{"id":7263,"date":"2025-11-03T13:16:06","date_gmt":"2025-11-03T11:16:06","guid":{"rendered":"https:\/\/www.avafin.es\/?p=7263"},"modified":"2026-04-23T11:22:46","modified_gmt":"2026-04-23T09:22:46","slug":"ampliar-prestec-personal","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/bloc\/ampliar-prestec-personal","title":{"rendered":"Es pot ampliar un pr\u00e9stec personal? Opcions, avantatges i com decidir"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Quan contractem un pr\u00e9stec personal, acostumem a calcular l&#039;import que necessitem en aquest moment. No obstant aix\u00f2, les circumst\u00e0ncies canvien: despeses imprevistes, noves oportunitats o fins i tot la necessitat de refinan\u00e7ar deutes et poden fer preguntar <strong>si es pot ampliar un pr\u00e9stec personal<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La resposta \u00e9s <strong>s\u00ed<\/strong>, per\u00f2 hi ha diferents maneres de fer-ho, cadascuna amb implicacions espec\u00edfiques sobre interessos, terminis i la teva capacitat financera. En aquest article analitzem <strong>qu\u00e8 significa ampliar un pr\u00e9stec<\/strong>, quines s\u00f3n les <strong>dues principals alternatives<\/strong> (novaci\u00f3 o nou pr\u00e9stec) i com decidir quin et conv\u00e9 m\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, veurem casos reals com <strong>es pot ampliar un pr\u00e9stec personal BBVA, Santander, ING, Unicaja o Sabadell<\/strong>, i resoldrem els dubtes m\u00e9s freq\u00fcents.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 \u00e9s ampliar un pr\u00e9stec?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ampliar un pr\u00e9stec personal<\/strong> significa modificar les condicions del cr\u00e8dit actual per <strong>obtenir m\u00e9s diners o estendre el termini de devoluci\u00f3<\/strong>. \u00c9s a dir, si vas demanar 10.000 \u20ac i ara necessites 3.000 \u20ac m\u00e9s, podries sol\u00b7licitar una ampliaci\u00f3 per assolir 13.000 \u20ac.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta ampliaci\u00f3 pot implicar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un <strong>augment del capital prestat<\/strong>,<\/li>\n\n\n\n<li>Una <strong>reducci\u00f3 o extensi\u00f3 del termini<\/strong>,<\/li>\n\n\n\n<li>I, en conseq\u00fc\u00e8ncia, una <strong>revisi\u00f3 de les condicions d&#039;inter\u00e8s<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Els bancs solen oferir dues vies principals per fer-ho: la <strong>novaci\u00f3 del pr\u00e9stec existent<\/strong> o la <strong>sol\u00b7licitud d&#039;un nou pr\u00e9stec personal<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Opci\u00f3 A: ampliar el pr\u00e9stec existent (Novaci\u00f3)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>novaci\u00f3<\/strong> \u00e9s una operaci\u00f3 banc\u00e0ria que consisteix en <strong>modificar un contracte de pr\u00e9stec ja existent<\/strong>. En aquest cas, el client i l&#039;entitat signen un acord per actualitzar algunes condicions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Import<\/strong> (augmentar els diners prestats),<\/li>\n\n\n\n<li><strong>Termini de devoluci\u00f3<\/strong>,<\/li>\n\n\n\n<li><strong>Tipus d&#039;inter\u00e8s<\/strong>,<\/li>\n\n\n\n<li><strong>Garanties<\/strong> o avals.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Per exemple, si et preguntes <strong>\u201ces pot ampliar un pr\u00e9stec personal BBVA\u201d<\/strong>, l&#039;entitat sol permetre-ho mitjan\u00e7ant una novaci\u00f3, sempre que la teva <strong>nivell de solv\u00e8ncia<\/strong> segueixi sent adequat i no hi hagi impagaments previs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avantatges de la novaci\u00f3:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mantens el mateix pr\u00e9stec, sense necessitat d&#039;obrir-ne un de nou.<\/li>\n\n\n\n<li>Menys comissions i tr\u00e0mits.<\/li>\n\n\n\n<li>Pots ajustar quota o termini segons les necessitats.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Inconvenients:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&#039;aprovaci\u00f3 dep\u00e8n del banc i de la situaci\u00f3 financera.<\/li>\n\n\n\n<li>Podeu implicar despeses de gesti\u00f3 o comissi\u00f3 per modificaci\u00f3.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple pr\u00e0ctic:<\/strong><br>&nbsp;Un client amb un pr\u00e9stec personal a <strong>AvaFin <\/strong>de 500\u20ac a 30 dies pot sol\u00b7licitar ampliar 1.500\u20ac m\u00e9s. La financera revisar\u00e0 el seu historial i, si ho aprova, actualitzar\u00e0 el contracte amb el nou import i les condicions revisades.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e9s informaci\u00f3 sobre com ajustar les teves quotes: <strong><a href=\"https:\/\/www.avafin.es\/ca\/bloc\/reduir-quota-o-termini-prestem-personal\/\" target=\"_blank\" rel=\"noreferrer noopener\">reduir quota o termini pr\u00e9stec personal<\/a><\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Opci\u00f3 B: sol\u00b7licitar un segon pr\u00e9stec personal<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si el banc no permet ampliar el pr\u00e9stec actual, una altra alternativa \u00e9s <strong>demanar un segon pr\u00e9stec<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00f2 vol dir <strong>mantenir el pr\u00e9stec original<\/strong> i <strong>contractar-ne un de nou<\/strong> per cobrir les teves necessitats addicionals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta opci\u00f3 \u00e9s habitual en entitats com <strong>ING, Unicaja o Sabadell<\/strong>, on, segons la pol\u00edtica interna, <strong>es pot tenir dos pr\u00e9stecs a un mateix banc<\/strong>, sempre que el client mantingui bona capacitat de pagament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avantatges del segon pr\u00e9stec:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Permet mantenir les condicions originals del primer.<\/li>\n\n\n\n<li>Possibilitat de negociar un tipus d&#039;inter\u00e8s nou.<\/li>\n\n\n\n<li>Flexibilitat per separar finalitats (un per a cotxe, un altre per a reforma, etc.).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Desavantatges:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Assumeixes dos deutes actius.<\/li>\n\n\n\n<li>Major risc de sobreendeutament.<\/li>\n\n\n\n<li>Impacte a la teva puntuaci\u00f3 credit\u00edcia.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Consell:<\/strong> Abans d&#039;optar per aquesta via, utilitza eines com el <strong>simulador pr\u00e9stecs WiZink<\/strong> per calcular les teves quotes totals i assegurar-te que la teva economia ho pot suportar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si decideixes combinar o refinan\u00e7ar els teus pr\u00e9stecs, pots explorar opcions a <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/refinancament-prestem\/\"><strong>refinan\u00e7ament de pr\u00e9stecs<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>An\u00e0lisi de Solv\u00e8ncia: quina opci\u00f3 et conv\u00e9 m\u00e9s?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Per decidir si et conv\u00e9 una <strong>novaci\u00f3<\/strong> o un <strong>segon pr\u00e9stec<\/strong>, el punt clau \u00e9s el teu <strong>solv\u00e8ncia econ\u00f2mica actual<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Els bancs analitzaran:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tu <strong>nivell d&#039;ingressos i estabilitat laboral<\/strong>,<\/li>\n\n\n\n<li>Tu <strong>historial creditici<\/strong> (sense impagaments),<\/li>\n\n\n\n<li>I tu <strong>capacitat d&#039;endeutament<\/strong> (deute total vs ingressos mensuals).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Opta per novaci\u00f3 si:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Els teus ingressos s\u00f3n estables.<\/li>\n\n\n\n<li>Nom\u00e9s necessites una ampliaci\u00f3 moderada.<\/li>\n\n\n\n<li>Prefereixes mantenir una sola quota mensual.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Opta per segon pr\u00e9stec si:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El teu banc no permet novaci\u00f3.<\/li>\n\n\n\n<li>Vols condicions diferents (termini o tipus).<\/li>\n\n\n\n<li>Busques mantenir productes separats.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si notes que les quotes es tornen pesades, pots valorar alternatives per <strong>reduir la teva quota o termini<\/strong> mitjan\u00e7ant una reestructuraci\u00f3 o reunificaci\u00f3. Descobreix com fer-ho aqu\u00ed: <strong><a href=\"https:\/\/www.avafin.es\/ca\/bloc\/reduir-quota-o-termini-prestem-personal\/\" target=\"_blank\" rel=\"noreferrer noopener\">reduir quota o termini pr\u00e9stec personal<\/a><\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Preguntes freq\u00fcents sobre ampliar pr\u00e9stec personal<\/strong><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1762168487555\"><strong class=\"schema-faq-question\"><strong>Com puc estendre el meu pr\u00e9stec personal?<\/strong><\/strong> <p class=\"schema-faq-answer\">Pots <strong>estendre el teu pr\u00e9stec personal<\/strong> mitjan\u00e7ant una <strong>novaci\u00f3<\/strong> amb el teu banc. Aquest proc\u00e9s ajusta el termini o el capital perqu\u00e8 les quotes siguin m\u00e9s c\u00f2modes. Si la teva entitat no ho permet, tamb\u00e9 pots <strong>refinan\u00e7ar<\/strong> amb una altra entitat o fins i tot <strong>traslladar el pr\u00e9stec<\/strong>.<br\/>Per exemple, si <strong>es pot passar un pr\u00e9stec personal d&#039;un banc a un altre<\/strong>, podries traslladar-ho a una entitat que t&#039;ofereixi millors condicions d&#039;inter\u00e8s o un termini m\u00e9s llarg.<br\/>Consulta totes les opcions disponibles a <strong><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/\" target=\"_blank\" rel=\"noreferrer noopener\">Pr\u00e9stecs personals<\/a><\/strong>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1762168500987\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 \u00e9s la novaci\u00f3 i la subrogaci\u00f3 de pr\u00e9stecs?<\/strong><\/strong> <p class=\"schema-faq-answer\">La <strong>novaci\u00f3<\/strong> \u00e9s la modificaci\u00f3 del contracte existent (com ja vam veure). En canvi, la <strong>subrogaci\u00f3<\/strong> implica <strong>canviar el pr\u00e9stec d&#039;una entitat a una altra<\/strong>, normalment per millorar les condicions o reduir interessos.<br\/>Exemple: Si <strong>es pot ampliar un pr\u00e9stec personal al Santander,<\/strong> per\u00f2 trobes millors condicions a <strong>BBVA<\/strong> o <strong>ING<\/strong>, podries <strong>subrogar-ho<\/strong> i beneficiar-te d&#039;un tipus m\u00e9s baix.<br\/>En tots dos casos, la clau \u00e9s comparar costos i condicions abans de signar.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Ampliar un pr\u00e9stec personal \u00e9s possible, per\u00f2 cal fer-ho amb planificaci\u00f3. Tant la <strong>novaci\u00f3<\/strong> com la <strong>sol\u00b7licitud d&#039;un segon pr\u00e9stec<\/strong> s\u00f3n opcions v\u00e0lides, depenent de les teves circumst\u00e0ncies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Abans de decidir, revisa la teva capacitat de pagament i compara ofertes. Entitats com <strong>BBVA, Santander, ING, Unicaja i Sabadell<\/strong> ofereixen solucions diferents segons el perfil del client.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Recordeu que l&#039;ampliaci\u00f3 no sempre \u00e9s l&#039;opci\u00f3 m\u00e9s econ\u00f2mica; de vegades, una <strong>refinan\u00e7ament de pr\u00e9stecs<\/strong> o un <strong>trasp\u00e0s important<\/strong> pot oferir millors condicions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per analitzar totes les alternatives i triar la millor opci\u00f3, visita el nostre article sobre <strong><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/personals\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stecs personals<\/a><\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tens m\u00e9s dubtes sobre ampliaci\u00f3, novaci\u00f3 o refinan\u00e7ament de pr\u00e9stecs? Consulta el nostre bloc i accedeix a recursos pensats per millorar la teva salut financera.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Necessites un Pr\u00e9stec Personal?<\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center 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>Quan contractem un pr\u00e9stec personal, acostumem a calcular l&#039;import que necessitem en aquest moment. No obstant aix\u00f2, les circumst\u00e0ncies canvien: despeses imprevistes, noves oportunitats o fins i tot la necessitat de refinan\u00e7ar deutes et poden fer preguntar-te si es pot ampliar un pr\u00e9stec personal. La resposta \u00e9s s\u00ed, per\u00f2 hi ha diferents maneres de fer-ho, cadascuna amb implicacions espec\u00edfiques [\u2026]<\/p>","protected":false},"author":32,"featured_media":7261,"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-7263","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>Se puede ampliar un pr\u00e9stamo personal | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"\u00bfSe puede ampliar un pr\u00e9stamo personal? 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