{"id":7163,"date":"2025-10-29T14:12:10","date_gmt":"2025-10-29T12:12:10","guid":{"rendered":"https:\/\/www.avafin.es\/?p=7163"},"modified":"2026-07-23T10:43:10","modified_gmt":"2026-07-23T08:43:10","slug":"on-registrar-un-prestec-entre-familiars","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares","title":{"rendered":"On registrar un pr\u00e9stec entre familiars? Tot el que cal saber"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Saber <strong>on registrar un pr\u00e9stec entre familiars<\/strong> \u00e9s clau per evitar problemes fiscals i protegir legalment una operaci\u00f3 que, encara que comuna, pot tenir conseq\u00fc\u00e8ncies si no es documenta correctament. Aquest tipus de pr\u00e9stecs solen fer-se en moments de necessitat econ\u00f2mica o per donar suport a projectes importants com la compra d&#039;un habitatge, l&#039;inici d&#039;un negoci o estudis universitaris.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tot i aix\u00f2, moltes persones desconeixen que aquesta transacci\u00f3 es pot considerar una donaci\u00f3 encoberta si no es declara adequadament. En aquesta guia us expliquem tot el que necessiteu saber sobre el registre fiscal, com omplir el Model 600, evitar sancions d&#039;Hisenda, i quines alternatives existeixen si preferiu una soluci\u00f3 sense tr\u00e0mits ni complicacions.<\/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\/donde-registrar-un-prestamo-entre-familiares\/#%C2%BFDonde_se_registra_un_prestamo_entre_familiares\" >On es registra un pr\u00e9stec entre familiars?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares\/#La_oficina_liquidadora_de_Hacienda_el_punto_de_registro\" >L&#039;oficina liquidadora d&#039;Hisenda: el punt de registre<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares\/#%C2%BFComo_tributan_los_prestamos_entre_familiares\" >Com tributen els pr\u00e9stecs entre familiars?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares\/#Evitar_la_donacion_encubierta\" >Evitar la donaci\u00f3 encoberta<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares\/#Ventajas_y_Desventajas_del_Prestamo_entre_Familiares\" >Avantatges i Desavantatges del Pr\u00e9stec entre Familiars<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares\/#Ventajas_del_prestamo_entre_familiares\" >Avantatges del pr\u00e9stec entre familiars<\/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\/donde-registrar-un-prestamo-entre-familiares\/#Desventajas_del_prestamo_entre_familiares\" >Desavantatges del pr\u00e9stec entre familiars<\/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\/donde-registrar-un-prestamo-entre-familiares\/#Pasos_para_declarar_tu_prestamo_entre_familiares_Modelo_600\" >Passos per declarar el teu pr\u00e9stec entre familiars (Model 600)<\/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\/donde-registrar-un-prestamo-entre-familiares\/#1_Formalizar_el_contrato_por_escrito\" >1. Formalitzar el contracte per escrit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares\/#2_Cumplimentar_y_presentar_el_Modelo_600\" >2. Emplenar i presentar el Model 600<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares\/#3_%C2%BFQue_cantidad_de_dinero_se_puede_prestar_a_un_familiar\" >3. Quina quantitat de diners es pot prestar a un familiar?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares\/#4_%C2%BFQue_ocurre_con_la_cancelacion_del_prestamo_entre_familiares\" >4. Qu\u00e8 passa amb la cancel\u00b7laci\u00f3 del pr\u00e9stec entre familiars?<\/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\/donde-registrar-un-prestamo-entre-familiares\/#Olvidate_del_Modelo_600_la_simplicidad_de_un_prestamo_profesional\" >Oblida&#039;t del Model 600: la simplicitat d&#039;un pr\u00e9stec professional<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares\/#Evita_la_burocracia_familiar_y_fiscal\" >Evita la burocr\u00e0cia familiar i fiscal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares\/#Transparencia_y_rapidez_sin_compromiso_familiar\" >Transpar\u00e8ncia i rapidesa sense comprom\u00eds familiar<\/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\/donde-registrar-un-prestamo-entre-familiares\/#Preguntas_Frecuentes_sobre_el_Registro_Fiscal\" >Preguntes Freq\u00fcents sobre el Registre Fiscal<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares\/#%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=\"%C2%BFDonde_se_registra_un_prestamo_entre_familiares\"><\/span><strong>On es registra un pr\u00e9stec entre familiars?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Registrar un pr\u00e9stec entre familiars pot semblar innecessari perqu\u00e8 es tracta d&#039;una operaci\u00f3 privada, per\u00f2 <strong>Hisenda exigeix la seva formalitzaci\u00f3 quan hi ha una transfer\u00e8ncia de diners significativa entre particulars<\/strong>. El registre es realitza mitjan\u00e7ant la <strong>presentaci\u00f3 del Model 600<\/strong> a la <strong>Oficina Liquidadora d&#039;Hisenda<\/strong> corresponent a la teva comunitat aut\u00f2noma.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquest pas, encara que gratu\u00eft en els casos sense interessos, <strong>\u00e9s fonamental per demostrar que \u00e9s un pr\u00e9stec i no una donaci\u00f3<\/strong>, evitant aix\u00ed possibles sancions o rec\u00e0rrecs en el futur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, aquest tr\u00e0mit deixa const\u00e0ncia oficial de l&#039;acord, cosa que protegeix tant el prestador com el prestatari davant de possibles disputes o inspeccions fiscals. Encara que no \u00e9s obligatori elevar el contracte a escriptura p\u00fablica, s\u00ed que \u00e9s altament recomanable tenir un contracte escrit signat per ambdues parts i registrat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si el pr\u00e9stec no es declara, Hisenda podria exigir el pagament del <strong>Impost de Successions i Donacions<\/strong>, de manera que registrar correctament el pr\u00e9stec aporta seguretat jur\u00eddica i tranquil\u00b7litat fiscal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"La_oficina_liquidadora_de_Hacienda_el_punto_de_registro\"><\/span>L&#039;oficina liquidadora d&#039;Hisenda: el punt de registre<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les Oficines Liquidadores d&#039;Hisenda s\u00f3n les encarregades de <strong>rebre i tramitar el Model 600<\/strong>, que declara el pr\u00e9stec a efectes fiscals. Aquest tr\u00e0mit no implica el pagament d\u201fimpostos si es tracta d\u201fun <strong>pr\u00e9stec entre particulars sense interessos<\/strong>, per\u00f2 s\u00ed que serveix per deixar const\u00e0ncia oficial de l&#039;operaci\u00f3 i protegir les dues parts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si busques evitar complicacions legals futures, et recomanem anar amb el <strong>model pr\u00e9stec entre familiars<\/strong> degudament emplenat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_tributan_los_prestamos_entre_familiares\"><\/span>Com tributen els pr\u00e9stecs entre familiars?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Els pr\u00e9stecs entre familiars <strong>no tributen per l&#039;impost sobre transmissions patrimonials<\/strong> si no hi ha interessos. Aix\u00f2 no obstant, \u00e9s obligatori <strong>declarar-los mitjan\u00e7ant el Model 600<\/strong>, encara que la quota a pagar sigui zero.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ara b\u00e9, si el pr\u00e9stec inclou interessos, el prestador haur\u00e0 de declarar-los com a rendiment del capital mobiliari a la seva declaraci\u00f3 de la renda. En qualsevol cas, el receptor del pr\u00e9stec no tributa, per\u00f2 Hisenda ha de saber que aquests diners no s\u00f3n una donaci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de no declarar el pr\u00e9stec, Hisenda el pot considerar una <strong>donaci\u00f3 encoberta<\/strong> i aplicar el <strong>Impost sobre Successions i Donacions<\/strong>, que sol ser molt m\u00e9s elevat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evitar_la_donacion_encubierta\"><\/span>Evitar la donaci\u00f3 encoberta<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un dels riscos m\u00e9s grans de no registrar un pr\u00e9stec familiar \u00e9s que Hisenda ho consideri una donaci\u00f3. Aix\u00f2 pot suposar un <strong>gravamen de fins al 30% o m\u00e9s<\/strong>, depenent de la comunitat aut\u00f2noma.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, formalitzar un <strong>pr\u00e9stec entre familiars sense interessos<\/strong>, per escrit i registrat, \u00e9s la millor manera d&#039;evitar malentesos i problemes fiscals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ventajas_y_Desventajas_del_Prestamo_entre_Familiares\"><\/span><strong>Avantatges i Desavantatges del Pr\u00e9stec entre Familiars<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Fer un pr\u00e9stec entre familiars pot semblar l&#039;opci\u00f3 m\u00e9s senzilla i econ\u00f2mica per obtenir finan\u00e7ament, especialment si hi ha una bona relaci\u00f3 personal i confian\u00e7a m\u00fatua. Tanmateix, \u00e9s fonamental con\u00e8ixer tant els beneficis com els possibles riscos abans de prendre una decisi\u00f3. No tot \u00e9s blanc o negre: aquesta mena d&#039;acord comporta <strong>implicacions fiscals, legals i emocionals<\/strong> que no s&#039;han de subestimar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A continuaci\u00f3, t&#039;expliquem quines s\u00f3n les principals <strong>avantatges i desavantatges d&#039;un pr\u00e9stec familiar<\/strong>, perqu\u00e8 valoris si realment s&#039;adapta a la teva situaci\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ventajas_del_prestamo_entre_familiares\"><\/span>Avantatges del pr\u00e9stec entre familiars<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una operaci\u00f3 ben gestionada entre persones de confian\u00e7a pot portar diversos beneficis:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Flexibilitat<\/strong>: generalment, els familiars no imposen condicions tan estrictes com les entitats financeres. Els terminis i les formes de devoluci\u00f3 solen ser m\u00e9s adaptables.<\/li>\n\n\n\n<li><strong>Sense interessos<\/strong>: \u00e9s com\u00fa que es tracti d&#039;un <strong>pr\u00e9stec entre familiars sense interessos<\/strong>, la qual cosa permet estalviar costos financers importants.<\/li>\n\n\n\n<li><strong>Tracte de confian\u00e7a<\/strong>: en existir un vincle personal, el proc\u00e9s sol ser r\u00e0pid, directe i sense tants requisits formals.<\/li>\n\n\n\n<li><strong>Possibilitat d&#039;acordar condicions especials<\/strong>, com vincular-ho a una futura her\u00e8ncia (<strong>pr\u00e9stec entre familiars a descomptar d&#039;her\u00e8ncia<\/strong>), cosa que no sol contemplar-se en productes bancaris.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Desventajas_del_prestamo_entre_familiares\"><\/span>Desavantatges del pr\u00e9stec entre familiars<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ara b\u00e9, quan no es formalitza correctament, aquest tipus de pr\u00e9stecs poden generar complicacions importants:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Manca de formalitzaci\u00f3<\/strong>: Moltes vegades no se signa un contracte ni es declara el pr\u00e9stec, cosa que pot derivar en <strong>sancions per part d&#039;Hisenda<\/strong> si s&#039;interpreta com a donaci\u00f3 encoberta.<\/li>\n\n\n\n<li><strong>Conflictes personals<\/strong>: Si els diners no es retornen en el termini acordat, poden sorgir tensions o fins i tot trencar relacions familiars.<\/li>\n\n\n\n<li><strong>Dificultat de reclamaci\u00f3<\/strong>: Si no hi ha contracte ni justificants, \u00e9s molt dif\u00edcil reclamar judicialment l&#039;import prestat.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En conclusi\u00f3, encara que el pr\u00e9stec familiar ofereix avantatges significatius, nom\u00e9s \u00e9s recomanable si es <strong>documenta correctament<\/strong> i es registren els acords. Per aix\u00f2, pots utilitzar un <strong>model de contracte de pr\u00e9stec entre familiars sense interessos PDF o Word<\/strong>, i formalitzar-ho mitjan\u00e7ant el Model 600 per evitar problemes futurs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pasos_para_declarar_tu_prestamo_entre_familiares_Modelo_600\"><\/span><strong>Passos per declarar el teu pr\u00e9stec entre familiars (Model 600)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Registrar un pr\u00e9stec entre familiars no \u00e9s tan complicat com sembla, per\u00f2 s\u00ed que requereix seguir certs passos per complir els requisits fiscals establerts per l&#039;Ag\u00e8ncia Tribut\u00e0ria. El document clau per aix\u00f2 \u00e9s el <strong>Model 600<\/strong>, utilitzat per declarar operacions subjectes al <strong>Impost sobre Transmissions Patrimonials (ITP)<\/strong>, encara que en aquest cas, si no hi ha interessos, l&#039;impost ser\u00e0 de <strong>quota zero<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A continuaci\u00f3, t&#039;expliquem detalladament com realitzar correctament aquest tr\u00e0mit i quins documents necessites presentar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Formalizar_el_contrato_por_escrito\"><\/span>1. Formalitzar el contracte per escrit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El primer pas \u00e9s <strong>formalitzar l&#039;acord per escrit<\/strong>. Tot i que un pr\u00e9stec verbal entre particulars \u00e9s v\u00e0lid legalment, Hisenda sempre exigir\u00e0 <strong>proves documentals<\/strong> si es produeix una inspecci\u00f3 o si el pr\u00e9stec supera certs imports.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El contracte ha d&#039;incloure:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Identificaci\u00f3 completa de les dues parts (nom, DNI, domicili).<\/li>\n\n\n\n<li>Data de la signatura del contracte.<\/li>\n\n\n\n<li>Import total del pr\u00e9stec.<\/li>\n\n\n\n<li>Forma i termini de devoluci\u00f3.<\/li>\n\n\n\n<li>Cl\u00e0usula expressa indicant si el pr\u00e9stec \u00e9s <strong>sense interessos<\/strong>.<\/li>\n\n\n\n<li>Signatura de les dues parts.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Per facilitar-te el proc\u00e9s, pots utilitzar un <strong>model de contracte de pr\u00e9stec entre familiars sense interessos Word<\/strong> o en PDF. Hi ha plantilles adaptades que podeu descarregar i imprimir per signar f\u00edsicament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si est\u00e0s pensant a anticipar part d&#039;una her\u00e8ncia, tamb\u00e9 pots fer constar al contracte que el pr\u00e9stec \u00e9s <strong>a descomptar d&#039;her\u00e8ncia<\/strong>, cosa que ajudar\u00e0 a evitar conflictes futurs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Cumplimentar_y_presentar_el_Modelo_600\"><\/span>2. Emplenar i presentar el Model 600<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El Model 600 \u00e9s el formulari oficial de lAg\u00e8ncia Tribut\u00e0ria per declarar operacions subjectes a transmissions patrimonials. Per presentar-lo:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Descarrega el model des de la web de la teva comunitat aut\u00f2noma.<\/li>\n\n\n\n<li>Indica que \u00e9s un \u201cpr\u00e9stec entre particulars sense interessos\u201d.<\/li>\n\n\n\n<li>Adjunta el contracte signat.<\/li>\n\n\n\n<li>Marqueu l&#039;opci\u00f3 \u201csense ingr\u00e9s\u201d (quota zero).<\/li>\n\n\n\n<li>Presenta la documentaci\u00f3 a la teva Oficina Liquidadora o via telem\u00e0tica.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Si tens dubtes sobre com emplenar-lo correctament, aqu\u00ed et deixem un exemple pr\u00e0ctic: <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/un-prestec-personal-desgrava-en-la-declaracio-de-la-renda\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Un pr\u00e9stec personal desgrava a la declaraci\u00f3 de la renda?<\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_%C2%BFQue_cantidad_de_dinero_se_puede_prestar_a_un_familiar\"><\/span>3. Quina quantitat de diners es pot prestar a un familiar?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un cop completat el Model 600 i signat el contracte, arriba el moment de <strong>presentar-lo davant de l&#039;Oficina Liquidadora de la teva comunitat aut\u00f2noma<\/strong>. Pots fer-ho:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Presencialment<\/strong>, demanant cita pr\u00e8via a Hisenda.<\/li>\n\n\n\n<li><strong>Telem\u00e0ticament<\/strong>, a trav\u00e9s del portal web de la teva comunitat.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Recorda portar o pujar la documentaci\u00f3 seg\u00fcent:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Contracte de pr\u00e9stec signat.<\/li>\n\n\n\n<li>C\u00f2pia del DNI de totes dues parts.<\/li>\n\n\n\n<li>Model 600 emplenat.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aquest pas deixa const\u00e0ncia oficial que els diners rebuts no s\u00f3n una donaci\u00f3, cosa que evita conflictes legals i tributaris.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_%C2%BFQue_ocurre_con_la_cancelacion_del_prestamo_entre_familiares\"><\/span>4. Qu\u00e8 passa amb la cancel\u00b7laci\u00f3 del pr\u00e9stec entre familiars?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan el pr\u00e9stec ha estat tornat en la seva totalitat, \u00e9s recomanable deixar const\u00e0ncia de la <strong>cancel\u00b7laci\u00f3 del pr\u00e9stec entre familiars<\/strong> per tancar el cicle legal i fiscal de loperaci\u00f3. Encara que no \u00e9s obligatori registrar la cancel\u00b7laci\u00f3 davant d&#039;Hisenda, s\u00ed que conv\u00e9 documentar-la correctament per si en el futur hi hagu\u00e9s una revisi\u00f3 o conflicte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El m\u00e9s habitual \u00e9s redactar un <strong>document de cancel\u00b7laci\u00f3<\/strong> signat per ambdues parts, indicant:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Que el pr\u00e9stec ha estat tornat completament.<\/li>\n\n\n\n<li>La data de finalitzaci\u00f3 del pagament.<\/li>\n\n\n\n<li>Els mitjans de pagament utilitzats (transfer\u00e8ncies, ingressos, etc.).<\/li>\n\n\n\n<li>Qualsevol cl\u00e0usula addicional pactada al contracte original, com a interessos o terminis especials.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En pr\u00e9stecs importants, o si es van vincular a her\u00e8ncia, pot ser \u00fatil presentar aquest document davant de notari o conservar-lo juntament amb el contracte inicial i els justificants bancaris.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, si al seu moment es va presentar el <strong>Model 600<\/strong>, conservar c\u00f2pia del mateix juntament amb la cancel\u00b7laci\u00f3 tancar\u00e0 per complet l&#039;expedient fiscal davant d&#039;Hisenda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Documentar la devoluci\u00f3 protegeix tant el prestador com el prestatari i evita futurs malentesos, especialment en contextos d&#039;her\u00e8ncia, divorci o disputes patrimonials.<strong><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Olvidate_del_Modelo_600_la_simplicidad_de_un_prestamo_profesional\"><\/span>Oblida&#039;t del Model 600: la simplicitat d&#039;un pr\u00e9stec professional<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tot i que els pr\u00e9stecs entre familiars poden semblar l&#039;opci\u00f3 m\u00e9s r\u00e0pida i econ\u00f2mica, a la pr\u00e0ctica moltes vegades generen tensions, dubtes fiscals i una gran quantitat de tr\u00e0mits que poden complicar m\u00e9s del que s&#039;esperava.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, cada cop m\u00e9s persones opten per una alternativa molt m\u00e9s pr\u00e0ctica, segura i lliure de paperassa: el <strong>pr\u00e9stec professional gestionat per entitats financeres<\/strong>. Amb aquesta opci\u00f3, <strong>no cal presentar el Model 600, redactar contractes manuals ni acudir a l&#039;Oficina Liquidadora d&#039;Hisenda<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evita_la_burocracia_familiar_y_fiscal\"><\/span>Evita la burocr\u00e0cia familiar i fiscal<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan prestes diners a un familiar, est\u00e0s assumint dues responsabilitats importants: <strong>la financera<\/strong> i <strong>l&#039;emocional<\/strong>. A m\u00e9s del risc d&#039;impagament, hi ha el perill que Hisenda interpreti la transacci\u00f3 com una donaci\u00f3 encoberta si no es declara adequadament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Amb un pr\u00e9stec professional:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No t&#039;has de preocupar per redactar un contracte ni presentar el Model 600.<\/li>\n\n\n\n<li>Evites conflictes derivats dels diners a l&#039;entorn familiar.<\/li>\n\n\n\n<li>T&#039;oblides del seguiment del pr\u00e9stec, ja que tot el proc\u00e9s est\u00e0 automatitzat.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tot aix\u00f2 es tradueix en <strong>m\u00e9s seguretat jur\u00eddica<\/strong>, menys tr\u00e0mits i zero preocupacions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Transparencia_y_rapidez_sin_compromiso_familiar\"><\/span>Transpar\u00e8ncia i rapidesa sense comprom\u00eds familiar<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un dels grans avantatges dels pr\u00e9stecs professionals \u00e9s que <strong>tot queda registrat legalment i de manera immediata<\/strong>, sense necessitat de signar papers a m\u00e0 ni justificar l&#039;origen dels diners entre familiars.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pots sol\u00b7licitar el pr\u00e9stec <strong>en l\u00ednia en minuts<\/strong>.<\/li>\n\n\n\n<li>Reps una resposta r\u00e0pida i sense avals familiars.<\/li>\n\n\n\n<li>S&#039;estableix un <strong>cronograma de pagaments clar i automatitzat<\/strong>.<\/li>\n\n\n\n<li>Tens acc\u00e9s a finan\u00e7ament personalitzat segons el teu perfil.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aquest tipus de pr\u00e9stecs s\u00f3n ideals si necessites diners de manera urgent o vols evitar situacions inc\u00f2modes amb els teus \u00e9ssers estimats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T&#039;interessa una soluci\u00f3 r\u00e0pida i sense complicacions? Explora les nostres opcions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/\" target=\"_blank\" rel=\"noreferrer noopener\">Demana el teu pr\u00e9stec personal ara<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/1000-euros\/\" target=\"_blank\" rel=\"noreferrer noopener\">Aconsegueix 1.000 euros sense paperassa<\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_Frecuentes_sobre_el_Registro_Fiscal\"><\/span><strong>Preguntes Freq\u00fcents sobre el Registre Fiscal<\/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-1761567351305\"><strong class=\"schema-faq-question\"><strong>On es registra un pr\u00e9stec entre familiars?<\/strong><\/strong> <p class=\"schema-faq-answer\">A l&#039;Oficina Liquidadora d&#039;Hisenda de la comunitat aut\u00f2noma. All\u00ed es presenta el Model 600 juntament amb el contracte del pr\u00e9stec.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761567360387\"><strong class=\"schema-faq-question\"><strong>On presentar el model 600 de pr\u00e9stec familiar?<\/strong><\/strong> <p class=\"schema-faq-answer\">Es pot presentar:<br\/>\u2013 <strong>Presencialment<\/strong>, a les oficines d&#039;Hisenda.<br\/><strong>\u2013<\/strong> <strong>Telem\u00e0ticament<\/strong>, al portal web de la comunitat aut\u00f2noma corresponent (requereix certificat digital o Cl@ve).<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761567378615\"><strong class=\"schema-faq-question\"><strong>Com tributen els pr\u00e9stecs entre familiars?<\/strong><\/strong> <p class=\"schema-faq-answer\">\u2013 <strong>Sense interessos<\/strong>: No tributen, per\u00f2 s&#039;han de registrar amb quota zero.<br\/><strong>\u2013<\/strong> <strong>Amb interessos<\/strong>: El prestador ha d&#039;incloure&#039;ls al seu IRPF com a rendiment del capital mobiliari.<br\/>Aix\u00f2 aplica tamb\u00e9 a la <strong>tributaci\u00f3 pr\u00e9stec entre particulars sense interessos<\/strong>, ja que Hisenda exigeix igualment la seva declaraci\u00f3.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761567391705\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 passa si no registre un pr\u00e9stec entre familiars?<\/strong><\/strong> <p class=\"schema-faq-answer\">Si no ho registres, Hisenda podria considerar-ho una donaci\u00f3 encoberta, cosa que implica pagar l&#039;impost sobre successions i donacions, amb tipus molt m\u00e9s elevats. A m\u00e9s a m\u00e9s, en cas de conflicte familiar, no tindr\u00e0s com demostrar que va ser un pr\u00e9stec.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Registrar correctament un pr\u00e9stec entre familiars no nom\u00e9s \u00e9s una mesura fiscalment responsable, sin\u00f3 tamb\u00e9 una forma de <strong>protegir la relaci\u00f3 familiar i evitar sancions<\/strong>. Encara que el tr\u00e0mit pugui semblar tedi\u00f3s, \u00e9s m\u00e9s senzill del que creus si comptes amb un model de contracte clar i presentes el Model 600 adequadament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si prefereixes evitar paperassa i possibles friccions familiars, optar per un pr\u00e9stec professional pot ser la soluci\u00f3 perfecta, r\u00e0pida i transparent.<\/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>Saber d\u00f3nde registrar un pr\u00e9stamo entre familiares es clave para evitar problemas fiscales y proteger legalmente una operaci\u00f3n que, aunque com\u00fan, puede tener consecuencias si no se documenta correctamente. Este tipo de pr\u00e9stamos suelen realizarse en momentos de necesidad econ\u00f3mica o para apoyar proyectos importantes como la compra de una vivienda, el inicio de un [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":7165,"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-7163","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>\u00bfD\u00f3nde registrar un pr\u00e9stamo entre familiares? 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La seva experi\u00e8ncia en recerca de mercats a AvaFin, brinda gran valor al moment de generar informaci\u00f3 \u00fatil sobre aquelles persones que busquen prendre decisions financeres adequades a la seva situaci\u00f3.","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\/donde-registrar-un-prestamo-entre-familiares#faq-question-1761567351305","position":1,"url":"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares#faq-question-1761567351305","name":"On es registra un pr\u00e9stec entre familiars?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"En la Oficina Liquidadora de Hacienda de tu comunidad aut\u00f3noma. All\u00ed se presenta el Modelo 600 junto con el contrato del pr\u00e9stamo.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares#faq-question-1761567360387","position":2,"url":"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares#faq-question-1761567360387","name":"On presentar el model 600 de pr\u00e9stec familiar?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Puede presentarse:<br\/>- <strong>Presencialmente<\/strong>, en las oficinas de Hacienda.<br\/><strong>-<\/strong> <strong>Telem\u00e1ticamente<\/strong>, en el portal web de la comunidad aut\u00f3noma correspondiente (requiere certificado digital o Cl@ve).","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares#faq-question-1761567378615","position":3,"url":"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares#faq-question-1761567378615","name":"Com tributen els pr\u00e9stecs entre familiars?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"- <strong>Sin intereses<\/strong>: No tributan, pero deben registrarse con cuota cero.<br\/><strong>-<\/strong> <strong>Con intereses<\/strong>: El prestamista debe incluirlos en su IRPF como rendimiento del capital mobiliario.<br\/>Esto aplica tambi\u00e9n a la <strong>tributaci\u00f3n pr\u00e9stamo entre particulares sin intereses<\/strong>, ya que Hacienda exige igualmente su declaraci\u00f3n.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares#faq-question-1761567391705","position":4,"url":"https:\/\/www.avafin.es\/ca\/blog\/donde-registrar-un-prestamo-entre-familiares#faq-question-1761567391705","name":"Qu\u00e8 passa si no registre un pr\u00e9stec entre familiars?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Si no lo registras, Hacienda podr\u00eda considerarlo una donaci\u00f3n encubierta, lo que implica pagar el Impuesto sobre Sucesiones y Donaciones, con tipos mucho m\u00e1s elevados. Adem\u00e1s, en caso de conflicto familiar, no tendr\u00e1s c\u00f3mo demostrar que fue un pr\u00e9stamo.","inLanguage":"ca"},"inLanguage":"ca"}]}},"jetpack_publicize_connections":[],"featured_media_link":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/10\/donde-registrar-un-prestamo-entre-familiares-768x513.jpg","category":{"color":"#010440","link":"https:\/\/www.avafin.es\/ca\/blog\/educacion-financiera","text":"Educaci\u00f3n financiera"},"_links":{"self":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/7163","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=7163"}],"version-history":[{"count":1,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/7163\/revisions"}],"predecessor-version":[{"id":11546,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/7163\/revisions\/11546"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media\/7165"}],"wp:attachment":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media?parent=7163"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/categories?post=7163"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/tags?post=7163"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}