{"id":7007,"date":"2025-10-21T12:57:26","date_gmt":"2025-10-21T10:57:26","guid":{"rendered":"https:\/\/www.avafin.es\/?p=7007"},"modified":"2026-07-23T10:39:13","modified_gmt":"2026-07-23T08:39:13","slug":"si-soc-avalador-puc-demanar-un-prestec","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo","title":{"rendered":"Si s\u00f3c avalador puc demanar un pr\u00e9stec: guia clara de CIRBE, riscos i alternatives"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Ser avalador \u00e9s un acte de confian\u00e7a enorme, per\u00f2 tamb\u00e9 un comprom\u00eds financer que pot condicionar el teu futur. Si firmes com a garant, respons legalment pel deute d&#039;una altra persona. Per aix\u00f2 molts es pregunten: <strong>si s\u00f3c avalador puc demanar un pr\u00e9stec<\/strong><strong> per a mi mateix<\/strong>, qu\u00e8 passa amb la meva solv\u00e8ncia? El banc m&#039;ho negar\u00e0?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La resposta \u00e9s que s\u00ed que pots, per\u00f2 no amb les mateixes condicions. En aquest article analitzem <strong>com la CIRBE influeix en el teu perfil financer<\/strong>, qu\u00e8 <strong>riscos i desavantatges<\/strong> comporta ser avalador, <strong>quan no pots avalar<\/strong>, i <strong>quines alternatives existeixen sense aval<\/strong> per protegir la teva estabilitat. A m\u00e9s, afegim <strong>preguntes freq\u00fcents<\/strong> que resolen dubtes sobre edat m\u00e0xima, hipoteques, substituci\u00f3 de l&#039;aval i opcions segures de finan\u00e7ament.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndex<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #6a737c;color:#6a737c\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #6a737c;color:#6a737c\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#La_respuesta_directa_sobre_si_soy_avalista_puedo_pedir_un_prestamo_si_pero_tu_capacidad_de_endeudamiento_se_reduce\" >La resposta directa sobre si s\u00f3c avalador puc demanar un pr\u00e9stec: s\u00ed, per\u00f2 la teva capacitat d&#039;endeutament es redueix<\/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\/si-soy-avalista-puedo-pedir-un-prestamo\/#Si_soy_avalista_puedo_pedir_un_prestamo_y_como_me_afecta_la_CIRBE_Central_de_Informacion_de_Riesgos\" >Si s\u00f3c avalador puc demanar un pr\u00e9stec i com m&#039;afecta la CIRBE (Central d&#039;Informaci\u00f3 de Riscos)<\/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\/si-soy-avalista-puedo-pedir-un-prestamo\/#%C2%BFQue_desventajas_tiene_ser_aval_Riesgos_y_consecuencias_reales_si_soy_avalista_puedo_pedir_un_prestamo\" >Quins desavantatges t\u00e9 ser aval? Riscos i conseq\u00fc\u00e8ncies reals si s\u00f3c avalador puc demanar un pr\u00e9stec<\/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\/si-soy-avalista-puedo-pedir-un-prestamo\/#%C2%BFCuando_no_puedes_ser_avalista_Factores_de_exclusion_si_soy_avalista_puedo_pedir_un_prestamo\" >Quan no pots ser avalador? Factors d&#039;exclusi\u00f3 si s\u00f3c avalador puc demanar un pr\u00e9stec<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#%C2%BFCuando_no_puedes_ser_avalista_si_soy_avalista_puedo_pedir_un_prestamo\" >Quan no pots ser avalador si s\u00f3c avalador puc demanar un pr\u00e9stec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#Edad_maxima_para_ser_avalista_si_soy_avalista_puedo_pedir_un_prestamo\" >Edat m\u00e0xima per ser avalador si s\u00f3c avalador puc demanar un pr\u00e9stec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#%C2%BFMe_puede_avalar_un_pensionista_si_soy_avalista_puedo_pedir_un_prestamo\" >Em pot avalar un pensionista si s\u00f3c avalador puc demanar un pr\u00e9stec?<\/a><\/li><\/ul><\/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\/si-soy-avalista-puedo-pedir-un-prestamo\/#Evita_el_riesgo_si_soy_avalista_puedo_pedir_un_prestamo_prestamos_personales_rapidos_sin_aval\" >Evita el risc si s\u00f3c avalador puc demanar un pr\u00e9stec: pr\u00e9stecs personals r\u00e0pids sense aval<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#%C2%BFEs_mas_facil_obtener_un_prestamo_si_soy_avalista_puedo_pedir_un_prestamo_con_avalista\" >\u00c9s m\u00e9s f\u00e0cil obtenir un pr\u00e9stec si s\u00f3c avalador puc demanar un pr\u00e9stec amb avalador?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#Prestamos_con_aval_de_nomina_una_opcion_mas_segura_si_soy_avalista_puedo_pedir_un_prestamo\" >Pr\u00e9stecs amb aval de n\u00f2mina: una opci\u00f3 m\u00e9s segura si s\u00f3c avalador puc demanar un pr\u00e9stec<\/a><\/li><\/ul><\/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\/si-soy-avalista-puedo-pedir-un-prestamo\/#%C2%BFSer_avalista_afecta_a_una_hipoteca_si_soy_avalista_puedo_pedir_un_prestamo\" >Ser avalador afecta una hipoteca si s\u00f3c avalador puc demanar un pr\u00e9stec?<\/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\/si-soy-avalista-puedo-pedir-un-prestamo\/#%C2%BFSi_soy_avalista_puedo_pedir_una_hipoteca_o_afecta_mi_capacidad_de_credito\" >Si s\u00f3c avalador puc demanar una hipoteca o afecta la meva capacitat de cr\u00e8dit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#%C2%BFPuedo_ser_avalista_teniendo_hipoteca_y_aun_asi_si_soy_avalista_puedo_pedir_un_prestamo\" >Puc ser avalador tenint hipoteca i tot i aix\u00ed si s\u00f3c avalador puc demanar un pr\u00e9stec?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#%C2%BFComo_puedo_quitarme_de_ser_avalista_si_soy_avalista_puedo_pedir_un_prestamo\" >Com em puc treure de ser avalador si s\u00f3c avalador puc demanar un pr\u00e9stec?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#%C2%BFSe_puede_quitar_un_aval_de_un_prestamo_personal_si_soy_avalista_puedo_pedir_un_prestamo\" >Es pot treure un aval d&#039;un pr\u00e9stec personal si s\u00f3c avalador puc demanar un pr\u00e9stec?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#%C2%BFQue_desventajas_tiene_ser_aval_si_soy_avalista_puedo_pedir_un_prestamo\" >Quins desavantatges t\u00e9 ser aval si s\u00f3c avalador puc demanar un pr\u00e9stec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#Bloque_comparativo_tipos_de_aval_y_alternativas_reales\" >Bloc comparatiu: tipus d&#039;aval i alternatives reals<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#Prestamos_con_aval_de_vivienda_ventajas_y_riesgos_si_soy_avalista_puedo_pedir_un_prestamo\" >Pr\u00e9stecs amb aval d&#039;habitatge: avantatges i riscos si s\u00f3c avalador puc demanar un pr\u00e9stec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#Prestamos_con_aval_de_otra_persona_%C2%BFalternativa_valida_si_soy_avalista_puedo_pedir_un_prestamo\" >Pr\u00e9stecs amb aval d&#039;una altra persona: alternativa v\u00e0lida si s\u00f3c avalador puc demanar un pr\u00e9stec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#Como_conseguir_un_aval_para_un_prestamo_sin_comprometer_tu_solvencia_si_soy_avalista_puedo_pedir_un_prestamo\" >Com aconseguir un aval per a un pr\u00e9stec sense comprometre la teva solv\u00e8ncia si s\u00f3c avalador puc demanar un pr\u00e9stec<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#Preguntas_frecuentes_sobre_la_deuda_y_el_riesgo_si_soy_avalista_puedo_pedir_un_prestamo\" >Preguntes freq\u00fcents sobre el deute i el risc: si s\u00f3c avalador puc demanar un pr\u00e9stec<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.avafin.es\/ca\/blog\/si-soy-avalista-puedo-pedir-un-prestamo\/#%C2%BFNecesitas_Dinero_Urgente\" >Necessites Diners Urgents?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"La_respuesta_directa_sobre_si_soy_avalista_puedo_pedir_un_prestamo_si_pero_tu_capacidad_de_endeudamiento_se_reduce\"><\/span><strong>La resposta directa sobre si s\u00f3c avalador puc demanar un pr\u00e9stec: s\u00ed, per\u00f2 la teva capacitat d&#039;endeutament es redueix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Legalment, <strong>s\u00ed, <\/strong><strong>si s\u00f3c avalador puc demanar un pr\u00e9stec<\/strong><strong>.<\/strong> No hi ha cap norma que t&#039;impedeixi fer-ho. Per\u00f2 quan el banc revisi la teva sol\u00b7licitud, veur\u00e0 al teu historial que ja tens una obligaci\u00f3 contingent: l&#039;aval.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta obligaci\u00f3 compta com <strong>risc indirecte<\/strong> i redueix el teu <strong>capacitat d&#039;endeutament<\/strong>. Encara que no siguis tu qui paga el pr\u00e9stec avalat, l&#039;entitat el comptabilitza com si el poguessis haver d&#039;assumir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imagina que vas avalar el teu germ\u00e0 per un cr\u00e8dit de 15.000 \u20ac. A la pr\u00e0ctica, per al sistema financer aix\u00f2 \u00e9s un deute potencial teu. Si demaneu ara un pr\u00e9stec de 8.000 \u20ac, el banc calcular\u00e0 si, en cas d&#039;impagament de l&#039;avalat, podries assumir les dues quotes. Si el marge \u00e9s just, us oferiran menys diners o un termini m\u00e9s curt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/sense-aval\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Demana el teu pr\u00e9stec sense aval a Avafin i evita comprometre tercers<\/strong><\/a>. Aquesta alternativa et permet accedir a diners r\u00e0pids sense que un familiar o amic hagi de recolzar-te, cosa que evita futurs conflictes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En resum, <strong>si s\u00f3c avalador puc demanar un pr\u00e9stec<\/strong>, per\u00f2 els bancs seran m\u00e9s prudents: analitzaran la teva solv\u00e8ncia amb lupa, revisaran els teus ingressos nets i comprovaran si ja tens altres c\u00e0rregues o hipoteques.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Si_soy_avalista_puedo_pedir_un_prestamo_y_como_me_afecta_la_CIRBE_Central_de_Informacion_de_Riesgos\"><\/span><strong>Si s\u00f3c avalador puc demanar un pr\u00e9stec i com m&#039;afecta la CIRBE (Central d&#039;Informaci\u00f3 de Riscos)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>CIRB<\/strong> (Central d&#039;Informaci\u00f3 de Riscos del Banc d&#039;Espanya) \u00e9s el registre on apareixen tots els teus deutes actius, inclosos els que avales. No \u00e9s una llista de morosos: fins i tot si tot est\u00e0 al dia, figurar\u00e0s pels imports que garanteixes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apar\u00e8ixer a la CIRBE no \u00e9s negatiu, per\u00f2 s\u00ed que afecta el teu <strong>perfil creditici<\/strong>. Si un banc veu que ja apareixes com a avalista d&#039;un pr\u00e9stec, interpretar\u00e0 quina part de la teva capacitat est\u00e0 compromesa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les dades que apareixen a la CIRBE inclouen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tipus d&#039;operaci\u00f3 (cr\u00e8dit, pr\u00e9stec o aval).<br><\/li>\n\n\n\n<li>Import total i saldo pendent.<br><\/li>\n\n\n\n<li>Entitat que ho va concedir.<br><\/li>\n\n\n\n<li>Si hi ha incid\u00e8ncies o no.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-el-cirb\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Et preocupa la CIRBE? Revisa com t&#039;afecta i qu\u00e8 fer<\/strong><\/a>. Aqu\u00ed pots aprendre com sol\u00b7licitar el teu informe gratu\u00eft i entendre qu\u00e8 interpreta un banc en veure els teus riscos registrats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si planeges demanar un cr\u00e8dit, el recomanable \u00e9s <strong>consultar el teu informe CIRBE abans de sol\u00b7licitar-ho<\/strong>. D&#039;aquesta manera, et podr\u00e0s anticipar a les possibles objeccions del banc i aportar documentaci\u00f3 addicional (per exemple, un comprovant que el pr\u00e9stec avalat est\u00e0 al dia).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_desventajas_tiene_ser_aval_Riesgos_y_consecuencias_reales_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span><strong>Quins desavantatges t\u00e9 ser aval? Riscos i conseq\u00fc\u00e8ncies reals si s\u00f3c avalador puc demanar un pr\u00e9stec<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avalar vol dir que est\u00e0s <strong>legalment obligat a pagar<\/strong> si el titular no ho fa. \u00c9s a dir, per a l&#039;entitat tu ets tan responsable del deute com el beneficiari original.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les principals <strong>desavantatges<\/strong> de ser avalador s\u00f3n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Risc patrimonial total:<\/strong> pots perdre els teus b\u00e9ns si el titular no compleix.<br><\/li>\n\n\n\n<li><strong>Limitaci\u00f3 de cr\u00e8dit:<\/strong> l&#039;aval redueix la capacitat d&#039;endeutament futur.<br><\/li>\n\n\n\n<li><strong>Estr\u00e8s i pressi\u00f3 emocional:<\/strong> si l&#039;avalat falla, la relaci\u00f3 es pot deteriorar.<br><\/li>\n\n\n\n<li><strong>Cap benefici directe:<\/strong> no reps diners ni avantatges fiscals per avalar.<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.avafin.es\/ca\/bloc\/diferencia-entre-pignorar-i-avalar\/\" target=\"_blank\" rel=\"noreferrer noopener\">Consulta aqu\u00ed la difer\u00e8ncia entre pignorar i avalar abans de decidir<\/a><\/strong>. Moltes persones confonen tots dos conceptes, per\u00f2 pignorar (utilitzar un b\u00e9 com a garantia) no et fa responsable del pagament d&#039;un altre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, si est\u00e0s pensant a avalar, <strong>fes-ho sol si podries afrontar el deute tu mateix<\/strong>. I si ja ho vas fer, <strong>si s\u00f3c avalador puc demanar un pr\u00e9stec<\/strong>, per\u00f2 he de planificar-ho amb marge i evitant noves garanties.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuando_no_puedes_ser_avalista_Factores_de_exclusion_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span><strong>Quan no pots ser avalador? Factors d&#039;exclusi\u00f3 si s\u00f3c avalador puc demanar un pr\u00e9stec<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Els bancs no accepten qualsevol persona com a avalador. Si la teva situaci\u00f3 econ\u00f2mica no demostra estabilitat o solv\u00e8ncia, simplement et rebutjaran.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Els factors d&#039;exclusi\u00f3 principals s\u00f3n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Endeutament elevat<\/strong>: si ja tens diversos deutes o hipoteques actives.<br><\/li>\n\n\n\n<li><strong>Historial negatiu en fitxers de morositat (ASNEF o RAI).<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Ingressos inestables o baixos.<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Edat avan\u00e7ada (edat + termini del pr\u00e9stec &gt; 75 anys).<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Manca de patrimoni o garanties l\u00edquides.<\/strong><strong><br><\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En aquests casos, ni podr\u00e0s avalar els altres ni millorar\u00e0s el teu acc\u00e9s al cr\u00e8dit. Els bancs interpreten que el teu perfil <strong>no refor\u00e7a l&#039;operaci\u00f3<\/strong>, sin\u00f3 que la debilita.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuando_no_puedes_ser_avalista_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span>Quan no pots ser avalador si s\u00f3c avalador puc demanar un pr\u00e9stec?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si ja tens pr\u00e9stecs impagats o una r\u00e0tio deute\/ingressos alt, cap banc no t&#039;acceptar\u00e0 com a avalador. A m\u00e9s, encara que s\u00ed que puguis demanar un pr\u00e9stec, les teves condicions seran m\u00e9s restrictives.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Edad_maxima_para_ser_avalista_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span>Edat m\u00e0xima per ser avalador si s\u00f3c avalador puc demanar un pr\u00e9stec<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No hi ha una edat legal m\u00e0xima, per\u00f2 la majoria d&#039;entitats aplica la f\u00f3rmula: <strong>edat + termini \u2264 75 anys.<\/strong> Per exemple, si el pr\u00e9stec \u00e9s a 10 anys, l&#039;avalador no n&#039;hauria de tenir m\u00e9s de 65.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFMe_puede_avalar_un_pensionista_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span>Em pot avalar un pensionista si s\u00f3c avalador puc demanar un pr\u00e9stec?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed, els pensionistes poden avalar sempre que la pensi\u00f3 sigui suficient i constant. Tot i aix\u00f2, el termini del pr\u00e9stec s&#039;ajustar\u00e0 a la seva edat, reduint el temps de devoluci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a0En aquests casos, tamb\u00e9 pots evitar complicacions amb un <strong><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/sense-aval\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stec r\u00e0pid sense aval<\/a><\/strong>, ideal per cobrir despeses urgents sense involucrar un familiar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evita_el_riesgo_si_soy_avalista_puedo_pedir_un_prestamo_prestamos_personales_rapidos_sin_aval\"><\/span><strong>Evita el risc si s\u00f3c avalador puc demanar un pr\u00e9stec: pr\u00e9stecs personals r\u00e0pids sense ava<\/strong>l<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avalar \u00e9s un acte de confian\u00e7a, per\u00f2 tamb\u00e9 un risc innecessari en molts casos. Avui existeixen <strong>pr\u00e9stecs personals sense aval<\/strong>, on tu mateix ets l&#039;\u00fanic responsable del teu deute.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquestes opcions ofereixen avantatges com:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tramitaci\u00f3 <strong>100 % online<\/strong>, r\u00e0pida i sense paperassa.<br><\/li>\n\n\n\n<li>Sense comprometre el patrimoni daltres persones.<br><\/li>\n\n\n\n<li>Contractes transparents, amb TAE i total a pagar abans de signar.<br><\/li>\n\n\n\n<li>Possibilitat d&#039;estendre terminis o refinan\u00e7ar-los legalment.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/sense-aval\/\" target=\"_blank\" rel=\"noreferrer noopener\">Compara i sol\u00b7licita online: resposta r\u00e0pida i contracte clar<\/a><\/strong>. Amb Avafin ho pots fer en minuts i rebre resposta gaireb\u00e9 immediata.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquestes solucions s\u00f3n ideals si <strong>necessites liquiditat immediata<\/strong> o si el teu banc tradicional exigeix un avalador i prefereixes evitar-ho. A m\u00e9s, les fintech com Avafin solen valorar la teva situaci\u00f3 actual (ingressos, estabilitat laboral) en lloc de penalitzar-te per avals o registres antics a CIRBE.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFEs_mas_facil_obtener_un_prestamo_si_soy_avalista_puedo_pedir_un_prestamo_con_avalista\"><\/span><strong>\u00c9s m\u00e9s f\u00e0cil obtenir un pr\u00e9stec si s\u00f3c avalador puc demanar un pr\u00e9stec amb avalador?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed, els pr\u00e9stecs amb avalador solen aprovar-se amb m\u00e9s facilitat, sobretot en perfils joves o amb ingressos baixos. L&#039;aval aporta <strong>seguretat extra al banc<\/strong>. Tot i aix\u00f2, per a l&#039;avalista implica assumir tot el risc sense cap benefici.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu mateix ets avalador d&#039;una altra persona, <strong>si s\u00f3c avalador puc demanar un pr\u00e9stec<\/strong> per\u00f2 no \u00e9s recomanable que busquis alg\u00fa m\u00e9s per avalar-te. Al seu lloc, explora productes <strong>sense aval<\/strong> o amb <strong>aval de n\u00f2mina<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prestamos_con_aval_de_nomina_una_opcion_mas_segura_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span>Pr\u00e9stecs amb aval de n\u00f2mina: una opci\u00f3 m\u00e9s segura si s\u00f3c avalador puc demanar un pr\u00e9stec<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>aval de n\u00f2mina<\/strong> no implica tercers: el teu propi salari \u00e9s la garantia. El banc revisa els teus ingressos i descompta directament les quotes des del teu compte. \u00c9s una opci\u00f3 m\u00e9s segura i responsable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a0Descobreix com funcionen aquests productes a <strong><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/sense-aval\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stecs sense aval d&#039;Avafin<\/a><\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFSer_avalista_afecta_a_una_hipoteca_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span><strong>Ser avalador afecta una hipoteca si s\u00f3c avalador puc demanar un pr\u00e9stec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed, afecta. La hipoteca \u00e9s una operaci\u00f3 de llarg termini i alt import. Si ja figures com a avalador en un altre pr\u00e9stec, el banc reduir\u00e0 la teva capacitat m\u00e0xima de cr\u00e8dit hipotecari.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El motiu \u00e9s que, en cas d&#039;impagament del pr\u00e9stec avalat, et podries veure obligat a pagar tots dos deutes. Per aix\u00f2, <strong>si s\u00f3c avalador puc demanar una hipoteca<\/strong>, per\u00f2 he de demostrar ingressos suficients per cobrir tots dos compromisos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a0Consell: abans de demanar la vostra hipoteca, revisa que el pr\u00e9stec que avales estigui al dia i sol\u00b7licita el teu <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-el-cirb\/\" target=\"_blank\" rel=\"noreferrer noopener\">informe CIRBE<\/a> actualitzat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFSi_soy_avalista_puedo_pedir_una_hipoteca_o_afecta_mi_capacidad_de_credito\"><\/span>Si s\u00f3c avalador puc demanar una hipoteca o afecta la meva capacitat de cr\u00e8dit?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Afecta directament. Si la vostra r\u00e0tio deute\/ingressos supera el 35 %, el banc pot rebaixar l&#039;import concedit o exigir garanties addicionals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_ser_avalista_teniendo_hipoteca_y_aun_asi_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span>Puc ser avalador tenint hipoteca i tot i aix\u00ed si s\u00f3c avalador puc demanar un pr\u00e9stec?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed, pots, per\u00f2 la combinaci\u00f3 \u00e9s delicada. Si ja pagues una hipoteca, cada nou aval o pr\u00e9stec personal limita el teu marge financer. Abans d&#039;assumir una altra c\u00e0rrega, calcula b\u00e9 les teves quotes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_puedo_quitarme_de_ser_avalista_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span><strong>Com em puc treure de ser avalador si s\u00f3c avalador puc demanar un pr\u00e9stec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sortir d&#039;un aval abans que el pr\u00e9stec acabi <strong>no \u00e9s senzill<\/strong>. A la majoria de casos, l&#039;aval dura fins que es paga el deute principal. No obstant aix\u00f2, hi ha tres vies possibles:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Cancel\u00b7lar el deute avalat.<\/strong> Quan el titular ho paga tot, l&#039;aval s&#039;extingeix.<br><\/li>\n\n\n\n<li><strong>Novaci\u00f3 o refinan\u00e7ament:<\/strong> el banc pot acceptar un altre avalador o garantia substitutiva.<br><\/li>\n\n\n\n<li><strong>Demanda judicial per cl\u00e0usules abusives o vicis al consentiment<\/strong>, encara que \u00e9s rar i requereix base legal s\u00f2lida.<br><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a0Si et preocupa la teva situaci\u00f3 com a avalador, considera opcions com <strong><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/sense-aval\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stecs personals sense aval<\/a><\/strong>, on nom\u00e9s tu respons pel teu deute.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFSe_puede_quitar_un_aval_de_un_prestamo_personal_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span>Es pot treure un aval d&#039;un pr\u00e9stec personal si s\u00f3c avalador puc demanar un pr\u00e9stec?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Nom\u00e9s si el banc ho aprova i el titular presenta una garantia equivalent o cancel\u00b7la el deute. No et pots \u201csortir\u201d pel teu compte.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_desventajas_tiene_ser_aval_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span><strong>Quins desavantatges t\u00e9 ser aval si s\u00f3c avalador puc demanar un pr\u00e9stec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ser avalista implica m\u00e9s responsabilitats que beneficis. No obtens diners, per\u00f2 s\u00ed que pots perdre molt si les coses van malament. A m\u00e9s:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Et resta capacitat per demanar cr\u00e8dits nous.<br><\/li>\n\n\n\n<li>Podeu malmetre el vostre historial financer.<br><\/li>\n\n\n\n<li>Crea tensions personals si hi ha impagaments.<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si tens previst demanar finan\u00e7ament aviat, evita signar nous avals. <strong>Si s\u00f3c avalador puc demanar un pr\u00e9stec<\/strong>, per\u00f2 cada aval redueix el teu marge econ\u00f2mic i la teva tranquil\u00b7litat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bloque_comparativo_tipos_de_aval_y_alternativas_reales\"><\/span><strong>Bloc comparatiu: tipus d&#039;aval i alternatives reals<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prestamos_con_aval_de_vivienda_ventajas_y_riesgos_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span>Pr\u00e9stecs amb aval d&#039;habitatge: avantatges i riscos si s\u00f3c avalador puc demanar un pr\u00e9stec<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avalar amb un habitatge pot facilitar un cr\u00e8dit de m\u00e9s import, per\u00f2 el risc \u00e9s enorme: si no es paga, l&#039;immoble pot acabar embargat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prestamos_con_aval_de_otra_persona_%C2%BFalternativa_valida_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span>Pr\u00e9stecs amb aval d&#039;una altra persona: alternativa v\u00e0lida si s\u00f3c avalador puc demanar un pr\u00e9stec?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Nom\u00e9s \u00e9s recomanable si l&#039;avalador ent\u00e9n plenament les conseq\u00fc\u00e8ncies. En qualsevol cas, els <strong>pr\u00e9stecs sense aval<\/strong> s\u00f3n m\u00e9s segurs i \u00e8tics.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_conseguir_un_aval_para_un_prestamo_sin_comprometer_tu_solvencia_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span>Com aconseguir un aval per a un pr\u00e9stec sense comprometre la teva solv\u00e8ncia si s\u00f3c avalador puc demanar un pr\u00e9stec<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Enforteix el teu propi perfil creditici:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mantingues ingressos estables.<br><\/li>\n\n\n\n<li>Evita deutes excessius.<br><\/li>\n\n\n\n<li>Tingues un historial de pagaments net.<br>Amb aquests factors, molts bancs no et demanaran avalador.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes_sobre_la_deuda_y_el_riesgo_si_soy_avalista_puedo_pedir_un_prestamo\"><\/span><strong>Preguntes freq\u00fcents sobre el deute i el risc: si s\u00f3c avalador puc demanar un pr\u00e9stec<\/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-1760957252197\"><strong class=\"schema-faq-question\"><strong>Quan no pots ser avalador si s\u00f3c avalador puc demanar un pr\u00e9stec?<\/strong><\/strong> <p class=\"schema-faq-answer\">Quan la teva situaci\u00f3 econ\u00f2mica no \u00e9s prou s\u00f2lida o ja figuren altres avals al teu CIRBE.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1760957264854\"><strong class=\"schema-faq-question\"><strong>Em pot avalar un pensionista si s\u00f3c avalador puc demanar un pr\u00e9stec?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed, per\u00f2 l&#039;entitat avaluar\u00e0 la pensi\u00f3 i l&#039;edat per determinar si el perfil \u00e9s viable.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1760957277251\"><strong class=\"schema-faq-question\"><strong>Si s\u00f3c avalador puc demanar una hipoteca o afecta la meva capacitat de cr\u00e8dit?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed que afecta, perqu\u00e8 l&#039;aval redueix la teva capacitat d&#039;endeutament.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Conclusi\u00f3: <\/strong><strong>si s\u00f3c avalador puc demanar un pr\u00e9stec<\/strong><strong>, per\u00f2 amb estrat\u00e8gia<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En resum: <strong>si s\u00f3c avalador puc demanar un pr\u00e9stec<\/strong>, per\u00f2 el meu marge de cr\u00e8dit ser\u00e0 m\u00e9s redu\u00eft. Avalar no m&#039;impedeix endeutar-me, per\u00f2 s\u00ed que m&#039;obliga a ser m\u00e9s cur\u00f3s amb les meves finances.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Abans de demanar un cr\u00e8dit, revisa el teu CIRBE, calcula la teva r\u00e0tio d&#039;endeutament i evita comprometre tercers. Si pots, escull <strong>pr\u00e9stecs sense aval<\/strong>, on nom\u00e9s tu respons pels teus pagaments i mantens el control de la teva economia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"%C2%BFNecesitas_Dinero_Urgente\"><\/span>Necessites Diners Urgents?<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>Ser avalista es un acto de confianza enorme, pero tambi\u00e9n un compromiso financiero que puede condicionar tu futuro. Si firmas como garante, respondes legalmente por la deuda de otra persona. Por eso muchos se preguntan: si soy avalista puedo pedir un pr\u00e9stamo para m\u00ed mismo, \u00bfqu\u00e9 pasa con mi solvencia? \u00bfEl banco me lo negar\u00e1? [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":7064,"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-7007","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>Si soy avalista, \u00bfpuedo pedir un pr\u00e9stamo? 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