{"id":6149,"date":"2025-06-20T12:16:12","date_gmt":"2025-06-20T10:16:12","guid":{"rendered":"https:\/\/www.avafin.es\/?p=6149"},"modified":"2026-07-23T10:22:27","modified_gmt":"2026-07-23T08:22:27","slug":"prestem-per-bizum","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/prestamo-por-bizum","title":{"rendered":"Pr\u00e9stec per Bizum: viabilitat, fiabilitat i alternatives\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">En un post anterior expliquem <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-bizum\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>qu\u00e8 \u00e9s Bizum<\/strong><\/a> i el seu funcionament, destacant el seu \u00e8xit com a sistema per <strong>fer enviaments immediats de diners<\/strong>.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Precisament pels seus avantatges per fer transfer\u00e8ncies al moment, cal plantejar-se si es pot obtenir un <strong>pr\u00e9stec per Bizum<\/strong>, una cosa que de primeres sona molt b\u00e9 per cobrir emerg\u00e8ncies econ\u00f2miques, encara que ja veurem com resulta de problem\u00e0tic\u2026&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Amb l&#039;objectiu de no deixar cap angle sense cobrir, en aquesta publicaci\u00f3 abordarem els <strong>pr\u00e9stecs amb Bizum<\/strong> des de la totalitat de<strong> vessants<\/strong> que resultarien plantejables:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pr\u00e9stecs sense \u00e0nim de lucre que puguin fer <strong>amics o familiars<\/strong> per deixar diners a familiars.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cr\u00e8dit bancari tradicional<\/strong> que pugui servir-se daquest sistema per accelerar la disposici\u00f3 dels fons en pr\u00e9stecs aprovats als seus clients.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pr\u00e9stecs per Bizum<\/strong> concedits per <strong>prestadors particulars<\/strong>, l&#039;opci\u00f3 que realment s\u00ed que podria estar m\u00e9s a l&#039;abast de la m\u00e0 en l&#039;\u00e0mbit del <a href=\"https:\/\/www.avafin.es\/ca\/credits\/resposta-immediata\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>cr\u00e8dit r\u00e0pid<\/strong><\/a>, per m\u00e9s que es tracti d&#039;una soluci\u00f3 <strong>for\u00e7a desaconsellable<\/strong>, com explicarem tamb\u00e9.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, informarem d&#039;alternatives que no tenen els inconvenients quant a<strong> confian\u00e7a<\/strong> d&#039;aquest tipus de pr\u00e9stecs, i garanteixen la <strong>m\u00e0xima celeritat<\/strong>, tant en l&#039;aprovaci\u00f3 de la petici\u00f3 de cr\u00e8dit com en l&#039;obtenci\u00f3 dels diners per <strong>transfer\u00e8ncia urgent<\/strong>. Parlem dels <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pr\u00e9stecs<\/strong><\/a> de <strong>AvaFin<\/strong>, els avantatges dels quals t&#039;exposarem al final amb detall.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Abans d&#039;entrar en mat\u00e8ria amb tot all\u00f2 prom\u00e8s, expliquem breument la <strong>utilitzaci\u00f3 <\/strong>i el<strong> funcionament de Bizum<\/strong>.&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\">\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\/prestamo-por-bizum\/#Bizum_para_que_se_utiliza_y_como\" >Bizum: per a qu\u00e8 s&#039;utilitza i com&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\/prestamo-por-bizum\/#%C2%BFComo_puedo_solicitar_dinero_con_Bizum\" >Com puc sol\u00b7licitar diners amb Bizum?&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\/prestamo-por-bizum\/#%C2%BFCuanto_dinero_se_puede_solicitar_por_Bizum\" >Quants diners es poden sol\u00b7licitar per Bizum?&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamo-por-bizum\/#%C2%BFPuedo_pedir_un_prestamo_por_Bizum\" >Puc demanar un pr\u00e9stec per Bizum?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamo-por-bizum\/#Prestamistas_que_otorgan_prestamos_por_Bizum_precauciones_basicas\" >Prestamistes que atorguen pr\u00e9stecs per Bizum: precaucions b\u00e0siques&nbsp;<\/a><\/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\/prestamo-por-bizum\/#Requisitos_para_solicitar_un_prestamo_por_Bizum\" >Requisits per sol\u00b7licitar un pr\u00e9stec per Bizum&nbsp;<\/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\/prestamo-por-bizum\/#%C2%BFComo_pagar_mi_prestamo_por_Bizum\" >Com pagar el meu pr\u00e9stec per Bizum?&nbsp;<\/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\/prestamo-por-bizum\/#%C2%A1Solicita_ahora_tu_Prestamo\" >Demana ara el teu Pr\u00e9stec!<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Bizum_para_que_se_utiliza_y_como\"><\/span>Bizum: per a qu\u00e8 s&#039;utilitza i com&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Per a qui no s\u00e0piga encara<strong> qu\u00e8 significa Bizum<\/strong>, es tracta d&#039;un <strong>sistema instantani<\/strong> per <strong>pagaments entre particulars<\/strong>, encara que despr\u00e9s es va ampliar per a compres en negocis, adquisici\u00f3 d&#039;entrades, etc.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per\u00f2 no est\u00e0 autoritzada la seva utilitzaci\u00f3 com a canal per a l&#039;operativa credit\u00edcia, per la qual cosa podem anticipar des de que el <strong>pr\u00e9stec per Bizum no existeix a l&#039;\u00e0mbit bancari<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Actualment Bizum s&#039;usa a trav\u00e9s de les <strong>aplicacions de banca en l\u00ednia <\/strong>de la major part d&#039;entitats banc\u00e0ries espanyoles, permetent amb la simple selecci\u00f3 d&#039;un <strong>n\u00famero de tel\u00e8fon<\/strong> l&#039;enviament, la recepci\u00f3 i fins i tot la sol\u00b7licitud de diners al moment.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFComo_puedo_solicitar_dinero_con_Bizum\"><\/span>Com puc sol\u00b7licitar diners amb Bizum?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s possible sol\u00b7licitar un<strong> &#039;pr\u00e9stec&#039; per Bizum <\/strong>a un<strong> amic <\/strong>o un<strong> familiar<\/strong> (encara que despr\u00e9s farem una recomanaci\u00f3 b\u00e0sica per evitar malentesos).&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I tamb\u00e9, per descomptat, demanar la <strong>quantitat exacta deguda<\/strong> a qui s&#039;hagi despistat amb un <strong>pagament pendent<\/strong> que tingui amb nosaltres pel motiu que sigui: un compte compartit a un restaurant, unes entrades, una reserva d&#039;allotjament, la part corresponent d&#039;un regal\u2026.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El procediment per <strong>sol\u00b7licitar diners per Bizum<\/strong> seria:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Accedir per laplicaci\u00f3 banc\u00e0ria.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Buscar el <strong>logo de Bizum<\/strong> al men\u00fa de l&#039;app o teclejant a la lupa.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>Un cop dins, seleccioneu &#039;<strong>sol\u00b7licitar diners<\/strong>&#8216;.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>Triar el <strong>n\u00famero de tel\u00e8fon<\/strong> del destinatari de la petici\u00f3.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li>Indicar el<strong> import<\/strong>.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li>Escriure un <strong>assumpte<\/strong>, que seria opcional per\u00f2 recomanable en aquest tipus de peticions.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"7\" class=\"wp-block-list\">\n<li><strong>Confirma <\/strong>i enviar la sol\u00b7licitud.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Un cop completats tots els passos, la transfer\u00e8ncia dels diners dependr\u00e0 de l&#039;acceptaci\u00f3 de la <strong>una altra persona<\/strong>, a la qual us arribar\u00e0 una notificaci\u00f3 a l&#039;instant, i tindr\u00e0 <strong>7 dies<\/strong> per acceptar la petici\u00f3. Si l&#039;autoritza, nom\u00e9s fer-ho es rep els diners al compte vinculat a Bizum.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_dinero_se_puede_solicitar_por_Bizum\"><\/span>Quants diners es poden sol\u00b7licitar per Bizum?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si parlem del <strong>l\u00edmit de Bizum diari<\/strong>, segons la seva <a href=\"https:\/\/bizum.com\/es\/blog\/importe-maximo-bizum\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>bloc oficial<\/strong><\/a> serien <strong>2.000 euros <\/strong>el m\u00e0xim que es pot sol\u00b7licitar o rebre. A m\u00e9s, al mes nom\u00e9s s&#039;autoritzen <strong>60 operacions<\/strong> del tipus que sigui.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00f2 no obstant, en tractar-se d&#039;una aplicaci\u00f3 integrada en els serveis de banca online corresponents, cada entitat marca les seves pr\u00f2pies regles. Per exemple, en el cas de<strong> CaixaBank<\/strong> el l\u00edmit per cada operaci\u00f3 \u00e9s de <strong>500 euros<\/strong>.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_pedir_un_prestamo_por_Bizum\"><\/span>Puc demanar un pr\u00e9stec per Bizum?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La possibilitat de demanar un pr\u00e9stec per Bizum <strong>dependria del tipus de pr\u00e9stec <\/strong>que estiguem parlant.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si ens referim al fet que un <strong>amic o familiar presti uns diners<\/strong>, efectivament ho pots sol\u00b7licitar a trav\u00e9s de Bizum. Per\u00f2 et recomanem que abans d&#039;enviar la petici\u00f3 ho <strong>parlis amb la persona<\/strong>, per la senzilla ra\u00f3 que en ser molt inhabituals les notificacions de sol\u00b7licitud es <strong>confonen amb les d&#039;ingr\u00e9s<\/strong>, i se li d\u00f3na l&#039;&#039;ok&#039; al que s&#039;interpreta com la <strong>recepci\u00f3 d&#039;un bizum<\/strong>. De fet, aquesta confusi\u00f3 freq\u00fcent \u00e9s aprofitada en molts intents d&#039;estafa perqu\u00e8 les v\u00edctimes piquin.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, cal valorar que no <strong>es pot anul\u00b7lar un Bizum<\/strong>, encara que estaria l&#039;opci\u00f3 de tornar els diners amb una operaci\u00f3 normal d&#039;enviament.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per evitar malentesos amb els que volem que ens facin un favor prestant-nos diners, \u00e9s millor <strong>comentar-ho abans<\/strong>, i despr\u00e9s ja utilitzar Bizum si es desitja com a mitj\u00e0 per aconseguir els diners amb rapidesa.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Amb tot, ja es parli pr\u00e8viament o no, encara que especialment si no es fa, \u00e9s recomanable completar el <strong>camp opcional d&#039;assumpte amb l&#039;al\u00b7lusi\u00f3 al pr\u00e9stec<\/strong>, per tal que siguin m\u00e9s dif\u00edcils els errors d&#039;interpretaci\u00f3.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si parlem de pr\u00e9stecs per Bizum d&#039;entitats banc\u00e0ries, com hem anticipat abans no \u00e9s un canal que tinguin habilitat per a la concessi\u00f3 de cr\u00e8dit, avui dia almenys. I encara que a futur arrib\u00e9s a autoritzar-se, els bancs per m\u00e9s que poguessin acceptar aquesta via per rebre peticions o fer els ingressos estarien abocats per llei a un <strong>proc\u00e9s previ de comprovaci\u00f3 que alenteix les operacions<\/strong>, llevat que es tracti dels formats <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/prestem-preconcedits\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>preconcedits<\/strong><\/a>, limitats a clients d&#039;un perfil determinat.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Els \u00fanics pr\u00e9stecs per Bizum que s\u00f3n una realitat s\u00f3n els que ofereixen <strong>alguns prestadors particulars<\/strong>, els qui precisament utilitzen aquest <strong>reclam <\/strong>per atraure persones que estiguin buscant <strong>diners urgents<\/strong>, tal com succeeix amb els <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/prestem-paypal\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pr\u00e9stecs per PayPal<\/strong><\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No obstant aix\u00f2, conv\u00e9 tenir <strong>molta cura<\/strong> amb aquest tipus de pr\u00e9stecs.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Primerament, perqu\u00e8 <strong>no s&#039;ajusten als termes i condicions de l&#039;\u00fas de Bizum<\/strong>, un sistema concebut per <strong>operacions entre particulars<\/strong>, no per a la seva utilitzaci\u00f3 per serveis de finan\u00e7ament, que en tot cas nom\u00e9s els podria oferir un particular en qualitat de professional.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hi ha disponible una versi\u00f3 de <strong>Bizum per a professionals i empreses<\/strong>per\u00f2 est\u00e0 enfocada al cobrament mitjan\u00e7ant TPV (targeter) f\u00edsic o virtual, no a la realitzaci\u00f3 de pagaments.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00ed, doncs, els pr\u00e9stecs per Bizum que puguin oferir <strong>prestadors particulars <\/strong>estarien en una <strong>zona grisa<\/strong>, i aix\u00f2 suposant que ens referim a un professional del sector que aporti un <strong>servei leg\u00edtim<\/strong>, ja que molts estafadors utilitzen aquest <strong>ganxo <\/strong>per captar per internet o per les xarxes socials persones que passen per problemes econ\u00f2mics. El prop\u00f2sit pot ser accedir a informaci\u00f3 cr\u00edtica financera de la v\u00edctima, o b\u00e9 fer-se directament amb determinades quantitats a compte de comissions presumptes d&#039;obertura d&#039;un pr\u00e9stec inexistent.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Prestamistas_que_otorgan_prestamos_por_Bizum_precauciones_basicas\"><\/span>Prestamistes que atorguen pr\u00e9stecs per Bizum: precaucions b\u00e0siques&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hem vist que la via dels <strong>pr\u00e9stecs per Bizum<\/strong> pot resultar for\u00e7a<strong> incerta <\/strong>i fins i tot <strong>perillosa<\/strong>. Si malgrat aix\u00f2, vols buscar prestadors que els ofereixin, almenys segueix aquests <strong>consells b\u00e0sics<\/strong>:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tria professionals de reputaci\u00f3 contrastada, ja sigui per refer\u00e8ncies directes o indirectes, en ressenyes leg\u00edtimes i informaci\u00f3 fiable que puguis trobar per Internet. Aix\u00ed, no n&#039;hi ha prou de fer una cerca a Google posant &#039;<strong>prestadors Bizum&#039;<\/strong> o similars. De la mateixa manera, que no resulta recomanable refiar-se perqu\u00e8 s\u00ed en la primera cosa que aparegui en teclejar &#039;<a href=\"https:\/\/www.avafin.es\/ca\/bloc\/particular-presta-diners-urgents\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>particular presta diners urgents<\/strong><\/a>&#039; o &#039;<strong>prestador particular a domicili a prop de Saragossa<\/strong>&#039;, pel fet que poden ser esquers per captar persones amb problemes econ\u00f2mics, ja sigui amb \u00e0nim d&#039;estafa o d&#039;aprofitar-se de la seva necessitat de diners per establir unes <strong>condicions abusives<\/strong>.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A efectes de <strong>confian\u00e7a <\/strong>sumar\u00e0 punts que en tingui una <strong>web <\/strong>en qu\u00e8 apareguin dades clau com la seva <strong>CIF professional<\/strong>, havent de desconfiar si no hi ha cap rastre del prestador, at\u00e8s que si proporciona un servei leg\u00edtim no t\u00e9 cap sentit que sigui <strong>clandest\u00ed<\/strong>.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Escull un prestador que compleixi l&#039;obligaci\u00f3 legal d&#039;elaborar i <strong>signar un contracte de pr\u00e9stec<\/strong>. Haur\u00e0 de passar-te el document perqu\u00e8 el rubricis, sense ficar-te pressa, perqu\u00e8 puguis comprovar detingudament totes les <strong>condicions<\/strong>: quantitat a tornar, termini per fer-ho, interessos aplicats, comissions, penalitzacions per retard, etc.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tingues en compte que els <strong>pr\u00e9stecs per Bizum<\/strong>, per molt seductors que semblin per la rapidesa del sistema d&#039;ingr\u00e9s, en resultar tan <strong>problem\u00e0tics<\/strong> per tenir la seguretat que l&#039;operaci\u00f3 ofereix totes les garanties comporten una s\u00e8rie de <strong>comprovacions pr\u00e8vies<\/strong> que, al cap ia la fi, <strong>alentiran molt el proc\u00e9s<\/strong>, per poc que es vulguin fer b\u00e9 les coses per almenys minimitzar riscos.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, si busques <strong>diners urgents<\/strong> sempre seran millor opci\u00f3 els <a href=\"https:\/\/www.avafin.es\/ca\/credits\/en-linia\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>cr\u00e8dits en l\u00ednia<\/strong><\/a> que oferim a <strong>AvaFin<\/strong>.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Som una <strong>fintech <\/strong>avalada per la <strong>confian\u00e7a <\/strong>de <strong>infinitat de clients<\/strong> que compten amb nosaltres cada vegada que en t\u00e9 una <strong>emerg\u00e8ncia econ\u00f2mica<\/strong>, doncs reben el seu ingr\u00e9s a l&#039;instant per <strong>transfer\u00e8ncia immediata<\/strong> amb totes les garanties de<strong> seguretat<\/strong>, i sabent tota la informaci\u00f3 clau de l&#039;operaci\u00f3 des del principi, gr\u00e0cies a recursos com la nostra <a href=\"https:\/\/www.avafin.es\/ca\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>eina de simulaci\u00f3<\/strong><\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, tamb\u00e9 gestionem <a href=\"https:\/\/www.avafin.es\/ca\/prestem-per-whatsapp\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pr\u00e9stecs per WhatsApp<\/strong><\/a> si vols agilitzar al m\u00e0xim el proc\u00e9s, i gestionar f\u00e0cilment la teva sol\u00b7licitud des del m\u00f2bil.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Requisitos_para_solicitar_un_prestamo_por_Bizum\"><\/span>Requisits per sol\u00b7licitar un pr\u00e9stec per Bizum&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Com que avui els pr\u00e9stecs per Bizum nom\u00e9s els brinden els prestadors particulars, els<strong> requisits <\/strong>dependran dels que estableixi <strong>cadascun <\/strong>d&#039;ells.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En general solen <strong>ser senzills de complir<\/strong>, pel perfil a qu\u00e8 va orientat aquest tipus de cr\u00e8dits. Per\u00f2 m\u00e9s que en els requisits, caldria atendre les <strong>condicions associades al pr\u00e9stec<\/strong> quant a quantitat total a tornar, terminis, interessos aplicats, comissions, penalitzacions\u2026 Informaci\u00f3 que ha d&#039;apar\u00e8ixer sempre perfectament clara al preceptiu <strong>contracte del pr\u00e9stec<\/strong>, que no es pot signar mai si hi ha la m\u00e9s <strong>m\u00ednim dubte<\/strong> sobre el que reflecteix, per evitar donar conformitat a <strong>cl\u00e0usules abusives<\/strong> amagades en una redacci\u00f3 ambigua o alambinada.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFComo_pagar_mi_prestamo_por_Bizum\"><\/span>Com pagar el meu pr\u00e9stec per Bizum?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bizum s\u00ed que seria un bon sistema per <strong>tornar petites quantitats<\/strong> que t&#039;hagin pogut <strong>prestar familiars o amics<\/strong>, utilitzant eventualment la mateixa via per on et va poder arribar els diners.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No obstant aix\u00f2, <strong>no seria una bona elecci\u00f3<\/strong> per <strong>tornar un cr\u00e8dit d&#039;un prestador particular<\/strong>, per m\u00e9s que t&#039;hagi fet un pr\u00e9stec per Bizum per disposar dels diners a l&#039;instant.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Diem que no \u00e9s una via adequada, principalment, perqu\u00e8 en efectuar la <strong>devoluci\u00f3 <\/strong>caldria fer constar el <strong>motiu del pagament<\/strong> per poder acreditar-ho davant hipot\u00e8tiques reclamacions del prestador, i aquest \u00fas indegut si \u00e9s detectat pel banc pot ser motiu de <strong>bloqueig de Bizum<\/strong>. A m\u00e9s, en cas de traduir-se en un retard en els terminis de lliurament podrien aplicar <strong>interessos de demora<\/strong> si aix\u00ed s&#039;ha estipulat contractualment.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si ja <strong>t&#039;has comprom\u00e8s<\/strong> amb un prestador a tornar el pr\u00e9stec per Bizum, el <strong>proc\u00e9s per enviar diners<\/strong> seria:&nbsp;&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Des de la <strong>app del teu banc<\/strong>, accediu a l&#039;opci\u00f3 Bizum.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Tria &#039;enviar diners&#039;, selecciona el <strong>nom del contacte<\/strong> o introdu\u00efu el n\u00famero de m\u00f2bil del destinatari si no el teniu a l&#039;agenda del tel\u00e8fon.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>Posa el <strong>import <\/strong>i un concepte, una cosa molt important. Si est\u00e0s pagant de manera fraccionada posa &#039;pagament pr\u00e9stec mes x&#039;.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Confirma<\/strong> l&#039;operaci\u00f3, fixant-te que tot estigui correcte. Els <strong>errors a Bizum<\/strong> s\u00f3n molt habituals.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li>Des de l&#039;opci\u00f3 <strong>&#039;veure \u00faltims moviments&#039;<\/strong> podr\u00e0s comprovar si s&#039;ha fet correctament.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9 caldria cenyir-se als propis <strong>l\u00edmits operatius de Bizum<\/strong>, o els impostos per al seu \u00fas per la<strong> entitat banc\u00e0ria <\/strong>que ens d\u00f3na acc\u00e9s al servei, atesa la possibilitat que algun dels pagaments excedeixi les quantitats permeses i no es pot processar sense fraccionar-ho.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Recorda a m\u00e9s que l&#039;amena\u00e7a de <strong>bloqueig del servei<\/strong> sempre estar\u00e0 sobrevolant, ja que \u00e9s un \u00fas no autoritzat, en orientar-se Bizum a <strong>pagaments entre particulars<\/strong> i no a serveis de finan\u00e7ament.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, encara que rebis un <strong>pr\u00e9stec per Bizum<\/strong>, una opci\u00f3 ja de per si dubtosa, mai \u00e9s recomanable que es faci servir el mateix sistema per a la devoluci\u00f3, podent-se optar per alternatives com les <strong>transfer\u00e8ncies urgents<\/strong>, encara que puguin tenir un petit cost associat.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquest \u00e9s precisament el <strong>sistema<\/strong> que utilitzem a AvaFin per <strong>fer arribar a l&#039;instant<\/strong> els diners dels <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pr\u00e9stecs<\/strong><\/a> que concedim als nostres clients.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00ed, prescindim de m\u00e8todes controvertits, sense que aix\u00f2 suposi renunciar a l&#039;avantatge de <strong>immediatesa <\/strong>d&#039;un ingr\u00e9s que pot sorgir.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, el <strong>proc\u00e9s de sol\u00b7licitud \u00e9s senzill i r\u00e0pid<\/strong>, ja que es tracta de <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/sense-papers\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pr\u00e9stecs sense papers<\/strong><\/a> <strong>ni paperassa<\/strong> oferts amb totes les garanties, enviant-se sempre el contracte i la factura del servei per correu electr\u00f2nic.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a1\u00a1<strong>No te la juguis<\/strong> i compta amb <strong>AvaFin<\/strong> si necessites <a href=\"https:\/\/www.avafin.es\/ca\/diners\/urgent\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>diners urgents<\/strong><\/a>!&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Preguntes freq\u00fcents del pr\u00e9stec per Bizum<\/strong>&nbsp;<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1750414029160\"><strong class=\"schema-faq-question\"><strong>On rebo el pr\u00e9stec per Bizum?<\/strong>\u00a0<\/strong> <p class=\"schema-faq-answer\">Sempre es <strong>rebria els diners<\/strong> del pr\u00e9stec a la <strong>compte del banc<\/strong> que tinguis vinculada a Bizum.<br\/>\u00a0<br\/>Per aix\u00f2, resulta obligatori disposar de <strong>compte bancari en una entitat espanyola<\/strong>, ja que ni <strong>Moneytrans t\u00e9 Bizum<\/strong>, ni <strong>Nickel t\u00e9 Bizum<\/strong> ni altres serveis de pagaments i cobraments aliens als bancs tampoc.\u00a0<br\/><br\/>Considera tamb\u00e9 que per disposar del servei haur\u00e0s de tenir activa la <strong>aplicaci\u00f3 de banca en l\u00ednia<\/strong>, amb Bizum habilitat i degudament configurat.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1750414053800\"><strong class=\"schema-faq-question\"><strong>A partir de quant cal declarar bizums?<\/strong>\u00a0<br\/><\/strong> <p class=\"schema-faq-answer\">Per a Bizum apliquen les mateixes normes que per a les <strong>transfer\u00e8ncies banc\u00e0ries<\/strong>, per tant els bizums han de declarar-se a Hisenda pels mateixos bancs si arriben als <strong>10.000 euros<\/strong>.<br\/><br\/><strong>A m\u00e9s<\/strong>, l&#039;Ag\u00e8ncia Tribut\u00e0ria t\u00e9 la potestat d&#039;investigar les transfer\u00e8ncies d&#039;efectiu que superin els <strong>3.000 euros<\/strong>, sense que serveixi per escapar de la vigil\u00e0ncia trossejar-les en diversos pagaments, com for\u00e7osament s&#039;hauria de fer per no depassar els l\u00edmits de Bizum.\u00a0<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center header-full-dots\"><span class=\"ez-toc-section\" id=\"%C2%A1Solicita_ahora_tu_Prestamo\"><\/span><span>Demana ara el teu Pr\u00e9stec!<\/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>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>En un post anterior explicamos qu\u00e9 es Bizum y su funcionamiento, destacando su \u00e9xito como sistema para hacer env\u00edos inmediatos de dinero.\u00a0 Precisamente por sus ventajas para realizar transferencias al momento, cabe plantearse si se puede obtener un pr\u00e9stamo por Bizum, algo que de primeras suena muy bien para cubrir emergencias econ\u00f3micas, aunque ya veremos [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":6153,"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":[24,23,21],"tags":[],"class_list":["post-6149","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","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>Pr\u00e9stamo por Bizum: viabilidad, fiabilidad y alternativas\u00a0 | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Vemos si es posible recibir pr\u00e9stamos por Bizum, los problemas de obtenerlos por esta v\u00eda y opciones confiables para acceder a dinero r\u00e1pido.\" \/>\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\/prestem-per-bizum\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00e9stamo por Bizum: viabilidad, fiabilidad y alternativas\u00a0 | AvaFin Espa\u00f1a\" \/>\n<meta property=\"og:description\" content=\"Vemos si es posible recibir pr\u00e9stamos por Bizum, los problemas de obtenerlos por esta v\u00eda y opciones confiables para acceder a dinero r\u00e1pido.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.avafin.es\/ca\/bloc\/prestem-per-bizum\" \/>\n<meta property=\"og:site_name\" content=\"AvaFin Espa\u00f1a\" \/>\n<meta property=\"article:published_time\" 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