{"id":7251,"date":"2025-10-31T15:22:09","date_gmt":"2025-10-31T13:22:09","guid":{"rendered":"https:\/\/www.avafin.es\/?p=7251"},"modified":"2026-04-23T12:58:56","modified_gmt":"2026-04-23T10:58:56","slug":"edat-maxima-per-demanar-un-prestec-personal","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/bloc\/edat-maxima-per-demanar-un-prestec-personal","title":{"rendered":"A quina edat ja no es pot obtenir un pr\u00e9stec? Guia per a majors de 70 anys"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Moltes persones grans arriben als 70, 75 o fins i tot 80 anys amb bona salut financera, ingressos estables (normalment mitjan\u00e7ant una pensi\u00f3) i amb necessitats puntuals de finan\u00e7ament. Tot i aix\u00f2, en intentar sol\u00b7licitar un pr\u00e9stec personal, es troben amb un obstacle: <strong>l&#039;edat<\/strong>. Aix\u00f2 planteja una pregunta que, encara que \u00e9s inc\u00f2moda, \u00e9s molt freq\u00fcent: <strong>a quina edat ja no es pot obtenir un pr\u00e9stec?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contrari al que molts creuen, no hi ha una \u00fanica resposta, ja que els l\u00edmits d&#039;edat <strong>no estan regulats per llei<\/strong>, sin\u00f3 que varien segons cada entitat financera. El que s\u00ed que \u00e9s clar \u00e9s que, a partir de cert rang d&#039;edat, aconseguir finan\u00e7ament pot ser m\u00e9s dif\u00edcil\u2026 per\u00f2 <strong>no impossible<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En aquest article analitzem en profunditat <strong>els criteris d&#039;edat als pr\u00e9stecs personals<\/strong>, quines opcions hi ha per <strong>majors de 70 anys<\/strong>, com influeix la pensi\u00f3 en l&#039;aprovaci\u00f3 d&#039;un cr\u00e8dit, i quines alternatives reals tenen els jubilats i els pensionistes per aconseguir finan\u00e7ament sense avals ni tr\u00e0mits complexos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9 explorarem les solucions espec\u00edfiques que ofereix Avafin, com els seus <strong><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stecs personals r\u00e0pids<\/a><\/strong>, pensats per a persones grans que necessiten diners sense complicacions i amb requisits realistes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>A quina edat ja no es pot obtenir un pr\u00e9stec?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">La regla dels 75 anys al venciment<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una de les regles m\u00e9s habituals que apliquen els bancs tradicionals \u00e9s la trucada <strong>regla dels 75 anys al venciment<\/strong>. Aix\u00f2 vol dir que l&#039;edat del sol\u00b7licitant <strong>m\u00e9s el termini de devoluci\u00f3 del pr\u00e9stec no ha de superar els 75 anys<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per exemple:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si tens 68 anys i sol\u00b7licites un pr\u00e9stec a 5 anys, arribar\u00e0s als 73 al venciment \u2192 Possible.<br><\/li>\n\n\n\n<li>Si tens 72 anys i sol\u00b7licites el mateix termini \u2192 Rebutjat a molts bancs.<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta limitaci\u00f3 no t\u00e9 base legal, per\u00f2 respon a <strong>criteris de risc actuarial<\/strong> utilitzats per les entitats financeres. Des del seu punt de vista, a m\u00e9s edat, m\u00e9s gran \u00e9s el risc d&#039;impagament per motius de salut, depend\u00e8ncia o mort. Per aix\u00f2 moltes entitats directament <strong>no concedeixen pr\u00e9stecs per a majors de 70 anys<\/strong> o els restringeixen a terminis molt curts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">El factor risc: incertesa i garantia<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;edat avan\u00e7ada no \u00e9s, per si mateixa, un impediment legal per sol\u00b7licitar finan\u00e7ament. El problema \u00e9s que moltes entitats l&#039;associen amb un <strong>augment del risc<\/strong>. Entre els factors que m\u00e9s preocupen els bancs hi ha:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Menor esperan\u00e7a de vida.<br><\/li>\n\n\n\n<li>Possibles malalties o depend\u00e8ncia.<br><\/li>\n\n\n\n<li>Dificultat per obtenir garanties addicionals.<br><\/li>\n\n\n\n<li>Impossibilitat de contractar assegurances de vida.<br><\/li>\n\n\n\n<li>Incertesa en la continu\u00eftat dels ingressos.<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, a partir de certa edat, molts bancs nom\u00e9s atorguen pr\u00e9stecs si es <strong>presenta un avalador jove<\/strong>, si es contracta una asseguran\u00e7a addicional o si la persona t\u00e9 una <strong>habitatge lliure de c\u00e0rregues<\/strong> que es pugui fer servir com a garantia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00f2 deixa fora molts jubilats que, encara que tenen pensions estables i bona solv\u00e8ncia, no compleixen els requisits tradicionals. D&#039;aqu\u00ed ve la import\u00e0ncia de <strong>cercar alternatives m\u00e9s flexibles<\/strong>, com les que ofereixen plataformes financeres no banc\u00e0ries.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pr\u00e9stecs per a persones m\u00e9s grans de 70 anys: la import\u00e0ncia de la pensi\u00f3<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Ingressos estables vs. edat<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un dels arguments m\u00e9s s\u00f2lids a favor de concedir pr\u00e9stecs a persones m\u00e9s grans de 70 anys \u00e9s que <strong>els ingressos per pensi\u00f3 s\u00f3n estables i recurrents<\/strong>. A difer\u00e8ncia dels ingressos laborals, que poden variar o desapar\u00e8ixer, les pensions se solen mantenir en el temps, especialment si s\u00f3n contributives i garantides per l&#039;Estat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquest ingr\u00e9s fix mensual permet a molts pensionistes tenir-ne una <strong>situaci\u00f3 econ\u00f2mica m\u00e9s previsible que la de persones joves<\/strong>, cosa que els fa perfectament capa\u00e7os d&#039;assumir quotes de pr\u00e9stecs personals si s&#039;ajusten a la seva capacitat real de pagament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, cada cop m\u00e9s entitats especialment les fintech prioritzen la <strong>solv\u00e8ncia actual<\/strong> davant de l&#039;edat cronol\u00f2gica del sol\u00b7licitant. En comptes d&#039;aplicar una regla arbitr\u00e0ria d&#039;edat, analitzen els ingressos, les despeses i el comportament financer del client.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L&#039;asseguran\u00e7a de vida i l&#039;aval com a refor\u00e7<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En alguns casos, per poder accedir a un pr\u00e9stec sent major, s&#039;exigeix contractar un <strong>asseguran\u00e7a de vida vinculada al pr\u00e9stec<\/strong>, que cobreixi el saldo pendent en cas de defunci\u00f3. Aquesta asseguran\u00e7a sol ser obligat\u00f2ria si se supera certa edat, encara que el seu cost pot ser elevat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una altra opci\u00f3 que es demana sovint \u00e9s <strong>incorporar un avalador jove<\/strong>, generalment un fill o familiar que es comprometi a respondre si el titular no ho pot fer. No obstant aix\u00f2, <strong>no totes les persones grans tenen a qui rec\u00f3rrer per aquesta garantia<\/strong>, el que pot limitar molt les opcions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aquest motiu, cada cop m\u00e9s persones busquen <strong>pr\u00e9stecs per a majors de 76 anys sense aval<\/strong>, on s&#039;avalua nom\u00e9s el titular i no s&#039;exigeix suport extern.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pr\u00e9stecs per a majors de 76 anys sense aval<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tot i que no s\u00f3n tan comuns, <strong>s\u00ed que hi ha pr\u00e9stecs dissenyats espec\u00edficament per a majors de 76 anys sense necessitat d&#039;aval<\/strong>. Aquest tipus de finan\u00e7ament es basa en una an\u00e0lisi m\u00e9s flexible del perfil del sol\u00b7licitant, prioritzant factors com:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ingr\u00e9s mensual per pensi\u00f3.<br><\/li>\n\n\n\n<li>Nivell d\u02bbendeutament actual.<br><\/li>\n\n\n\n<li>Historial creditici recent.<br><\/li>\n\n\n\n<li>Capacitat de devoluci\u00f3 a curt termini.<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La clau \u00e9s a <strong>adaptar l&#039;import i el termini del pr\u00e9stec a la realitat del client<\/strong>. Per exemple, en lloc d&#039;oferir 10.000 \u20ac a 5 anys, es pot optar per 1.000 \u20ac a 6 mesos, cosa que redueix el risc i permet accedir a finan\u00e7ament sense garanties addicionals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquest model, m\u00e9s realista i centrat a curt termini, \u00e9s ideal per a persones que necessiten cobrir <strong>una despesa puntual<\/strong>, una reparaci\u00f3 dom\u00e8stica, una ajuda familiar o una emerg\u00e8ncia m\u00e8dica.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, si el sol\u00b7licitant no \u00e9s a ASNEF i presenta un comportament financer responsable, pot obtenir millors condicions. En casos d&#039;inclusi\u00f3 a fitxers, hi ha entitats com Avafin que ofereixen <strong><a href=\"https:\/\/www.avafin.es\/ca\/bloc\/un-prestec-personal-desgrava-en-la-declaracio-de-la-renda\/\" target=\"_blank\" rel=\"noreferrer noopener\">solucions adaptades<\/a><\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pr\u00e9stecs d&#039;Avafin: la soluci\u00f3 r\u00e0pida per a l&#039;edat avan\u00e7ada<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Prioritat a la solv\u00e8ncia actual, no al llarg termini<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A Avafin entenem que <strong>l&#039;edat no hauria de ser una barrera per accedir a finan\u00e7ament<\/strong>, especialment si la persona mant\u00e9 una situaci\u00f3 econ\u00f2mica estable. Per aix\u00f2, els nostres pr\u00e9stecs personals s&#039;adapten a <strong>pensionistes i jubilats<\/strong>, sense necessitat d&#039;avals ni garanties complexes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avaluem la capacitat de pagament en funci\u00f3 de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ingressos reals.<br><\/li>\n\n\n\n<li>Estabilitat mensual.<br><\/li>\n\n\n\n<li>R\u00e0tio entre ingressos i despeses.<br><\/li>\n\n\n\n<li>Comportament creditici recent.<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si b\u00e9 no oferim finan\u00e7ament a molt llarg termini, s\u00ed que brindem <strong>solucions r\u00e0pides, pr\u00e0ctiques i adaptades a la realitat de cada client<\/strong>. Si tens m\u00e9s de 70, 75 o fins i tot 80 anys i necessites finan\u00e7ament puntual, pots sol\u00b7licitar des de <strong><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/1000-euros\/\" target=\"_blank\" rel=\"noreferrer noopener\">1.000 euros<\/a><\/strong> sense complicacions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Requisits simples: pr\u00e9stecs per a pensionistes sense tanta burocr\u00e0cia<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sol\u00b7licitar un pr\u00e9stec amb Avafin \u00e9s un proc\u00e9s 100 % online, \u00e0gil i sense paperassa innecess\u00e0ria. No demanem aval, no exigim assegurances obligat\u00f2ries i no penalitzem per edat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nom\u00e9s necessites:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DNI o NIE v\u00e0lid.<br><\/li>\n\n\n\n<li>Compte bancari al teu nom.<br><\/li>\n\n\n\n<li>Justificant dingressos (per exemple, la pensi\u00f3).<br><\/li>\n\n\n\n<li>Tel\u00e8fon i correu electr\u00f2nic de contacte.<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En q\u00fcesti\u00f3 de minuts pots saber si el teu pr\u00e9stec ha estat aprovat, i <strong>rebre els diners el mateix dia<\/strong>, depenent de l&#039;hora i la vostra entitat banc\u00e0ria.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Preguntes freq\u00fcents sobre el l\u00edmit d&#039;edat<\/strong><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1761916120338\"><strong class=\"schema-faq-question\"><strong>Quin \u00e9s el l\u00edmit d&#039;edat per demanar un pr\u00e9stec?<\/strong><\/strong> <p class=\"schema-faq-answer\">No hi ha l\u00edmit d&#039;edat legal, per\u00f2 moltes entitats estableixen un m\u00e0xim de 75 o 80 anys al venciment del pr\u00e9stec. No obstant aix\u00f2, en plataformes com Avafin, el que importa \u00e9s el teu <strong>capacitat actual de pagament<\/strong>, no la teva edat.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761916129928\"><strong class=\"schema-faq-question\"><strong>Puc obtenir un pr\u00e9stec si tinc m\u00e9s de 70 anys?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed, \u00e9s possible obtenir pr\u00e9stecs per a persones m\u00e9s grans de 70 anys, especialment si comptes amb ingressos estables (com una pensi\u00f3) i no tens un nivell d&#039;endeutament elevat. Alguns bancs s\u00f3n m\u00e9s restrictius, per\u00f2 existeixen <strong>opcions espec\u00edfiques per a jubilats<\/strong>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761916141201\"><strong class=\"schema-faq-question\"><strong>Quin \u00e9s el m\u00e0xim d&#039;anys per pagar un pr\u00e9stec personal?<\/strong><\/strong> <p class=\"schema-faq-answer\">Dep\u00e8n de lentitat i del perfil del sol\u00b7licitant. En general, els terminis van de 6 a 84 mesos (7 anys), per\u00f2 si el sol\u00b7licitant \u00e9s m\u00e9s gran, el termini sol ser m\u00e9s curt. El m\u00e9s important \u00e9s que el termini <strong>no superi el l\u00edmit d&#039;edat fixat per l&#039;entitat al venciment<\/strong> del pr\u00e9stec.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;edat pot ser un factor a considerar en sol\u00b7licitar un pr\u00e9stec, per\u00f2 <strong>no \u00e9s un impediment definitiu<\/strong>. Avui dia, moltes entitats estan deixant enrere els models tradicionals i ofereixen solucions m\u00e9s inclusives, on el que importa no \u00e9s quants anys tens, sin\u00f3 si pots pagar all\u00f2 que sol\u00b7licites.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si ets pensionista, jubilat o major de 70 anys, i necessites finan\u00e7ament per cobrir una despesa puntual, recorda que existeixen <strong>opcions reals i accessibles<\/strong>, com els pr\u00e9stecs personals d&#039;Avafin. Sense aval, sense lletra petita i amb un proc\u00e9s r\u00e0pid que s&#039;adapta al teu ritme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No importa si en tens m\u00e9s de 70. El que importa \u00e9s que segueixis tenint <strong>dret a solucions financeres clares i respectuoses amb la teva situaci\u00f3 personal<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Demana el teu Pr\u00e9stec a l&#039;instant<\/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>Moltes persones grans arriben als 70, 75 o fins i tot 80 anys amb bona salut financera, ingressos estables (normalment mitjan\u00e7ant una pensi\u00f3) i amb necessitats puntuals de finan\u00e7ament. Tot i aix\u00f2, en intentar sol\u00b7licitar un pr\u00e9stec personal, es troben amb un obstacle: l&#039;edat. Aix\u00f2 planteja una pregunta que, tot i que \u00e9s inc\u00f2moda, \u00e9s molt freq\u00fcent: [\u2026]<\/p>","protected":false},"author":32,"featured_media":7252,"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-7251","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacion-financiera","category-prestamo"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfA qu\u00e9 edad ya no se puede obtener un pr\u00e9stamo? | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"\u00bfTienes m\u00e1s de 70 a\u00f1os o m\u00e1s y necesitas un pr\u00e9stamo? 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