{"id":7263,"date":"2025-11-03T13:16:06","date_gmt":"2025-11-03T11:16:06","guid":{"rendered":"https:\/\/www.avafin.es\/?p=7263"},"modified":"2026-07-23T10:42:42","modified_gmt":"2026-07-23T08:42:42","slug":"ampliar-prestec-personal","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/ampliar-prestamo-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<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\/ampliar-prestamo-personal\/#%C2%BFQue_es_ampliar_un_prestamo\" >Qu\u00e8 \u00e9s ampliar 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-2\" href=\"https:\/\/www.avafin.es\/ca\/blog\/ampliar-prestamo-personal\/#Opcion_A_ampliar_el_prestamo_existente_Novacion\" >Opci\u00f3 A: ampliar el pr\u00e9stec existent (Novaci\u00f3)<\/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\/ampliar-prestamo-personal\/#Opcion_B_solicitar_un_segundo_prestamo_personal\" >Opci\u00f3 B: sol\u00b7licitar un segon pr\u00e9stec personal<\/a><\/li><\/ul><\/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\/ampliar-prestamo-personal\/#Analisis_de_Solvencia_%C2%BFque_opcion_te_conviene_mas\" >An\u00e0lisi de Solv\u00e8ncia: quina opci\u00f3 et conv\u00e9 m\u00e9s?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/ampliar-prestamo-personal\/#Preguntas_frecuentes_sobre_ampliar_prestamo_personal\" >Preguntes freq\u00fcents sobre ampliar pr\u00e9stec personal<\/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\/ampliar-prestamo-personal\/#%C2%BFNecesitas_un_Prestamo_Personal\" >Necessites un Pr\u00e9stec Personal?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_ampliar_un_prestamo\"><\/span><strong>Qu\u00e8 \u00e9s ampliar un pr\u00e9stec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"Opcion_A_ampliar_el_prestamo_existente_Novacion\"><\/span>Opci\u00f3 A: ampliar el pr\u00e9stec existent (Novaci\u00f3)<span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"Opcion_B_solicitar_un_segundo_prestamo_personal\"><\/span>Opci\u00f3 B: sol\u00b7licitar un segon pr\u00e9stec personal<span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"Analisis_de_Solvencia_%C2%BFque_opcion_te_conviene_mas\"><\/span><strong>An\u00e0lisi de Solv\u00e8ncia: quina opci\u00f3 et conv\u00e9 m\u00e9s?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes_sobre_ampliar_prestamo_personal\"><\/span><strong>Preguntes freq\u00fcents sobre ampliar pr\u00e9stec personal<\/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-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\"><span class=\"ez-toc-section\" id=\"%C2%BFNecesitas_un_Prestamo_Personal\"><\/span>Necessites un Pr\u00e9stec Personal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Obtingues-ho avui amb AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Cuando contratamos un pr\u00e9stamo personal, solemos calcular el importe que necesitamos en ese momento. Sin embargo, las circunstancias cambian: gastos imprevistos, nuevas oportunidades o incluso la necesidad de refinanciar deudas pueden hacerte preguntarte si se puede ampliar un pr\u00e9stamo personal. La respuesta es s\u00ed, pero existen diferentes formas de hacerlo, cada una con implicaciones espec\u00edficas [&hellip;]<\/p>\n","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 v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\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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