{"id":7004,"date":"2025-10-13T13:14:20","date_gmt":"2025-10-13T11:14:20","guid":{"rendered":"https:\/\/www.avafin.es\/?p=7004"},"modified":"2025-10-13T13:14:22","modified_gmt":"2025-10-13T11:14:22","slug":"com-es-declara-un-prestec-personal","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal","title":{"rendered":"Com es declara un pr\u00e9stec personal a la Renda 2025"},"content":{"rendered":"<p><strong>No saps com es declara un pr\u00e9stec personal davant d&#039;Hisenda?<\/strong> Aquest \u00e9s un dubte freq\u00fcent entre els que han sol\u00b7licitat finan\u00e7ament i temen cometre errors en fer la declaraci\u00f3 de la renda. Sol\u00b7licitar un pr\u00e9stec pot semblar senzill, per\u00f2 quan arriba el moment de presentar l&#039;IRPF, sorgeixen moltes preguntes: cal declarar els pr\u00e9stecs personals? Un pr\u00e9stec es considera ingr\u00e9s? T\u00e9 alguna implicaci\u00f3 fiscal? En aquesta guia completa responem amb claredat a totes aquestes q\u00fcestions i us expliquem pas a pas com declarar un pr\u00e9stec personal correctament, quan informar a Hisenda i quins aspectes has de tenir en compte per evitar sancions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cal declarar els pr\u00e9stecs personals? La difer\u00e8ncia entre ingr\u00e9s i deute<\/strong><\/h2>\n\n\n\n<p>Un dels dubtes m\u00e9s comuns en fer la declaraci\u00f3 de la renda \u00e9s si <strong>cal declarar els pr\u00e9stecs personals<\/strong> com a part dels ingressos. La resposta curta \u00e9s: <strong>no, en la majoria dels casos no es declaren<\/strong>, perqu\u00e8 un pr\u00e9stec no \u00e9s un ingr\u00e9s real, sin\u00f3 una obligaci\u00f3 futura.<\/p>\n\n\n\n<p>La difer\u00e8ncia clau \u00e9s entendre que <strong>un ingr\u00e9s augmenta el teu patrimoni de forma definitiva<\/strong>, mentre que una <strong>deute representa una obligaci\u00f3 de pagament<\/strong>. Quan reps un pr\u00e9stec, aquests diners no s\u00f3n teus com a guany, sin\u00f3 que els has de tornar en un termini i sota unes condicions determinades. Per tant, no suposa un increment patrimonial a efectes fiscals.<\/p>\n\n\n\n<p><strong>Exemple pr\u00e0ctic<\/strong>: Si demanes un pr\u00e9stec de 6.000 euros a una entitat financera per reformar la teva cuina, aquests diners no s\u00f3n un guany ni un rendiment de la feina. Solament \u00e9s un capital que et presten amb el comprom\u00eds de devoluci\u00f3. Per aix\u00f2 no forma part del c\u00e0lcul de l&#039;IRPF.<\/p>\n\n\n\n<p>Aix\u00f2 s\u00ed, \u00e9s important conservar la documentaci\u00f3 (contracte, justificants de pagament, etc.) per acreditar davant d&#039;Hisenda que es tracta d&#039;un pr\u00e9stec i no d&#039;una donaci\u00f3 o ingr\u00e9s no justificat, especialment quan el pr\u00e9stec \u00e9s entre particulars o l&#039;import \u00e9s elevat.<\/p>\n\n\n\n<p>En resum, encara <strong>no cal declarar els pr\u00e9stecs personals com a renda<\/strong>, s\u00ed que \u00e9s fonamental poder demostrar el seu origen per evitar possibles problemes fiscals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Un pr\u00e9stec es considera ingr\u00e9s, s\u00ed o no?<\/strong><\/h2>\n\n\n\n<p>La resposta directa \u00e9s <strong>no, un pr\u00e9stec no es considera ingr\u00e9s<\/strong> a efectes fiscals. Tot i aix\u00f2, aquesta afirmaci\u00f3 requereix alguns matisos importants.<\/p>\n\n\n\n<p>Un pr\u00e9stec implica que reps una quantitat de diners amb l&#039;obligaci\u00f3 de tornar-la, per tant <strong>no representa un benefici econ\u00f2mic net<\/strong> ni un increment en el teu patrimoni. Per tant, <strong>Hisenda no el tracta com un ingr\u00e9s tributable<\/strong> a l&#039;IRPF.<\/p>\n\n\n\n<p>Ara b\u00e9, si aquests diners entren al teu compte bancari i <strong>no pots justificar-ne la proced\u00e8ncia amb un contracte o documentaci\u00f3 clara<\/strong>, Hisenda podria <strong>presumir que \u00e9s un ingr\u00e9s encobert<\/strong>. En aquest cas, podries veure&#039;t obligat a pagar impostos per uns diners que, en realitat, s\u00f3n un pr\u00e9stec.<\/p>\n\n\n\n<p>Aix\u00f2 \u00e9s especialment important en pr\u00e9stecs informals, com els que es fan entre familiars o amics. Sense suport documental que demostri la naturalesa de l&#039;acord, pots tenir problemes davant d&#039;una inspecci\u00f3 tribut\u00e0ria.<\/p>\n\n\n\n<p>Per aix\u00f2, encara <strong>un pr\u00e9stec no es considera ingr\u00e9s<\/strong>, \u00e9s crucial comptar amb proves que ho acreditin per evitar conflictes amb l&#039;Ag\u00e8ncia Tribut\u00e0ria.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 passa si no declaro un pr\u00e9stec (l&#039;obligaci\u00f3 informativa)<\/strong><\/h2>\n\n\n\n<p>Encara que no sempre sigui obligatori declarar-ho a la renda, <strong>s\u00ed que pots estar obligat a informar-ne si Hisenda ho requereix<\/strong>. Per exemple:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si el pr\u00e9stec \u00e9s entre particulars i supera els 3.000 euros.<\/li>\n\n\n\n<li>Si es tracta de quantitats elevades que entren al vostre compte bancari i Hisenda detecta un increment patrimonial no justificat.<\/li>\n<\/ul>\n\n\n\n<p><strong>Qu\u00e8 passa si no declaro un pr\u00e9stec?<\/strong> Podries enfrontar-te a una <strong>presumpci\u00f3 d&#039;ingr\u00e9s no declarat<\/strong>, amb la conseg\u00fcent liquidaci\u00f3 d&#039;impostos, sancions o interessos de demora.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Com declarar un pr\u00e9stec personal i els seus components<\/strong><\/h2>\n\n\n\n<p>En cas que hagis de declarar el pr\u00e9stec o justificar-ho, <strong>aquests s\u00f3n els elements que has de tenir en compte<\/strong>:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Contracte<\/strong>: fonamental, especialment si \u00e9s entre particulars.<\/li>\n\n\n\n<li><strong>Identificaci\u00f3 del prestador i prestatari<\/strong>: amb DNI\/NIF.<\/li>\n\n\n\n<li><strong>Import i condicions<\/strong>: tipus dinter\u00e8s, durada, forma de devoluci\u00f3.<\/li>\n\n\n\n<li><strong>Mitj\u00e0 de pagament<\/strong>: transfer\u00e8ncia banc\u00e0ria, xecs, etc.<\/li>\n<\/ol>\n\n\n\n<p>Quan sigui necessari declarar el pr\u00e9stec, pots fer-ho a trav\u00e9s del <strong>model 600<\/strong> (Impost sobre Transmissions Patrimonials) per deixar const\u00e0ncia legal de l&#039;acord, encara que no se&#039;n tributi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quant cal pagar a hisenda per un pr\u00e9stec personal?<\/strong><\/h2>\n\n\n\n<p>Generalment, <strong>no cal pagar res a Hisenda per un pr\u00e9stec personal<\/strong>. Ni qui el concedeix ni qui el rep tributa per ell, llevat que sigui un pr\u00e9stec gratu\u00eft o amb condicions especials (tipus 0%).<\/p>\n\n\n\n<p>En aquest cas, Hisenda pot considerar que hi ha un guany patrimonial o donaci\u00f3 encoberta.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Com tributa un pr\u00e9stec bancari: els interessos<\/strong><\/h2>\n\n\n\n<p>Tot i que el pr\u00e9stec en si no tributa, els <strong>interessos s\u00ed que tenen implicacions fiscals<\/strong>. Aqu\u00ed \u00e9s on entra un dels dubtes m\u00e9s comuns: <strong>com tributa un pr\u00e9stec bancari<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Per al prestatari (qui rep el pr\u00e9stec)<\/strong>: no desgraven, llevat de casos excepcionals (com certs pr\u00e9stecs hipotecaris antics).<\/li>\n\n\n\n<li><strong>Per al prestador (qui presta els diners)<\/strong>: els interessos que rep <strong>s\u00ed que s&#039;han de declarar com a rendiments del capital mobiliari<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>Per aix\u00f2 \u00e9s important saber <strong>com declarar els interessos d&#039;un pr\u00e9stec<\/strong> correctament a la renda.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quant desgrava un pr\u00e9stec personal? (desgravaci\u00f3 zero generals)<\/strong><\/h2>\n\n\n\n<p>Un dels mites m\u00e9s comuns \u00e9s pensar que <strong>un pr\u00e9stec personal desgrava a la declaraci\u00f3 de la renda<\/strong>. La realitat \u00e9s que <strong>no desgrava en la majoria dels casos<\/strong>.<\/p>\n\n\n\n<p>Llevat que el pr\u00e9stec estigui vinculat a activitats que s\u00ed que permeten deducci\u00f3 (com un negoci, estudis, o reformes energ\u00e8tiques subvencionades), <strong>la desgravaci\u00f3 \u00e9s zero<\/strong>.<\/p>\n\n\n\n<p>M\u00e9s informaci\u00f3 aqu\u00ed: <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/un-prestec-personal-desgrava-en-la-declaracio-de-la-renda\/\">Un pr\u00e9stec personal desgrava a la declaraci\u00f3 de la renda?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pr\u00e9stecs per a consum: la declaraci\u00f3 del pr\u00e9stec cotxe<\/strong><\/h2>\n\n\n\n<p>Els <strong>pr\u00e9stecs personals destinats al consum<\/strong>, com la compra d&#039;un cotxe, tamb\u00e9 generen dubtes habituals en el moment de fer la declaraci\u00f3 de la renda. Cal incloure el pr\u00e9stec a l&#039;IRPF? Es pot desgravar? Com afecta fiscalment?<\/p>\n\n\n\n<p>En aquests casos, <strong>la regla general es mant\u00e9<\/strong>: el pr\u00e9stec cotxe, encara que sigui gestionat a trav\u00e9s d&#039;un banc o concessionari, <strong>no es considera ingr\u00e9s i no s&#039;ha de declarar com a tal<\/strong> a la renda. Simplement est\u00e0s finan\u00e7ant una compra, i Hisenda no ho interpreta com un guany ni com un rendiment econ\u00f2mic.<\/p>\n\n\n\n<p>Aix\u00f2 s\u00ed, \u00e9s recomanable <strong>guardar el contracte de finan\u00e7ament i els justificants de pagament<\/strong>, ja que en cas d&#039;inspecci\u00f3 podrien servir-te per demostrar que no hi ha increment patrimonial.<\/p>\n\n\n\n<p>Un altre punt important \u00e9s que, encara que el pr\u00e9stec no es declari, <strong>el b\u00e9 adquirit s\u00ed que pot tenir implicacions fiscals<\/strong>. Per exemple, si el cotxe es fa servir per a una activitat econ\u00f2mica (com aut\u00f2nom o empresa), podries aplicar deduccions o amortitzacions a la part proporcional a l&#039;\u00fas professional del vehicle.<\/p>\n\n\n\n<p>En definitiva, <strong>el pr\u00e9stec per a cotxe no es declara com a ingr\u00e9s<\/strong>, per\u00f2 conv\u00e9 tenir clar com es fa servir el vehicle i conservar tota la documentaci\u00f3 per a futures refer\u00e8ncies fiscals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pr\u00e9stec cotxe declaraci\u00f3 renda: Hi ha Beneficis Fiscals?<\/strong><\/h3>\n\n\n\n<p>Si et preguntes pel <strong>pr\u00e9stec cotxe i la seva declaraci\u00f3 a la renda<\/strong>, la resposta \u00e9s que <strong>no hi ha una deducci\u00f3 espec\u00edfica<\/strong> per aquest tipus de finan\u00e7ament.<\/p>\n\n\n\n<p>Nom\u00e9s en casos empresarials o si el vehicle es fa servir per a activitats econ\u00f2miques declarades, es podria deduir part del cost.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pr\u00e9stecs personals de baixa suma (Avafin): canvia la regla?<\/strong><\/h2>\n\n\n\n<p>Quan es tracta de <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/\"><strong>pr\u00e9stecs personals<\/strong><\/a><strong> de baix import<\/strong>, com els que ofereix <a href=\"https:\/\/www.avafin.es\/ca\/\">Avafin<\/a>, moltes persones es pregunten si les regles fiscals s\u00f3n diferents. La resposta \u00e9s clara: <strong>no, la normativa fiscal no canvia per la suma del pr\u00e9stec<\/strong>.<\/p>\n\n\n\n<p>Tant si sol\u00b7licites un pr\u00e9stec est\u00e0ndard com si accedeixes a productes espec\u00edfics de menor quantia, com els <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/1000-euro\/\">pr\u00e9stecs de 1.000 euros<\/a>, <strong>aquests pr\u00e9stecs segueixen sense considerar-se ingr\u00e9s<\/strong> i <strong>no generen dret a desgravaci\u00f3<\/strong> a la declaraci\u00f3 de la renda.<\/p>\n\n\n\n<p>Tot i aix\u00f2, per tractar-se de pr\u00e9stecs r\u00e0pids i de f\u00e0cil acc\u00e9s, \u00e9s encara m\u00e9s important <strong>conservar la documentaci\u00f3, el contracte i els justificants bancaris<\/strong>, sobretot si el pr\u00e9stec prov\u00e9 d&#039;una plataforma en l\u00ednia. D&#039;aquesta manera, podreu acreditar f\u00e0cilment l&#039;origen dels fons si Hisenda sol\u00b7licita informaci\u00f3 o detecta moviments sospitosos als vostres comptes.<\/p>\n\n\n\n<p>En resum, <strong>els pr\u00e9stecs personals d&#039;Avafin, independentment de l&#039;import, es regeixen per les mateixes regles fiscals<\/strong>: no tributen com a ingr\u00e9s, per\u00f2 requereixen tra\u00e7abilitat i suport documental per evitar possibles complicacions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Preguntes Freq\u00fcents sobre la ceclaraci\u00f3 a l&#039;IRPF<\/strong><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1760353353725\"><strong class=\"schema-faq-question\"><strong>Com es declaren els pr\u00e9stecs a l&#039;IRPF?<\/strong><\/strong> <p class=\"schema-faq-answer\">No es declaren com a ingr\u00e9s. Nom\u00e9s deus <strong>informar si Hisenda ho sol\u00b7licita<\/strong>, especialment si \u00e9s entre particulars o si l&#039;import \u00e9s elevat. Guarda sempre el contracte.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1760353374641\"><strong class=\"schema-faq-question\"><strong>Un pr\u00e9stec personal desgrava a la declaraci\u00f3 de la renda?<\/strong><\/strong> <p class=\"schema-faq-answer\">No, <strong>un pr\u00e9stec personal no desgrava a la renda<\/strong>, excepte en sup\u00f2sits especials.<br\/>Llegeix m\u00e9s aqu\u00ed: <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/un-prestec-personal-desgrava-en-la-declaracio-de-la-renda\/\">Un pr\u00e9stec personal desgrava a la declaraci\u00f3 de la renda<\/a><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1760353386365\"><strong class=\"schema-faq-question\"><strong>Quina difer\u00e8ncia hi ha entre \u00abpr\u00e9stecs personals\u00bb i \u00abpr\u00e9stecs hipotecaris\u00bb per a Hisenda?<\/strong><\/strong> <p class=\"schema-faq-answer\">&#8211; <strong>Pr\u00e9stecs personals<\/strong>: sense garantia, no solen desgravar, s&#039;utilitzen per a consum.<br\/><strong>&#8211;<\/strong> <strong>Pr\u00e9stecs hipotecaris<\/strong>: tenen garantia real (l&#039;habitatge), poden desgravar en casos espec\u00edfics (com habitatges comprats abans del 2013).<\/p> <\/div> <\/div>\n\n\n\n<p>Entendre <strong>com es declara un pr\u00e9stec personal<\/strong> \u00e9s fonamental per evitar errors fiscals, sancions o interpretacions err\u00f2nies per part d&#039;Hisenda. Encara <strong>cal declarar els pr\u00e9stecs personals<\/strong> nom\u00e9s en certs casos, sempre \u00e9s recomanable comptar amb documentaci\u00f3 clara, contractes ben redactats i justificants de les transfer\u00e8ncies, especialment si es tracta de pr\u00e9stecs entre particulars o de sumes elevades.<\/p>\n\n\n\n<p>Recorda: <strong>un pr\u00e9stec no es considera ingr\u00e9s<\/strong>, per\u00f2 pot tenir implicacions fiscals si no pots demostrar-ne l&#039;origen davant d&#039;una inspecci\u00f3. La transpar\u00e8ncia, la tra\u00e7abilitat i el suport documental s\u00f3n claus per protegir-te davant de possibles revisions tribut\u00e0ries.<\/p>\n\n\n\n<p>Ja sigui per finan\u00e7ar una compra, resoldre un imprevist o posar en marxa un projecte personal, comptar amb un pr\u00e9stec adequat a les teves necessitats \u00e9s una eina \u00fatil i v\u00e0lida, sempre que ho gestions amb responsabilitat.<\/p>\n\n\n\n<p>Si necessites un pr\u00e9stec personal explora les nostres opcions de <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/\">pr\u00e9stecs personals<\/a> des de <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/1000-euro\/\">1.000 euros<\/a> i resol les teves necessitats financeres de manera r\u00e0pida, flexible i sense complicacions. Simula el teu pr\u00e9stec avui i troba el pla que s&#039;adapta millor a tu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Necessites un Pr\u00e9stec Personal?<\/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\">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>No saps com es declara un pr\u00e9stec personal davant d&#039;Hisenda? Aquest \u00e9s un dubte freq\u00fcent entre els que han sol\u00b7licitat finan\u00e7ament i temen cometre errors en fer la declaraci\u00f3 de la renda. Sol\u00b7licitar un pr\u00e9stec pot semblar senzill, per\u00f2 quan arriba el moment de presentar l&#039;IRPF sorgeixen moltes preguntes: cal declarar els pr\u00e9stecs personals?, [\u2026]<\/p>","protected":false},"author":32,"featured_media":7005,"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":[23,21],"tags":[],"class_list":["post-7004","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacion-financiera","category-prestamo"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>C\u00f3mo se declara un pr\u00e9stamo personal en la Renta 2025 | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"\u00bfHay que declarar los pr\u00e9stamos personales en la renta? Descubre si un pr\u00e9stamo se considera ingreso, c\u00f3mo tributa, si desgrava y qu\u00e9 pasa si no lo declaras.\" \/>\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\/com-es-declara-un-prestec-personal\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u00f3mo se declara un pr\u00e9stamo personal en la Renta 2025 | AvaFin Espa\u00f1a\" \/>\n<meta property=\"og:description\" content=\"\u00bfHay que declarar los pr\u00e9stamos personales en la renta? Descubre si un pr\u00e9stamo se considera ingreso, c\u00f3mo tributa, si desgrava y qu\u00e9 pasa si no lo declaras.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal\" \/>\n<meta property=\"og:site_name\" content=\"AvaFin Espa\u00f1a\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/profile.php?id=61569520036083&amp;locale=es_ES\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-13T11:14:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-13T11:14:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/10\/como-se-declara-un-prestamo-personal-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1710\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Alejandra Rangel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/x.com\/AvafinEs\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alejandra Rangel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal\",\"url\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal\",\"name\":\"C\u00f3mo se declara un pr\u00e9stamo personal en la Renta 2025 | AvaFin Espa\u00f1a\",\"isPartOf\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/10\/como-se-declara-un-prestamo-personal-scaled.jpg\",\"datePublished\":\"2025-10-13T11:14:20+00:00\",\"dateModified\":\"2025-10-13T11:14:22+00:00\",\"author\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/2955e74f3626e82f06ef36d98ecdc878\"},\"description\":\"\u00bfHay que declarar los pr\u00e9stamos personales en la renta? Descubre si un pr\u00e9stamo se considera ingreso, c\u00f3mo tributa, si desgrava y qu\u00e9 pasa si no lo declaras.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353353725\"},{\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353374641\"},{\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353386365\"}],\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#primaryimage\",\"url\":\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/10\/como-se-declara-un-prestamo-personal-scaled.jpg\",\"contentUrl\":\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/10\/como-se-declara-un-prestamo-personal-scaled.jpg\",\"width\":2560,\"height\":1710,\"caption\":\"Hay que declarar los pr\u00e9stamos personales en la renta? Descubre si un pr\u00e9stamo se considera ingreso, c\u00f3mo tributa, si desgrava y qu\u00e9 pasa si no lo declaras.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Inicio\",\"item\":\"https:\/\/www.avafin.es\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Educaci\u00f3 financera\",\"item\":\"https:\/\/www.avafin.es\/blog\/educacion-financiera\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"C\u00f3mo se declara un pr\u00e9stamo personal en la Renta 2025\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.avafin.es\/ca\/#website\",\"url\":\"https:\/\/www.avafin.es\/ca\/\",\"name\":\"AvaFin Espa\u00f1a\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.avafin.es\/ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/2955e74f3626e82f06ef36d98ecdc878\",\"name\":\"Alejandra Rangel\",\"pronouns\":\"Ella\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/cropped-cropped-Alejandra-Rangel-Avafin-2-96x96.png\",\"contentUrl\":\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/cropped-cropped-Alejandra-Rangel-Avafin-2-96x96.png\",\"caption\":\"Alejandra Rangel\"},\"description\":\"Experta en pr\u00e9stamos personales, financiaci\u00f3n online e investigaci\u00f3n de mercado. Con a\u00f1os de experiencia en la industria financiera, analiza las necesidades de los consumidores para desarrollar contenidos \u00fatiles, fiables y actualizados. En AvaFin, comparte informaci\u00f3n sobre cr\u00e9ditos online, salud financiera y tendencias del mercado, con el objetivo de ayudarte a tomar decisiones financieras mejor informadas.\",\"sameAs\":[\"http:\/\/www.avafin.es\",\"https:\/\/www.facebook.com\/profile.php?id=61569520036083&locale=es_ES\",\"https:\/\/www.instagram.com\/avafines\/\",\"https:\/\/x.com\/https:\/\/x.com\/AvafinEs\"],\"url\":\"https:\/\/www.avafin.es\/ca\/blog\/author\/alejandra\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353353725\",\"position\":1,\"url\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353353725\",\"name\":\"\u00bfC\u00f3mo se declaran los pr\u00e9stamos en el IRPF?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No se declaran como ingreso. Solo debes <strong>informar si Hacienda lo solicita<\/strong>, especialmente si es entre particulares o si el importe es elevado. Guarda siempre el contrato.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353374641\",\"position\":2,\"url\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353374641\",\"name\":\"\u00bfUn pr\u00e9stamo personal desgrava en la declaraci\u00f3n de la renta?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, <strong>un pr\u00e9stamo personal no desgrava en la renta<\/strong>, salvo en supuestos especiales.<br\/>Lee m\u00e1s aqu\u00ed: <a href=\\\"https:\/\/www.avafin.es\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\\\">Un pr\u00e9stamo personal desgrava en la declaraci\u00f3n de la renta<\/a>\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353386365\",\"position\":3,\"url\":\"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353386365\",\"name\":\"\u00bfQu\u00e9 diferencia hay entre \\\"pr\u00e9stamos personales\\\" y \\\"pr\u00e9stamos hipotecarios\\\" para Hacienda?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"- <strong>Pr\u00e9stamos personales<\/strong>: sin garant\u00eda, no suelen desgravar, se utilizan para consumo.<br\/><strong>-<\/strong> <strong>Pr\u00e9stamos hipotecarios<\/strong>: tienen garant\u00eda real (la vivienda), pueden desgravar en casos espec\u00edficos (como viviendas compradas antes de 2013).\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Com es declara un pr\u00e9stec personal a la Renda 2025 | AvaFin Espanya","description":"Cal declarar els pr\u00e9stecs personals a la renda? Descobreix si un pr\u00e9stec es considera ingr\u00e9s, com tributa, si desgrava i qu\u00e8 passa si no ho declares.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal","og_locale":"ca_ES","og_type":"article","og_title":"C\u00f3mo se declara un pr\u00e9stamo personal en la Renta 2025 | AvaFin Espa\u00f1a","og_description":"\u00bfHay que declarar los pr\u00e9stamos personales en la renta? Descubre si un pr\u00e9stamo se considera ingreso, c\u00f3mo tributa, si desgrava y qu\u00e9 pasa si no lo declaras.","og_url":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal","og_site_name":"AvaFin Espa\u00f1a","article_author":"https:\/\/www.facebook.com\/profile.php?id=61569520036083&locale=es_ES","article_published_time":"2025-10-13T11:14:20+00:00","article_modified_time":"2025-10-13T11:14:22+00:00","og_image":[{"width":2560,"height":1710,"url":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/10\/como-se-declara-un-prestamo-personal-scaled.jpg","type":"image\/jpeg"}],"author":"Alejandra Rangel","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/x.com\/AvafinEs","twitter_misc":{"Written by":"Alejandra Rangel","Est. reading time":"8 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["WebPage","FAQPage"],"@id":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal","url":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal","name":"Com es declara un pr\u00e9stec personal a la Renda 2025 | AvaFin Espanya","isPartOf":{"@id":"https:\/\/www.avafin.es\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#primaryimage"},"image":{"@id":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#primaryimage"},"thumbnailUrl":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/10\/como-se-declara-un-prestamo-personal-scaled.jpg","datePublished":"2025-10-13T11:14:20+00:00","dateModified":"2025-10-13T11:14:22+00:00","author":{"@id":"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/2955e74f3626e82f06ef36d98ecdc878"},"description":"Cal declarar els pr\u00e9stecs personals a la renda? Descobreix si un pr\u00e9stec es considera ingr\u00e9s, com tributa, si desgrava i qu\u00e8 passa si no ho declares.","breadcrumb":{"@id":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#breadcrumb"},"mainEntity":[{"@id":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353353725"},{"@id":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353374641"},{"@id":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353386365"}],"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#primaryimage","url":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/10\/como-se-declara-un-prestamo-personal-scaled.jpg","contentUrl":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/10\/como-se-declara-un-prestamo-personal-scaled.jpg","width":2560,"height":1710,"caption":"Hay que declarar los pr\u00e9stamos personales en la renta? Descubre si un pr\u00e9stamo se considera ingreso, c\u00f3mo tributa, si desgrava y qu\u00e9 pasa si no lo declaras."},{"@type":"BreadcrumbList","@id":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Inicio","item":"https:\/\/www.avafin.es\/"},{"@type":"ListItem","position":2,"name":"Educaci\u00f3 financera","item":"https:\/\/www.avafin.es\/blog\/educacion-financiera"},{"@type":"ListItem","position":3,"name":"C\u00f3mo se declara un pr\u00e9stamo personal en la Renta 2025"}]},{"@type":"WebSite","@id":"https:\/\/www.avafin.es\/ca\/#website","url":"https:\/\/www.avafin.es\/ca\/","name":"AvaFin Espanya","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.avafin.es\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Person","@id":"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/2955e74f3626e82f06ef36d98ecdc878","name":"Alejandra Rangel","pronouns":"Ella","image":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/image\/","url":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/cropped-cropped-Alejandra-Rangel-Avafin-2-96x96.png","contentUrl":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/cropped-cropped-Alejandra-Rangel-Avafin-2-96x96.png","caption":"Alejandra Rangel"},"description":"Experta en pr\u00e9stecs personals, finan\u00e7ament online i investigaci\u00f3 de mercat. Amb anys d'experi\u00e8ncia a la ind\u00fastria financera, analitza les necessitats dels consumidors per desenvolupar continguts \u00fatils, fiables i actualitzats. A AvaFin, comparteix informaci\u00f3 sobre cr\u00e8dits online, salut financera i tend\u00e8ncies del mercat, amb l'objectiu d'ajudar-te a prendre decisions financeres millor informades.","sameAs":["http:\/\/www.avafin.es","https:\/\/www.facebook.com\/profile.php?id=61569520036083&locale=es_ES","https:\/\/www.instagram.com\/avafines\/","https:\/\/x.com\/https:\/\/x.com\/AvafinEs"],"url":"https:\/\/www.avafin.es\/ca\/blog\/author\/alejandra"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353353725","position":1,"url":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353353725","name":"Com es declaren els pr\u00e9stecs a l&#039;IRPF?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No se declaran como ingreso. Solo debes <strong>informar si Hacienda lo solicita<\/strong>, especialmente si es entre particulares o si el importe es elevado. Guarda siempre el contrato.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353374641","position":2,"url":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353374641","name":"Un pr\u00e9stec personal desgrava a la declaraci\u00f3 de la renda?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No, <strong>un pr\u00e9stamo personal no desgrava en la renta<\/strong>, salvo en supuestos especiales.<br\/>Lee m\u00e1s aqu\u00ed: <a href=\"https:\/\/www.avafin.es\/blog\/un-prestamo-personal-desgrava-en-la-declaracion-de-la-renta\">Un pr\u00e9stamo personal desgrava en la declaraci\u00f3n de la renta<\/a>","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353386365","position":3,"url":"https:\/\/www.avafin.es\/ca\/bloc\/com-es-declara-un-prestec-personal#faq-question-1760353386365","name":"Quina difer\u00e8ncia hi ha entre &quot;pr\u00e9stecs personals&quot; i &quot;pr\u00e9stecs hipotecaris&quot; per a Hisenda?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"- <strong>Pr\u00e9stamos personales<\/strong>: sin garant\u00eda, no suelen desgravar, se utilizan para consumo.<br\/><strong>-<\/strong> <strong>Pr\u00e9stamos hipotecarios<\/strong>: tienen garant\u00eda real (la vivienda), pueden desgravar en casos espec\u00edficos (como viviendas compradas antes de 2013).","inLanguage":"ca"},"inLanguage":"ca"}]}},"jetpack_publicize_connections":[],"featured_media_link":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/10\/como-se-declara-un-prestamo-personal-768x513.jpg","category":{"color":"#010440","link":"https:\/\/www.avafin.es\/ca\/bloc\/educacio-financera","text":"Educaci\u00f3n financiera"},"_links":{"self":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/7004","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/comments?post=7004"}],"version-history":[{"count":0,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/7004\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media\/7005"}],"wp:attachment":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media?parent=7004"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/categories?post=7004"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/tags?post=7004"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}