{"id":7004,"date":"2025-10-13T13:14:20","date_gmt":"2025-10-13T11:14:20","guid":{"rendered":"https:\/\/www.avafin.es\/?p=7004"},"modified":"2026-07-23T10:40:10","modified_gmt":"2026-07-23T08:40:10","slug":"com-es-declara-un-prestec-personal","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/como-se-declara-un-prestamo-personal","title":{"rendered":"Com es declara un pr\u00e9stec personal a la Renda 2025"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><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<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\/como-se-declara-un-prestamo-personal\/#%C2%BFHay_que_declarar_los_prestamos_personales_La_diferencia_entre_ingreso_y_deuda\" >Cal declarar els pr\u00e9stecs personals? La difer\u00e8ncia entre ingr\u00e9s i deute<\/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\/como-se-declara-un-prestamo-personal\/#%C2%BFUn_prestamo_se_considera_ingreso_si_o_no\" >Un pr\u00e9stec es considera ingr\u00e9s, s\u00ed o no?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-se-declara-un-prestamo-personal\/#Que_pasa_si_no_declaro_un_prestamo_la_obligacion_informativa\" >Qu\u00e8 passa si no declaro un pr\u00e9stec (l&#039;obligaci\u00f3 informativa)<\/a><\/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\/como-se-declara-un-prestamo-personal\/#Como_declarar_un_prestamo_personal_y_sus_componentes\" >Com declarar un pr\u00e9stec personal i els seus components<\/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\/como-se-declara-un-prestamo-personal\/#%C2%BFCuanto_hay_que_pagar_a_hacienda_por_un_prestamo_personal\" >Quant cal pagar a hisenda per un pr\u00e9stec personal?<\/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\/como-se-declara-un-prestamo-personal\/#Como_tributa_un_prestamo_bancario_los_intereses\" >Com tributa un pr\u00e9stec bancari: els interessos<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-se-declara-un-prestamo-personal\/#%C2%BFCuanto_desgrava_un_prestamo_personal_desgravacion_cero_generales\" >Quant desgrava un pr\u00e9stec personal? (desgravaci\u00f3 zero generals)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-se-declara-un-prestamo-personal\/#Prestamos_para_consumo_la_declaracion_del_prestamo_coche\" >Pr\u00e9stecs per a consum: la declaraci\u00f3 del pr\u00e9stec cotxe<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-se-declara-un-prestamo-personal\/#Prestamo_coche_declaracion_renta_%C2%BFHay_Beneficios_Fiscales\" >Pr\u00e9stec cotxe declaraci\u00f3 renda: Hi ha Beneficis Fiscals?<\/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\/como-se-declara-un-prestamo-personal\/#Prestamos_personales_de_bajo_monto_Avafin_%C2%BFcambia_la_regla\" >Pr\u00e9stecs personals de baixa suma (Avafin): canvia la regla?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-se-declara-un-prestamo-personal\/#Preguntas_Frecuentes_sobre_la_ceclaracion_en_el_IRPF\" >Preguntes Freq\u00fcents sobre la ceclaraci\u00f3 a l&#039;IRPF<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.avafin.es\/ca\/blog\/como-se-declara-un-prestamo-personal\/#%C2%BFNecesitas_un_Prestamo_Personal\" >Necessites un Pr\u00e9stec Personal?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFHay_que_declarar_los_prestamos_personales_La_diferencia_entre_ingreso_y_deuda\"><\/span><strong>Cal declarar els pr\u00e9stecs personals? La difer\u00e8ncia entre ingr\u00e9s i deute<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\"><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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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\"><span class=\"ez-toc-section\" id=\"%C2%BFUn_prestamo_se_considera_ingreso_si_o_no\"><\/span><strong>Un pr\u00e9stec es considera ingr\u00e9s, s\u00ed o no?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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\"><span class=\"ez-toc-section\" id=\"Que_pasa_si_no_declaro_un_prestamo_la_obligacion_informativa\"><\/span><strong>Qu\u00e8 passa si no declaro un pr\u00e9stec (l&#039;obligaci\u00f3 informativa)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\"><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\"><span class=\"ez-toc-section\" id=\"Como_declarar_un_prestamo_personal_y_sus_componentes\"><\/span><strong>Com declarar un pr\u00e9stec personal i els seus components<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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\"><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_hay_que_pagar_a_hacienda_por_un_prestamo_personal\"><\/span><strong>Quant cal pagar a hisenda per un pr\u00e9stec personal?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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\"><span class=\"ez-toc-section\" id=\"Como_tributa_un_prestamo_bancario_los_intereses\"><\/span><strong>Com tributa un pr\u00e9stec bancari: els interessos<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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\"><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_desgrava_un_prestamo_personal_desgravacion_cero_generales\"><\/span><strong>Quant desgrava un pr\u00e9stec personal? (desgravaci\u00f3 zero generals)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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\"><span class=\"ez-toc-section\" id=\"Prestamos_para_consumo_la_declaracion_del_prestamo_coche\"><\/span><strong>Pr\u00e9stecs per a consum: la declaraci\u00f3 del pr\u00e9stec cotxe<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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\"><span class=\"ez-toc-section\" id=\"Prestamo_coche_declaracion_renta_%C2%BFHay_Beneficios_Fiscales\"><\/span><strong>Pr\u00e9stec cotxe declaraci\u00f3 renda: Hi ha Beneficis Fiscals?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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\"><span class=\"ez-toc-section\" id=\"Prestamos_personales_de_bajo_monto_Avafin_%C2%BFcambia_la_regla\"><\/span><strong>Pr\u00e9stecs personals de baixa suma (Avafin): canvia la regla?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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\"><span class=\"ez-toc-section\" id=\"Preguntas_Frecuentes_sobre_la_ceclaracion_en_el_IRPF\"><\/span><strong>Preguntes Freq\u00fcents sobre la ceclaraci\u00f3 a l&#039;IRPF<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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\"><span class=\"ez-toc-section\" id=\"%C2%BFNecesitas_un_Prestamo_Personal\"><\/span>Necessites un Pr\u00e9stec Personal?<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>\u00bfNo sabes c\u00f3mo se declara un pr\u00e9stamo personal ante Hacienda? Esta es una duda frecuente entre quienes han solicitado financiaci\u00f3n y temen cometer errores al hacer su declaraci\u00f3n de la renta. Solicitar un pr\u00e9stamo puede parecer sencillo, pero cuando llega el momento de presentar el IRPF, surgen muchas preguntas: \u00bfhay que declarar los pr\u00e9stamos personales?, [&hellip;]<\/p>\n","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 v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\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? 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Su experiencia en investigaci\u00f3n de mercados en AvaFin, brinda gran valor al momento de generar informaci\u00f3n \u00fatil sobre aquellas personas que buscan tomar decisiones financieras adecuadas a su situaci\u00f3n.\",\"sameAs\":[\"http:\\\/\\\/www.avafin.es\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/alejandra-rangel-bethencourt-29633a167\\\/\"],\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/author\\\/alejandra\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/como-se-declara-un-prestamo-personal#faq-question-1760353353725\",\"position\":1,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/como-se-declara-un-prestamo-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. 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