 a <strong>fitxers de morosos<\/strong> que dificultaran l&#039;acc\u00e9s futur a finan\u00e7ament, a accions legals tradu\u00efbles a <strong>embargaments <\/strong>de comptes i b\u00e9ns, i fins i tot, eventualment, a <strong>responsabilitats penals<\/strong> si s&#039;ent\u00e9n que el deutor ha fet de mala fe.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En aquest post explicarem detalladament totes les <strong>conseq\u00fc\u00e8ncies de no pagar<\/strong> un pr\u00e9stec, des de les econ\u00f2miques fins a les judicials.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I tamb\u00e9, donarem consells sobre els<strong> passos a fer<\/strong> en percebre que no es podr\u00e0 complir amb les obligacions contretes.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finalment, oferirem recomanacions sobre <strong>comportament financer<\/strong> per evitar caure en situacions daquest tipus.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si t&#039;est\u00e0s preguntant <strong>qu\u00e8 passa si no pagues un pr\u00e9stec<\/strong> a les seg\u00fcents l\u00ednies trobar\u00e0s la informaci\u00f3 m\u00e9s completa i detallada.&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndex<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #6a737c;color:#6a737c\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #6a737c;color:#6a737c\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-pasa-si-no-pagas-un-prestamo\/#%C2%BFQue_ocurre_si_obtengo_un_prestamo_y_luego_no_puedo_afrontarlo\" >Qu\u00e8 passa si obtinc un pr\u00e9stec i despr\u00e9s no el puc afrontar?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-pasa-si-no-pagas-un-prestamo\/#Consecuencias_en_Espana_de_dejar_un_prestamo_sin_pagar\" >Conseq\u00fc\u00e8ncies a Espanya de deixar un pr\u00e9stec sense pagar&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-pasa-si-no-pagas-un-prestamo\/#Registro_en_ficheros_de_morosos\" >Registre en fitxers de morosos&nbsp;<\/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\/que-pasa-si-no-pagas-un-prestamo\/#Demandas_judiciales_derivadas_del_impago_del_prestamo\" >Demandes judicials derivades de l&#039;impagament del pr\u00e9stec&nbsp;<\/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\/que-pasa-si-no-pagas-un-prestamo\/#Delegacion_en_empresa_de_recobro_o_venta_de_deuda_a_fondo_buitre\" >Delegaci\u00f3 en empresa de recobrament o venda de deute a fons voltor&nbsp;<\/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\/que-pasa-si-no-pagas-un-prestamo\/#%C2%BFIncumplir_el_pago_de_un_prestamo_se_considera_delito_en_Espana\" >\u00bf Incomplir el pagament d&#039;un pr\u00e9stec es considera delicte a Espanya?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-pasa-si-no-pagas-un-prestamo\/#%C2%BFPuedo_ir_a_la_carcel_por_no_saldar_un_credito\" >Puc anar a la pres\u00f3 per no saldar un cr\u00e8dit?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-pasa-si-no-pagas-un-prestamo\/#%C2%BFEn_que_momento_caduca_legalmente_un_prestamo\" >En quin moment caduca legalment un pr\u00e9stec?&nbsp;<\/a><\/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\/que-pasa-si-no-pagas-un-prestamo\/#Pasos_a_seguir_cuando_no_es_posible_pagar_el_prestamo\" >Passos a seguir quan no \u00e9s possible pagar el pr\u00e9stec&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-pasa-si-no-pagas-un-prestamo\/#Recomendaciones_para_evitar_las_secuelas_de_no_abonar_el_prestamo\" >Recomanacions per evitar les seq\u00fceles de no abonar el pr\u00e9stec&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-pasa-si-no-pagas-un-prestamo\/#Averigua_cuanto_dinero_puedes_solicitar\" >Esbrina quants diners pots sol\u00b7licitar<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_ocurre_si_obtengo_un_prestamo_y_luego_no_puedo_afrontarlo\"><\/span>Qu\u00e8 passa si obtinc un pr\u00e9stec i despr\u00e9s no el puc afrontar?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No afrontar el pagament d&#039;un pr\u00e9stec t\u00e9 conseq\u00fc\u00e8ncies al mateix moment que es deixa de <strong>pagar a l&#039;entitat<\/strong> les quotes acordades, en produir-se<strong> rec\u00e0rrecs<\/strong> que augmentaran encara m\u00e9s el deute per l&#039;aplicaci\u00f3 de <strong>interessos de demora<\/strong>, la quantia del qual vindr\u00e0 determinada pel <strong>tipus d&#039;inter\u00e8s<\/strong> espec\u00edfic per a aquestes situacions que s&#039;hagi estipulat al contracte amb el banc o la financera.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mentre que si es tracta ja d&#039;un <strong>impagament persistent<\/strong>,<strong> <\/strong>s&#039;haur\u00e0 de fer front a una s\u00e8rie de <strong>repercussions en cascada, <\/strong>d&#039;acord amb all\u00f2 que marca la <strong>legislaci\u00f3 espanyola<\/strong> sobre l&#039;incompliment d&#039;obligacions financeres.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Consecuencias_en_Espana_de_dejar_un_prestamo_sin_pagar\"><\/span>Conseq\u00fc\u00e8ncies a Espanya de deixar un pr\u00e9stec sense pagar&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Al marge de patir rec\u00e0rrecs que augmentaran el deute, deixar un pr\u00e9stec sense pagar a Espanya suposa a exposar-se a:&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Registro_en_ficheros_de_morosos\"><\/span>Registre en fitxers de morosos&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hi ha <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/llista-de-morosos-nom\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>llistes de morosos<\/strong><\/a> com <strong>Experien<\/strong>, <strong>ASNEF o RAI<\/strong>, corresponent el primer fitxer nom\u00e9s a persones f\u00edsiques, el segon a persones f\u00edsiques i jur\u00eddiques amb apunts de morositat davant <strong>entitats de cr\u00e8dit<\/strong> i el tercer exclusivament a empreses amb deutes impagats.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, tota la informaci\u00f3 relativa a qualsevol operaci\u00f3 credit\u00edcia \u00e9s registrada a la <strong>Central d&#039;Informaci\u00f3 de Riscos<\/strong> del Banc d\u00b4Espanya.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D&#039;aquesta manera, els <strong>impagaments <\/strong>donen lloc que es conformi un mal <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-lhistorial-creditici\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>historial creditici<\/strong><\/a>, ia la m\u00e9s que probable qualificaci\u00f3 de <strong>client de risc<\/strong>, cosa que impedir\u00e0 no nom\u00e9s l&#039;acc\u00e9s a pr\u00e9stecs en el futur, sin\u00f3 tamb\u00e9 a <strong>finan\u00e7aments<\/strong> tan simples com les que es concedeixen per a una <strong>compra a terminis<\/strong> d&#039;un electrodom\u00e8stic, per exemple. I fins i tot, eventualment, es pot dificultar la contractaci\u00f3 de serveis tan b\u00e0sics com els de <strong>telefonia m\u00f2bil <\/strong>e <strong>internet<\/strong>.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Amb tot, a <strong>AvaFin<\/strong> encara que puguem tenir en compte la inclusi\u00f3 en fitxers de morositat com a criteri a l&#039;hora de concedir pr\u00e9stecs, <strong>no apliquem una exclusi\u00f3 autom\u00e0tica<\/strong>. Estudiem <strong>cada cas<\/strong> de manera personalitzada, i podem arribar a concedir <a href=\"https:\/\/www.avafin.es\/ca\/credits\/rapids-amb-asnef\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>cr\u00e8dits amb ASNEF<\/strong><\/a> sota el compliment daltres requisits.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Demandas_judiciales_derivadas_del_impago_del_prestamo\"><\/span>Demandes judicials derivades de l&#039;impagament del pr\u00e9stec&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00ed mateix, el <strong>impagament persistent<\/strong> del deute ocasionar\u00e0 reclamacions judicials per al <strong>embargament de n\u00f2mines<\/strong>, <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/embargament-compte-bancari-sense-notificacio\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>comptes<\/strong><\/a><strong> <\/strong>i <strong>b\u00e9ns<\/strong>, amb prioritat dins d&#039;aquests que s&#039;hagin pogut posar com <strong>garantia<\/strong> per a la concessi\u00f3 del pr\u00e9stec, ja es tracti d&#039;un aval propi o d&#039;un familiar.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aqu\u00ed cal diferenciar entre deixar de<strong> pagar un pr\u00e9stec personal<\/strong> i fer-ho amb un altre <strong>hipotecari<\/strong>, ja que per al segon es posa com a garantia la propietat hipotecada, que d&#039;acord amb la <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2019-3814\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Llei 5\/2019<\/strong><\/a> podr\u00e0 ser embargada despr\u00e9s d&#039;una <strong>reclamaci\u00f3 judicial<\/strong> a partir d&#039;un cert nombre de quotes sense pagar (12 al primer per\u00edode d&#039;amortitzaci\u00f3 de l&#039;habitatge i 15 al segon), per a la subhasta posterior per part del banc.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, a difer\u00e8ncia del que passa a altres pa\u00efsos com <strong>Estats Units<\/strong>, a Espanya la <strong>p\u00e8rdua de l&#039;immoble<\/strong> lloc com a garantia no suposa lextinci\u00f3 del deute. Tret que s&#039;autoritzi de manera expressa la daci\u00f3 en pagament despr\u00e9s d&#039;una negociaci\u00f3 amb l&#039;entitat banc\u00e0ria.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Delegacion_en_empresa_de_recobro_o_venta_de_deuda_a_fondo_buitre\"><\/span>Delegaci\u00f3 en empresa de recobrament o venda de deute a fons voltor&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;entitat creditora, davant la dificultat de cobrar la quantitat deguda, pot b\u00e9 intentar aconseguir-ho amb la <strong>mediaci\u00f3<\/strong> d&#039;una <strong>ag\u00e8ncia<\/strong> o <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/empreses-de-cobrament-de-deutes\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>empresa de recobrament<\/strong><\/a> especialitzada en <strong>impagaments<\/strong>, o b\u00e9 directament vendre el deute al que s&#039;anomena com un &#039;<strong>fons voltor&#039;<\/strong>, els m\u00e8todes dels quals per intentar aconseguir el pagament seran m\u00e9s expeditius, sense que puguin sortir-se mai dels l\u00edmits legals.&nbsp;&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFIncumplir_el_pago_de_un_prestamo_se_considera_delito_en_Espana\"><\/span>\u00bf Incomplir el pagament d&#039;un pr\u00e9stec es considera delicte a Espanya?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El Codi Penal espanyol no considera un delicte de per si mateix l&#039;impagament de <strong>pr\u00e9stecs personals<\/strong>, hipotecaris o de qualsevol tipus.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per\u00f2 caldria distingir entre <strong>responsabilitat penal i civil<\/strong>, de manera que es poden produir reclamacions judicials per <strong>deutes pendents<\/strong> de qualsevol proced\u00e8ncia, incloent-hi, per descomptat, els pr\u00e9stecs impagats, ja siguin bancaris, de financeres o de prestadors particulars.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tot i que l&#039;exempci\u00f3 de repercussions penals nom\u00e9s aplicaria si s&#039;ent\u00e9n que <strong>no hi ha hagut mala fe<\/strong>, doncs la interpretaci\u00f3 que va existir una intenci\u00f3 fraudulenta des del primer moment portaria l&#039;impagament a l&#039;\u00e0mbit del <strong>delicte punible<\/strong>.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_ir_a_la_carcel_por_no_saldar_un_credito\"><\/span>Puc anar a la pres\u00f3 per no saldar un cr\u00e8dit?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Per no saldar un cr\u00e8dit nom\u00e9s s&#039;afrontarien conseq\u00fc\u00e8ncies penals si es demostra que <strong>mai no hi va haver intenci\u00f3 de tornar els diners<\/strong>, o que es va utilitzar <strong>documentaci\u00f3 falsa<\/strong> per obtenir-lo.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El <strong>delicte d&#039;estafa<\/strong> atribu\u00efble en aquests casos est\u00e0 penalitzat amb fins <strong>tres anys de pres\u00f3<\/strong>, prolongables a una major durada per a quantitats superiors a <strong>50.000 euros<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, en cas que el deutor <strong>ocult patrimoni o b\u00e9ns<\/strong> per evitar embargaments dels creditors o es declari insolvent de forma fraudulenta, incorreria en una <strong>insolv\u00e8ncia punible<\/strong>, castigable amb fins <strong>quatre anys de pres\u00f3<\/strong>, m\u00e9s la corresponent multa.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFEn_que_momento_caduca_legalmente_un_prestamo\"><\/span>En quin moment caduca legalment un pr\u00e9stec?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">D&#039;acord amb <a href=\"https:\/\/noticias.juridicas.com\/base_datos\/Privado\/cc.l4t10.html\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Codi Civil<\/strong><\/a>, un <strong>pr\u00e9stec personal<\/strong> a Espanya prescriu als 5 anys si en aquest per\u00edode no hi ha una reclamaci\u00f3 del deute per part del banc o la <strong>entitat financera<\/strong>. Si b\u00e9, cal considerar que el <strong>termini s&#039;interromp<\/strong> cada vegada que el <strong>creditor contacta<\/strong> per recordar l&#039;exist\u00e8ncia del pagament pendent, encara que no emprengui accions judicials.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per als <strong>pr\u00e9stecs hipotecaris<\/strong> aquest termini de prescripci\u00f3 es prolonga fins als <strong>20 anys<\/strong>.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pasos_a_seguir_cuando_no_es_posible_pagar_el_prestamo\"><\/span>Passos a seguir quan no \u00e9s possible pagar el pr\u00e9stec&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cal <strong>actuar r\u00e0pid<\/strong> davant la percepci\u00f3 que no es podr\u00e0 fer <strong>davant les quotes d&#039;un pr\u00e9stec<\/strong>, fent els passos seg\u00fcents:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Informa del problema a la <strong>entitat financera<\/strong>, ja sigui un banc una fintech o qualsevol <strong>entitat prestadora<\/strong>Contacta amb ells per qualsevol canal i adona&#039;ls de la teva situaci\u00f3 Pensa que si prens la iniciativa abans de tenir-ne una <strong>quota impagada <\/strong>ser\u00e0 molt millor, per la senzilla ra\u00f3 que demostrar\u00e0s<strong> confian\u00e7a<\/strong>, i sempre els resultar\u00e0 m\u00e9s f\u00e0cil obrir la porta a determinades solucions a qui <strong>paga les quotes<\/strong> regularment i avisa davant de qualsevol incid\u00e8ncia. Valora tamb\u00e9 que per <strong>pol\u00edtica interna<\/strong> potser podran oferir propostes que no estiguin disponibles per a clients morosos.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si no us ho proposen ells, pregunta per la possibilitat d&#039;obtenir <strong>per\u00edodes de car\u00e8ncia<\/strong> que eximeixin del pagament durant un temps, o <strong>refinan\u00e7aments <\/strong>per <strong>reduir els pagaments<\/strong> que ara s&#039;efectuen a canvi d&#039;augmentar el termini d&#039;amortitzaci\u00f3. I si el risc d&#039;impagament ve per l&#039;exist\u00e8ncia de <strong>quotes de diversos pr\u00e9stecs diferents<\/strong>, planteja la viabilitat d&#039;una <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/reunificar-prestem\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>reunificaci\u00f3<\/strong><\/a>, que permet agrupar la hipoteca, qualsevol cr\u00e8dit existent i fins i tot les quotes fraccionades de la targeta de cr\u00e8dit en una <strong>\u00fanica quota<\/strong> m\u00e9s redu\u00efda, a canvi, novament, d&#039;estendre el per\u00edode de liquidaci\u00f3.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cerca <strong>assessorament financer<\/strong>, encara que et suposi pagar per un servei que sempre es pot limitar a una \u00fanica consulta. Amb tot, fins i tot et pot sortir a compte contractar assist\u00e8ncia experta, perqu\u00e8 puguin <strong>negociar en nom vostre<\/strong> modificacions en les condicions dels pr\u00e9stecs o reunificacions de deute, amb l&#039;objectiu que s&#039;obtinguin amb els m\u00e0xims avantatges per a tu.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">El que \u00e9s veritablement fonamental en aquestes situacions \u00e9s <strong>no amagar-se<\/strong>, i afrontar el problema <strong>abans que es produeixin impagaments<\/strong>, ja que una vegada aquests es donen i no s&#039;esmenen en un termini molt curt de temps comen\u00e7a a rodar tota una maquin\u00e0ria que comporta inclusi\u00f3 en <strong>fitxers de morositat<\/strong> que limitaran l&#039;acc\u00e9s futur a finan\u00e7ament, <strong>embargaments<\/strong> de comptes o b\u00e9ns i fins <strong>repercussions legals<\/strong> m\u00e9s serioses si s&#039;atribueix un comportament de mala fe. Tot aix\u00f2 comporta un peatge molt gran, tradu\u00efble en primer lloc a <strong>estr\u00e8s i angoixa<\/strong> per a qui es veu embolicat en una situaci\u00f3 aix\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D&#039;aqu\u00ed ve, la import\u00e0ncia de posar al corrent a l&#039;altra part com m\u00e9s aviat millor davant de qualsevol incid\u00e8ncia de pagament, valorant tamb\u00e9 que l&#039;\u00faltim que vol tenir un banc o una financera en la seva comptabilitat s\u00f3n apunts de morositat que comprometin l&#039;estabilitat dels comptes, per la qual cosa estaran <strong>oberts a cercar solucions que evitin els impagaments<\/strong>. Cosa que no poden posar sobre la taula quan un client no compleix les seves obligacions ia sobre s&#039;hi amaga.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Recomendaciones_para_evitar_las_secuelas_de_no_abonar_el_prestamo\"><\/span>Recomanacions per evitar les seq\u00fceles de no abonar el pr\u00e9stec&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Poc es pot fer per evitar les seq\u00fceles de no pagar un pr\u00e9stec, ja que a m\u00e9s qualsevol possible <strong>negociaci\u00f3<\/strong> amb els <strong>creditors financers<\/strong> es topar\u00e0 amb una l\u00f2gica <strong>desconfian\u00e7a <\/strong>per la seva banda.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si b\u00e9, no ser\u00e0 el mateix haver-ne deixat unes <strong>quantes quotes sense pagar<\/strong> i mostrar voluntat inequ\u00edvoca de solucionar-ho, que haver prestat orelles sordes a les reclamacions i posar-se a buscar solucions quan arriben els embargaments o estan a punt de venir.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per a certs casos estaria la via de <a href=\"https:\/\/www.boe.es\/boe\/dias\/2022\/09\/06\/pdfs\/BOE-A-2022-14580.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Llei de Segona Oportunitat<\/strong><\/a> per <strong>particulars<\/strong>, que es va agilitzar en la seva versi\u00f3 de <strong>2022<\/strong>, i permet <strong>cancel\u00b7lar deutes<\/strong> o b\u00e9 establir un <strong>pla de pagaments assumible<\/strong> que possibiliti comen\u00e7ar de nou. Per\u00f2 cal complir determinats requisits com tenir m\u00e9s d&#039;un <strong>creditor<\/strong>, i el que pot ser m\u00e9s complicat: demostrar que els <strong>impagaments es van produir per circumst\u00e0ncies alienes al control del deutor<\/strong>, i que aquest no va actuar ni de mala fe ni de manera <strong>negligent <\/strong>en sol\u00b7licitar el pr\u00e9stec.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta q\u00fcesti\u00f3 tan espinosa mostra com n&#039;\u00e9s d&#039;essencial la <strong>responsabilitat financera<\/strong>, que suposa la millor guia per evitar-se tot el que passa quan no es paguen els deutes contrets. Una cosa que pertoca tant a qui sol\u00b7licita un <strong>pr\u00e9stec per excessives quantitats<\/strong> com a qui ho concedeix, encara que aix\u00f2 no vol dir que calgui renunciar a demanar i donar finan\u00e7ament.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per\u00f2, posem per cas, si es tracta de solucionar-ne una <strong>emerg\u00e8ncia econ\u00f2mica puntual<\/strong> que es pot resoldre amb un <a href=\"https:\/\/www.avafin.es\/ca\/minicredits\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>minicr\u00e8dit<\/strong><\/a>, no t\u00e9 sentit endeutar-se ni endeutar per quantitats superiors, hipotecant un futur que a m\u00e9s pot ser econ\u00f2micament incert de per si.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2 a <strong>AvaFin<\/strong> apostem per oferir pr\u00e9stecs de <strong>petites quantitats assumibles<\/strong>, que se salden en un <strong>termini proper<\/strong> per\u00f2 suficient, sense abocar a estar anys pagant, amb les moltes circumst\u00e0ncies que poden succeir en aquest per\u00edode tan llarg. Encara que aix\u00f2 no exclou que <strong>premiem<\/strong> la <strong>confian\u00e7a <\/strong>demostrada pels clients, donant-los acc\u00e9s a <strong>majors quantitats<\/strong>, amb <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/1000-euros\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pr\u00e9stecs de 1.000 euros<\/strong><\/a> i fins i tot superiors, i oferint-los a m\u00e9s condicions m\u00e9s flexibles de pagament.\u00a0\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9, per descomptat, estem sempre disponibles, amb m\u00faltiples canals oberts per<strong> atendre<\/strong> qualsevol <strong>incid\u00e8ncia<\/strong> que pugui sorgir, i cercar junts solucions que resultin satisfact\u00f2ries per a ambdues parts.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, per<strong> evitar errors de c\u00e0lcul<\/strong> que despr\u00e9s es tradueixin en problemes comptem amb una <strong>eina de simulaci\u00f3<\/strong>, que facilita esbrinar exactament tant la <strong>quantitat<\/strong> a tornar com el<strong> termini<\/strong> per fer-ho<strong> abans de fer la sol\u00b7licitud<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00ed, oferim <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/sense-papers\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pr\u00e9stecs sense papers<\/strong><\/a> que camuflin sorpreses en lletra petita, amb la <strong>m\u00e0xima transpar\u00e8ncia<\/strong> i tota la informaci\u00f3 que necessites saber. Comprova-ho al nostre <a href=\"https:\/\/www.avafin.es\/ca\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>simulador<\/strong><\/a>!\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center header-full-dots\"><span class=\"ez-toc-section\" id=\"Averigua_cuanto_dinero_puedes_solicitar\"><\/span><span>Esbrina quants diners pots sol\u00b7licitar<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Obtingues-ho avui amb AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Dejar de abonar las cuotas de los pr\u00e9stamos provoca un aumento autom\u00e1tico de la deuda. Y si la morosidad persiste puede dar lugar a la inclusi\u00f3n en ficheros de morosos que dificultar\u00e1n el acceso futuro a financiaci\u00f3n, a acciones legales traducibles en embargos de cuentas y bienes, e incluso, eventualmente, a responsabilidades penales si se [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":5992,"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":[26,24,23,21],"tags":[],"class_list":["post-5991","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ayudas","category-deudas","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>Qu\u00e9 pasa si no pagas un pr\u00e9stamo: consecuencias a afrontar | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Descubre qu\u00e9 ocurre si no pagas un pr\u00e9stamo y c\u00f3mo actuar ante un impago. Consejos claros para afrontar tus obligaciones financieras.\" \/>\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\/que-passa-si-no-pagues-un-prestec\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u00e9 pasa si no pagas un pr\u00e9stamo: consecuencias a afrontar | AvaFin Espa\u00f1a\" \/>\n<meta property=\"og:description\" content=\"Descubre qu\u00e9 ocurre si no pagas un pr\u00e9stamo y c\u00f3mo actuar ante un impago. 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