{"id":6030,"date":"2025-06-02T12:39:01","date_gmt":"2025-06-02T10:39:01","guid":{"rendered":"https:\/\/www.avafin.es\/?p=6030"},"modified":"2026-07-23T10:19:41","modified_gmt":"2026-07-23T08:19:41","slug":"que-es-el-cirb","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-cirbe","title":{"rendered":"Qu\u00e8 \u00e9s el CIRBE? Descobreix com afecta el teu historial creditici"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Si est\u00e0s considerant sol\u00b7licitar un pr\u00e9stec, finan\u00e7ar un cotxe o accedir a una hipoteca, \u00e9s molt probable que et trobis amb un terme clau: <strong>CIRB<\/strong>. Comprendre <strong>qu\u00e8 \u00e9s el CIRBE<\/strong> i com pot afectar el teu historial creditici \u00e9s fonamental per prendre decisions financeres amb seguretat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>Central d&#039;informaci\u00f3 de riscos del Banc d&#039;Espanya<\/strong> recull informaci\u00f3 sobre els riscos financers que persones i empreses tenen amb entitats banc\u00e0ries. Encara que moltes persones en desconeixen l&#039;exist\u00e8ncia, aquesta base de dades \u00e9s revisada pels bancs abans d&#039;aprovar qualsevol tipus de finan\u00e7ament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Saber quines dades apareixen en aquest informe, com <strong>consultar-ho<\/strong>, i qu\u00e8 fer si detectes errors, et donar\u00e0 avantatge davant de qualsevol proc\u00e9s creditici. En aquest article trobar\u00e0s una guia completa per entendre, gestionar i optimitzar la teva relaci\u00f3 amb el CIRBE i accedir a finan\u00e7ament en millors condicions.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #6a737c;color:#6a737c\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #6a737c;color:#6a737c\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-cirbe\/#%C2%BFQue_es_el_CIRBE_y_para_que_sirve\" >Qu\u00e8 \u00e9s el CIRBE i per a qu\u00e8 serveix?<\/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\/que-es-el-cirbe\/#Definicion_y_funcion_principal_de_la_Central_de_Informacion_de_Riesgos\" >Definici\u00f3 i funci\u00f3 principal de la Central dInformaci\u00f3 de Riscos<\/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\/que-es-el-cirbe\/#%C2%BFQue_deudas_aparecen_en_CIRBE\" >Quins deutes apareixen a CIRBE?<\/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-es-el-cirbe\/#%C2%BFQue_mira_el_Banco_de_Espana_y_otros_bancos_en_la_CIRBE\" >Qu\u00e8 mira el Banc d&#039;Espanya (i altres bancs) a la CIRBE?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-cirbe\/#Como_obtener_y_consultar_tu_informe_CIRBE\" >Com obtenir i consultar el teu informe CIRBE<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-cirbe\/#Vias_para_solicitar_el_CIRBE_Oficina_Virtual_Clave_PIN_PDF\" >Vies per sol\u00b7licitar el CIRBE (Oficina Virtual, Clau PIN, PDF)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-cirbe\/#Pasos_para_la_consulta_y_descarga_solicitar_CIRBE_CIRBE_consulta_descargar_informe\" >Passos per a la consulta i desc\u00e0rrega (sol\u00b7licitar CIRBE, CIRBE consulta, descarregar informe)<\/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\/que-es-el-cirbe\/#Peticion_de_informes_y_reclamaciones_CIR\" >Petici\u00f3 d&#039;informes i reclamacions CIR<\/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\/que-es-el-cirbe\/#El_certificado_CIRBE_y_su_utilidad\" >El certificat CIRBE i la seva utilitat<\/a><\/li><\/ul><\/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-es-el-cirbe\/#El_CIRBE_y_tu_historial_crediticio_Claves_para_entenderlo\" >El CIRBE i el teu historial creditici: Claus per entendre&#039;l<\/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-es-el-cirbe\/#%C2%BFComo_saber_y_consultar_tu_historial_crediticio_CIRBE_y_otros_informes_de_credito\" >Com saber i consultar el teu historial creditici (CIRBE i altres informes de cr\u00e8dit)?<\/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\/que-es-el-cirbe\/#%C2%BFComo_verificar_si_tienes_creditos_a_tu_nombre\" >Com puc verificar si tens cr\u00e8dits al teu nom?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-cirbe\/#Tipos_de_prestamos_y_deudas_en_el_CIRBE\" >Tipus de pr\u00e9stecs i deutes al CIRBE<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-cirbe\/#%C2%BFQue_prestamos_no_salen_en_el_CIRBE_Aclarar_mitos_y_excepciones\" >Quins pr\u00e9stecs no surten al CIRBE? (Aclarir mites i excepcions)<\/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\/que-es-el-cirbe\/#%C2%BFCuanto_tarda_en_desaparecer_una_deuda_de_la_CIRBE\" >Quan triga a desapar\u00e8ixer un deute del CIRBE?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-cirbe\/#Financieras_y_el_CIRBE_%C2%BFQuien_lo_consulta\" >Financeres i el CIRBE: \u00bf Qui ho consulta?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-cirbe\/#Financieras_que_no_miran_CIRBE_Opciones_y_consideraciones\" >Financeres que no miren CIRBE: Opcions i consideracions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-cirbe\/#%C2%BFDonde_miran_los_bancos_si_tienes_deudas\" >On miren els bancs si tens deutes?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-cirbe\/#Conclusion_La_importancia_de_conocer_y_gestionar_tu_CIRBE\" >Conclusi\u00f3: La import\u00e0ncia de con\u00e8ixer i gestionar el teu CIRBE<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.avafin.es\/ca\/blog\/que-es-el-cirbe\/#%C2%BFListo_para_solicitar_tu_prestamo\" >\u00bfListo para solicitar tu pr\u00e9stamo?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_el_CIRBE_y_para_que_sirve\"><\/span><strong>Qu\u00e8 \u00e9s el CIRBE i per a qu\u00e8 serveix?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>Central d&#039;informaci\u00f3 de riscos del Banc d&#039;Espanya<\/strong>, coneguda com <strong>CIRB<\/strong>, \u00e9s una gran base de dades on es recull informaci\u00f3 sobre els pr\u00e9stecs, cr\u00e8dits, avals i riscos financers que les persones o empreses tenen amb entitats financeres.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La seva funci\u00f3 principal \u00e9s servir com a sistema davaluaci\u00f3 per als bancs. Gr\u00e0cies a la <strong>CIRB<\/strong>poden valorar si una persona est\u00e0 en condicions d&#039;assumir nous deutes. Per\u00f2 tamb\u00e9 serveix el mateix ciutad\u00e0, ja que pot <strong>consultar el vostre CIRBE<\/strong> i con\u00e8ixer si hi ha riscos associats al seu nom.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Definicion_y_funcion_principal_de_la_Central_de_Informacion_de_Riesgos\"><\/span>Definici\u00f3 i funci\u00f3 principal de la Central dInformaci\u00f3 de Riscos<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>CIRB<\/strong> no \u00e9s un fitxer de morosos. No reflecteix si una persona ha deixat de pagar, sin\u00f3 <strong>el volum de deute viu<\/strong> que mant\u00e9 amb una entitat. Per exemple, si tens un pr\u00e9stec personal, una targeta de cr\u00e8dit o has avalat alg\u00fa, apareixer\u00e0s a la base de dades <strong>sempre que l&#039;import superi els 1.000 euros per entitat<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El <strong>Banc d&#039;Espanya<\/strong> recopila aquestes dades per donar suport al sistema financer i oferir m\u00e9s transpar\u00e8ncia en la concessi\u00f3 de cr\u00e8dits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_deudas_aparecen_en_CIRBE\"><\/span>Quins deutes apareixen a CIRBE?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No tots els deutes que tens apareixen autom\u00e0ticament a la <strong>CIRB<\/strong>, per\u00f2 s\u00ed aquelles que, pel seu import i naturalesa, representen un risc financer significatiu per al sistema bancari. Aquesta base de dades del <strong>Banc d&#039;Espanya<\/strong> nom\u00e9s reflecteix operacions el saldo viu de les quals supera els <strong>1.000 euros<\/strong> amb una mateixa entitat. \u00c9s a dir, si tens diversos petits deutes, poden no registrar-se, per\u00f2 si superes aquest llindar, s\u00ed que quedaran reflectits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Els deutes m\u00e9s comuns que apareixen a l&#039;informe CIRBE s\u00f3n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cr\u00e8dits personals.<\/li>\n\n\n\n<li>Hipoteques.<\/li>\n\n\n\n<li>Targetes de cr\u00e8dit amb saldo superior a 1.000 euros.<\/li>\n\n\n\n<li>Cr\u00e8dits comercials.<\/li>\n\n\n\n<li>Avalis concedits.<\/li>\n\n\n\n<li>Arrendament financer i lloguer financer.<\/li>\n\n\n\n<li>P\u00f2lisses de cr\u00e8dit.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aquestes operacions, en estar registrades, s\u00f3n avaluades per les entitats per analitzar el nivell d&#039;endeutament i la capacitat per assumir nous compromisos financers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_mira_el_Banco_de_Espana_y_otros_bancos_en_la_CIRBE\"><\/span>Qu\u00e8 mira el Banc d&#039;Espanya (i altres bancs) a la CIRBE?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En fer una <strong>CIRBE consulta<\/strong>, els bancs avaluen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El total de deutes vius que tens amb cada entitat<\/li>\n\n\n\n<li>El tipus d&#039;operaci\u00f3 (pr\u00e9stec, aval, cr\u00e8dit, etc.)<\/li>\n\n\n\n<li>L&#039;import pendent<\/li>\n\n\n\n<li>Si loperaci\u00f3 est\u00e0 al corrent o en situaci\u00f3 irregular<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta informaci\u00f3 \u00e9s fonamental per determinar la teva <strong>capacitat d&#039;endeutament<\/strong>. Si penses demanar una hipoteca, \u00e9s probable que l&#039;entitat financera accedeixi al teu CIRBE abans de donar el vistiplau.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_obtener_y_consultar_tu_informe_CIRBE\"><\/span><strong>Com obtenir i consultar el teu informe CIRBE<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Consultar el teu <strong>informe CIRBE<\/strong> \u00e9s un dret que pots exercir en qualsevol moment i, a m\u00e9s, \u00e9s completament gratu\u00eft. Aquest informe us permet con\u00e8ixer amb exactitud quins deutes o avals estan registrats al vostre nom, i \u00e9s especialment \u00fatil si esteu planificant sol\u00b7licitar finan\u00e7ament o voleu revisar la vostra situaci\u00f3 credit\u00edcia actual.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El proc\u00e9s de <strong>sol\u00b7licitar CIRBE<\/strong> \u00e9s m\u00e9s senzill del que sembla, i ho pots fer des de casa, sense necessitat d&#039;acudir f\u00edsicament al <strong>Banc d&#039;Espanya<\/strong>. Hi ha diferents m\u00e8todes per accedir a la teva informaci\u00f3, adaptats a diferents nivells d&#039;acc\u00e9s digital, ja sigui mitjan\u00e7ant certificat electr\u00f2nic, <strong>Clau PIN<\/strong>, DNIe o fins i tot a trav\u00e9s d&#039;una <strong>sol\u00b7licitud CIRBE PDF<\/strong> que pots enviar per correu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consultar el teu CIRBE no nom\u00e9s t&#039;ajuda a anticipar-te a possibles rebutjos bancaris, sin\u00f3 tamb\u00e9 a detectar errors o deutes que no reconeixes, permetent prendre mesures correctives a temps. A continuaci\u00f3, t&#039;expliquem les diferents vies disponibles per accedir al teu informe i els passos detallats per fer la <strong>CIRBE consulta<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Vias_para_solicitar_el_CIRBE_Oficina_Virtual_Clave_PIN_PDF\"><\/span>Vies per sol\u00b7licitar el CIRBE (Oficina Virtual, Clau PIN, PDF)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hi ha diferents formes de <strong>sol\u00b7licitar el CIRBE<\/strong>, totes oficials, gratu\u00eftes i adaptades a diferents nivells d&#039;acc\u00e9s digital. El <strong>Banc d&#039;Espanya<\/strong> ha posat a disposici\u00f3 dels ciutadans diversos canals per facilitar aquest tr\u00e0mit, tant de forma en l\u00ednia com presencial o semipresencial.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquestes s\u00f3n les principals vies disponibles:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Oficina Virtual CIRBE<\/strong>: \u00e9s l&#039;opci\u00f3 m\u00e9s recomanada si disposes de certificat digital, DNI electr\u00f2nic o sistema Cl@ve permanent. A trav\u00e9s de la seu electr\u00f2nica del <strong>Banc d&#039;Espanya<\/strong>, pots fer la sol\u00b7licitud de forma r\u00e0pida, segura i sense despla\u00e7aments.<\/li>\n\n\n\n<li><strong>Sol\u00b7licitar CIRBE amb Clau PIN<\/strong>: si no tens certificat electr\u00f2nic, pots accedir amb Cl@ve PIN. Aquest m\u00e8tode d&#039;identificaci\u00f3 \u00e9s v\u00e0lid per a moltes gestions administratives i permet tramitar la sol\u00b7licitud de manera senzilla des de qualsevol dispositiu amb connexi\u00f3.<\/li>\n\n\n\n<li><strong>Sol\u00b7licitud CIRBE PDF<\/strong>: si prefereixes un m\u00e8tode tradicional, pots descarregar el formulari oficial, emplenar-lo a m\u00e0, signar-lo i enviar-lo per correu electr\u00f2nic o postal, juntament amb una c\u00f2pia del teu DNI. Aquesta opci\u00f3 \u00e9s \u00fatil si no disposeu de mitjans electr\u00f2nics habilitats.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Totes aquestes vies permeten accedir al vostre informe de riscos sense cost i amb plenes garanties legals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pasos_para_la_consulta_y_descarga_solicitar_CIRBE_CIRBE_consulta_descargar_informe\"><\/span>Passos per a la consulta i desc\u00e0rrega (sol\u00b7licitar CIRBE, CIRBE consulta, descarregar informe)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un cop hagis triat la via que millor s&#039;adapti a tu, el proc\u00e9s per fer la via <strong>CIRBE consulta<\/strong> i obtenir linforme \u00e9s molt senzill. Aqu\u00ed et detallem els passos per sol\u00b7licitar-ho i descarregar-ho correctament:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Accediu a la seu electr\u00f2nica del Banc d&#039;Espanya<\/strong>: entra a la secci\u00f3 \u201cCentral d&#039;Informaci\u00f3 de Riscos (CIR)\u201d i selecciona el tr\u00e0mit corresponent per a particulars.<\/li>\n\n\n\n<li><strong>Identifica&#039;t amb el teu sistema d&#039;acc\u00e9s<\/strong>: pot ser mitjan\u00e7ant certificat digital, DNI electr\u00f2nic o Clau PIN. Si escolliu l&#039;opci\u00f3 en PDF, haureu d&#039;enviar la sol\u00b7licitud signada.<\/li>\n\n\n\n<li><strong>Envia la teva sol\u00b7licitud CIRBE<\/strong>: ja sigui digitalment o mitjan\u00e7ant el formulari f\u00edsic, assegureu-vos d&#039;incloure totes les dades requerides per evitar retards.<\/li>\n\n\n\n<li><strong>Espera la confirmaci\u00f3<\/strong>: despr\u00e9s de validar la teva identitat, el Banc d&#039;Espanya processar\u00e0 la petici\u00f3.<\/li>\n\n\n\n<li><strong>Descarrega el teu informe CIRBE<\/strong>: un cop disponible, rebr\u00e0s una notificaci\u00f3 per accedir al teu informe en format PDF, que podr\u00e0s desar o imprimir.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Aquest document \u00e9s clau per tenir una visi\u00f3 real de la teva situaci\u00f3 financera registrada davant del sistema bancari.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Peticion_de_informes_y_reclamaciones_CIR\"><\/span>Petici\u00f3 d&#039;informes i reclamacions CIR<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si despr\u00e9s de revisar el teu informe detectes dades err\u00f2nies, operacions que no reconeixes o saldos incorrectes, en pots fer una <strong>petici\u00f3 d&#039;informes i reclamacions CIR<\/strong> directament davant del <strong>Banc d&#039;Espanya<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquest procediment est\u00e0 dissenyat per a:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sol\u00b7licitar aclariments sobre les dades reflectides.<\/li>\n\n\n\n<li>Reclamar operacions que no reconeixes.<\/li>\n\n\n\n<li>Corregir errors per part de les entitats informants.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Per iniciar una reclamaci\u00f3, haur\u00e0s de completar el formulari corresponent disponible a la seu electr\u00f2nica, adjuntar una c\u00f2pia de l&#039;informe i aportar documentaci\u00f3 addicional que doni suport a la teva sol\u00b7licitud. El Banc d&#039;Espanya actua com a mediador i requereix una resposta de l&#039;entitat financera implicada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s un dret gratu\u00eft i essencial per protegir la teva reputaci\u00f3 credit\u00edcia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"El_certificado_CIRBE_y_su_utilidad\"><\/span>El certificat CIRBE i la seva utilitat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El <strong>certificat CIRBE<\/strong> \u00e9s el document oficial em\u00e8s pel <strong>Banc d&#039;Espanya<\/strong> que acredita la vostra situaci\u00f3 financera registrada a la Central d&#039;Informaci\u00f3 de Riscos. Aquest informe no nom\u00e9s serveix com a eina de control personal, sin\u00f3 que tamb\u00e9 t\u00e9 un gran valor documental en m\u00faltiples contextos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per qu\u00e8 serveix aquest certificat?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Sol\u00b7licituds d&#039;hipoteca o pr\u00e9stec<\/strong>: moltes entitats t&#039;ho requeriran com a part de l&#039;estudi de risc.<\/li>\n\n\n\n<li><strong>Lloguers o arrendaments amb garantia financera<\/strong>: alguns propietaris ho sol\u00b7liciten com a prova de solv\u00e8ncia.<\/li>\n\n\n\n<li><strong>Processos judicials, her\u00e8ncies o divorcis<\/strong>: s&#039;usa com a element de prova patrimonial.<\/li>\n\n\n\n<li><strong>Control intern<\/strong>: et permet tenir una visi\u00f3 clara i transparent dels teus compromisos financers actius.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Presentar un certificat actualitzat us pot ajudar a millorar les vostres condicions de negociaci\u00f3 amb bancs o arrendadors. Consultar-ho regularment \u00e9s una bona pr\u00e0ctica financera.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"El_CIRBE_y_tu_historial_crediticio_Claves_para_entenderlo\"><\/span><strong>El CIRBE i el teu historial creditici: Claus per entendre&#039;l<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tu <strong>historial creditici<\/strong> no sols dep\u00e8n de si pagues o no els teus deutes, sin\u00f3 tamb\u00e9 del volum dels teus compromisos actius. El <strong>CIRB<\/strong> aporta una visi\u00f3 global que complementa altres informes com ASNEF o RAI. Consulta m\u00e9s sobre aquest tema al nostre article sobre el <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-lhistorial-creditici\/\" target=\"_blank\" rel=\"noreferrer noopener\">historial creditici<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_saber_y_consultar_tu_historial_crediticio_CIRBE_y_otros_informes_de_credito\"><\/span>Com saber i consultar el teu historial creditici (CIRBE i altres informes de cr\u00e8dit)?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s de la <strong>CIRBE consulta<\/strong>, pots revisar fitxers privats com:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ASNEF<\/li>\n\n\n\n<li>RAI<\/li>\n\n\n\n<li>Experien<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cadasc\u00fa compleix funcions diferents. Per\u00f2 per con\u00e8ixer el risc bancari real, el m\u00e9s complet \u00e9s el <strong>informe CIRBE<\/strong> del <strong>Banc d&#039;Espanya<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_verificar_si_tienes_creditos_a_tu_nombre\"><\/span>Com puc verificar si tens cr\u00e8dits al teu nom?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La forma m\u00e9s fiable \u00e9s a trav\u00e9s del teu <strong>CIRBE consulta<\/strong>. Aquest informe revelar\u00e0 si hi ha pr\u00e9stecs, avals o cr\u00e8dits registrats. Si no en reconeixes algun, podries estar davant d&#039;un cas de <strong>suplantaci\u00f3 d&#039;identitat<\/strong> o error administratiu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tipos_de_prestamos_y_deudas_en_el_CIRBE\"><\/span><strong>Tipus de pr\u00e9stecs i deutes al CIRBE<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Els tipus de deute que solen apar\u00e8ixer s\u00f3n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Hipoteques<\/strong>: reflecteixen el capital pendent.<\/li>\n\n\n\n<li><strong>Pr\u00e9stecs personals<\/strong>: amb detall d&#039;import i quotes.<\/li>\n\n\n\n<li><strong>Targetes de cr\u00e8dit<\/strong>: nom\u00e9s si el saldo supera els 1.000 \u20ac.<\/li>\n\n\n\n<li><strong>Cr\u00e8dits a empreses o aut\u00f2noms<\/strong><\/li>\n\n\n\n<li><strong>Avals personals<\/strong> i garanties solid\u00e0ries.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_prestamos_no_salen_en_el_CIRBE_Aclarar_mitos_y_excepciones\"><\/span>Quins pr\u00e9stecs no surten al CIRBE? (Aclarir mites i excepcions)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Contrari al que es creu, <strong>no tots els pr\u00e9stecs apareixen al CIRBE<\/strong>. Exclou:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pr\u00e9stecs inferiors a 1.000 \u20ac<\/li>\n\n\n\n<li>Cr\u00e8dits r\u00e0pids en l\u00ednia<\/li>\n\n\n\n<li>Finan\u00e7aments de botigues sense intermediaci\u00f3 banc\u00e0ria<\/li>\n\n\n\n<li>Productes atorgats per <strong>financeres que no miren CIRBE<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Consulta aquest llistat actualitzat de <strong><a href=\"https:\/\/www.avafin.es\/ca\/bloc\/financeres-que-no-miren-cirbe\/\" target=\"_blank\" rel=\"noreferrer noopener\">financeres que no miren CIRBE<\/a><\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_tarda_en_desaparecer_una_deuda_de_la_CIRBE\"><\/span>Quan triga a desapar\u00e8ixer un deute del CIRBE?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un cop cancel\u00b7lat el deute, l&#039;entitat ho ha de comunicar al <strong>Banc d&#039;Espanya<\/strong>, qui ho actualitza en el seg\u00fcent cicle mensual. El proc\u00e9s pot trigar entre 30 i 90 dies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Financieras_y_el_CIRBE_%C2%BFQuien_lo_consulta\"><\/span><strong>Financeres i el CIRBE: \u00bf Qui ho consulta?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El consulten principalment:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bancs i caixes destalvi<\/li>\n\n\n\n<li>Cooperatives de cr\u00e8dit<\/li>\n\n\n\n<li>Financeres regulades<\/li>\n\n\n\n<li>Supervisors del <strong>Banc d&#039;Espanya<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aquestes entitats accedeixen al teu informe CIRBE abans de concedir-te un nou producte financer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Financieras_que_no_miran_CIRBE_Opciones_y_consideraciones\"><\/span>Financeres que no miren CIRBE: Opcions i consideracions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tens deutes registrats i necessites un pr\u00e9stec? Hi ha <strong>financeres que no miren CIRBE<\/strong>. Treballen amb els seus propis models de scoring, per\u00f2 has de tenir en compte:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Solen tenir interessos m\u00e9s elevats<\/li>\n\n\n\n<li>Requereixen ingressos demostrables<\/li>\n\n\n\n<li>Poden demanar garantia o aval<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Informa&#039;t detalladament sobre aquestes entitats aqu\u00ed: <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/financeres-que-no-miren-cirbe\/\"><strong>financeres que no miren CIRBE<\/strong><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFDonde_miran_los_bancos_si_tienes_deudas\"><\/span>On miren els bancs si tens deutes?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s de la <strong>CIRB<\/strong>, els bancs consulten:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fitxers de morositat (ASNEF, RAI)<\/li>\n\n\n\n<li>Historial intern del client<\/li>\n\n\n\n<li>Comportament de pagaments a altres entitats<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s una visi\u00f3 360 \u00ba que els permet prendre decisions de risc m\u00e9s encertades.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion_La_importancia_de_conocer_y_gestionar_tu_CIRBE\"><\/span><strong>Conclusi\u00f3: La import\u00e0ncia de con\u00e8ixer i gestionar el teu CIRBE<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Entendre <strong>qu\u00e8 \u00e9s el CIRBE<\/strong> i com funciona \u00e9s una pe\u00e7a clau per gestionar adequadament la teva vida financera. Aquest informe no nom\u00e9s reflecteix el teu historial creditici davant del <strong>Banc d&#039;Espanya<\/strong>, sin\u00f3 que tamb\u00e9 determina com et perceben les entitats banc\u00e0ries quan avaluen la teva capacitat per accedir a nous productes financers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Con\u00e8ixer la informaci\u00f3 que figura al teu <strong>CIRB<\/strong>, consultar-la peri\u00f2dicament i assegurar-te que estigui lliure d&#039;errors et permet anticipar-te a possibles rebutjos de cr\u00e8dit, millorar el teu perfil financer i prendre decisions m\u00e9s informades. A m\u00e9s, saber quines operacions es registren, com desapareixen els deutes o qu\u00e8 <strong>financeres no miren CIRBE<\/strong> et d\u00f3na avantatge competitiu al moment de buscar finan\u00e7ament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En un entorn on cada detall compta, <strong>gestionar proactivament el teu CIRBE \u00e9s una pr\u00e0ctica de responsabilitat financera que tots haur\u00edem d&#039;adoptar<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I si necessites opcions de finan\u00e7ament flexibles, fins i tot quan tens deutes registrats, et convidem a visitar <a href=\"https:\/\/www.avafin.es\/ca\/\">avafin.es<\/a>, on trobar\u00e0s solucions pensades per a tu<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center header-full-dots\"><span class=\"ez-toc-section\" id=\"%C2%BFListo_para_solicitar_tu_prestamo\"><\/span><span>\u00bf<strong>A punt per sol\u00b7licitar el teu pr\u00e9stec?<\/strong><\/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>","protected":false},"excerpt":{"rendered":"<p>Si est\u00e1s considerando solicitar un pr\u00e9stamo, financiar un coche o acceder a una hipoteca, es muy probable que te encuentres con un t\u00e9rmino clave: CIRBE. Comprender qu\u00e9 es el CIRBE y c\u00f3mo puede afectar tu historial crediticio es fundamental para tomar decisiones financieras con seguridad. La Central de Informaci\u00f3n de Riesgos del Banco de Espa\u00f1a [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":6031,"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":[24,23],"tags":[],"class_list":["post-6030","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>\u00bfQu\u00e9 es el CIRBE? Descubre c\u00f3mo afecta tu historial crediticio | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Aprende qu\u00e9 es el CIRBE, c\u00f3mo consultarlo, qu\u00e9 informaci\u00f3n contiene y c\u00f3mo influye en tus finanzas personales.\" \/>\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-es-el-cirb\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 es el CIRBE? 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