{"id":7265,"date":"2025-10-11T16:40:31","date_gmt":"2025-10-11T14:40:31","guid":{"rendered":"https:\/\/www.avafin.es\/?p=7265"},"modified":"2025-11-03T17:40:36","modified_gmt":"2025-11-03T15:40:36","slug":"prestem-tous","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/bloc\/prestem-tous","title":{"rendered":"Qu\u00e8 s\u00f3n els pr\u00e9stecs tous i en qu\u00e8 es diferencien d&#039;un cr\u00e8dit r\u00e0pid"},"content":{"rendered":"<p>Els <strong>pr\u00e9stecs tous<\/strong> s\u00f3n una forma particular de finan\u00e7ament que sol estar associada al suport estatal o institucional a certs sectors estrat\u00e8gics, com ara petites i mitjanes empreses, emprenedors o determinats col\u00b7lectius socials.<\/p>\n\n\n\n<p>Tot i que moltes persones els confonen amb cr\u00e8dits comuns, la veritat \u00e9s que tenen <strong>condicions especials<\/strong> que els fan \u00fanics: interessos redu\u00efts, terminis m\u00e9s amplis i, de vegades, fins i tot per\u00edodes de car\u00e8ncia. Per\u00f2 tamb\u00e9 en tenen <strong>restriccions importants<\/strong>: no estan disponibles per a tothom, la seva concessi\u00f3 no \u00e9s immediata i moltes vegades requereixen complir una finalitat espec\u00edfica.<\/p>\n\n\n\n<p>Per aix\u00f2, abans de sol\u00b7licitar-los, \u00e9s important entendre b\u00e9 qu\u00e8 s\u00f3n, com funcionen i quines alternatives hi ha si necessites <strong>finan\u00e7ament urgent<\/strong>.<\/p>\n\n\n\n<p>En aquest article us expliquem tot el que necessiteu saber sobre els pr\u00e9stecs tous: qu\u00e8 s\u00f3n, a qui van dirigits, quines caracter\u00edstiques tenen i en qu\u00e8 es diferencien d&#039;altres solucions m\u00e9s r\u00e0pides i accessibles, com els<a href=\"https:\/\/www.avafin.es\/ca\/credits\/rapids-amb-asnef\/\"> cr\u00e8dits r\u00e0pids amb ASNEF<\/a> o els<a href=\"https:\/\/www.avafin.es\/ca\/prestec-de-50-euros\/\"> pr\u00e9stecs des de 50 euros<\/a> que pots sol\u00b7licitar avui mateix amb Avafin.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 \u00e9s un pr\u00e9stec tou i quin \u00e9s el vostre objectiu?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Qu\u00e8 s&#039;ent\u00e9n per pr\u00e9stec tou?<\/strong><\/h3>\n\n\n\n<p>Un <strong>pr\u00e9stec tou<\/strong>, tamb\u00e9 conegut com <strong>cr\u00e8dit tou o cr\u00e8dit concessional<\/strong>, \u00e9s un tipus de finan\u00e7ament que s&#039;ofereix amb <strong>condicions m\u00e9s favorables que les del mercat tradicional<\/strong>. El seu objectiu principal no \u00e9s generar rendibilitat per a qui l&#039;atorga, sin\u00f3 <strong>fomentar el desenvolupament econ\u00f2mic o social de certs sectors<\/strong>.<\/p>\n\n\n\n<p>En altres paraules, s\u00f3n instruments dajuda per impulsar projectes o donar suport a col\u00b7lectius que <strong>no podrien finan\u00e7ar-se f\u00e0cilment<\/strong> pels canals bancaris habituals.<\/p>\n\n\n\n<p>Aquest tipus de finan\u00e7ament \u00e9s habitual en programes p\u00fablics, fons europeus, ag\u00e8ncies de desenvolupament o bancs p\u00fablics. Tamb\u00e9 es pot trobar en organismes multilaterals que promouen el creixement en pa\u00efsos en vies de desenvolupament.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Caracter\u00edstiques clau: interessos i terminis<\/strong><\/h3>\n\n\n\n<p>El que caracteritza els pr\u00e9stecs tous \u00e9s que el <strong>tipus d&#039;inter\u00e8s sol ser molt baix<\/strong>, i fins i tot en alguns casos pot ser del <strong>0 %<\/strong>. A m\u00e9s, els <strong>terminis de devoluci\u00f3<\/strong> s\u00f3n m\u00e9s llargs que en un pr\u00e9stec convencional i, en moltes ocasions, es permet un <strong>per\u00edode de car\u00e8ncia<\/strong>, \u00e9s a dir, un temps durant el qual no has de tornar els diners ni pagar interessos.<\/p>\n\n\n\n<p>Aquestes condicions permeten que els beneficiaris <strong>puguin enfocar-se a desenvolupar el seu projecte o activitat econ\u00f2mica<\/strong> abans de comen\u00e7ar a pagar el pr\u00e9stec.<\/p>\n\n\n\n<p>Algunes caracter\u00edstiques comunes dels cr\u00e8dits tous:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Interessos redu\u00efts o nuls.<br><\/li>\n\n\n\n<li>Terminis d&#039;amortitzaci\u00f3 amplis (fins a 10 o 15 anys).<br><\/li>\n\n\n\n<li>Mancances inicials de fins a 2 anys.<br><\/li>\n\n\n\n<li>Destinaci\u00f3 dels diners condicionats a un projecte concret.<br><\/li>\n\n\n\n<li>Concessi\u00f3 subjecta a convocat\u00f2ria p\u00fablica o requisits espec\u00edfics.<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qui atorga i qui accedeix als pr\u00e9stecs tous?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pr\u00e9stecs tous per a pimes i emprenedors<\/strong><\/h3>\n\n\n\n<p>Una de les aplicacions m\u00e9s comunes dels pr\u00e9stecs tous \u00e9s el <strong>suport a petites i mitjanes empreses (pimes)<\/strong> ia persones emprenedores. Aquests pr\u00e9stecs permeten finan\u00e7ar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Inversi\u00f3 inicial en negocis.<br><\/li>\n\n\n\n<li>Digitalitzaci\u00f3 o innovaci\u00f3 tecnol\u00f2gica.<br><\/li>\n\n\n\n<li>Contractaci\u00f3 de personal.<br><\/li>\n\n\n\n<li>Expansi\u00f3 internacional.<br><\/li>\n\n\n\n<li>Transici\u00f3 ecol\u00f2gica o energ\u00e8tica.<br><\/li>\n<\/ul>\n\n\n\n<p>Solen estar gestionats per entitats p\u00fabliques o semip\u00fabliques, com ara l&#039;Institut de Cr\u00e8dit Oficial (ICO), ENISA, o programes de la Uni\u00f3 Europea. Tamb\u00e9 existeixen <strong>programes regionals o auton\u00f2mics<\/strong> que ofereixen aquest tipus de finan\u00e7ament en convocat\u00f2ries espec\u00edfiques.<\/p>\n\n\n\n<p>Els <strong>pr\u00e9stecs tous per a pimes<\/strong> estan orientats a facilitar l&#039;acc\u00e9s al cr\u00e8dit a projectes que, encara que viables, <strong>no poden complir amb els requisits tradicionals de la banca<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Exemples comuns de cr\u00e8dits concessionals<\/strong><\/h3>\n\n\n\n<p>Alguns exemples reals de pr\u00e9stecs tous inclouen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cr\u00e8dits del <strong>ICO<\/strong> per a aut\u00f2noms i pimes, amb tipus dinter\u00e8s redu\u00efts.<br><\/li>\n\n\n\n<li>Finan\u00e7ament de <strong>ENISA<\/strong>, amb pr\u00e9stecs participatius a nous emprenedors.<br><\/li>\n\n\n\n<li>L\u00ednies dajuda a lefici\u00e8ncia energ\u00e8tica en habitatges o empreses.<br><\/li>\n\n\n\n<li>Fons europeus Next Generation EU canalitzats mitjan\u00e7ant pr\u00e9stecs tous.<br><\/li>\n\n\n\n<li>Programes d&#039;emprenedoria femenina o rural.<br><\/li>\n<\/ul>\n\n\n\n<p>Tamb\u00e9 hi ha <strong>pr\u00e9stecs tous internacionals<\/strong>, com els concedits pel Banc Mundial, el BID o l&#039;Ag\u00e8ncia Espanyola de Cooperaci\u00f3 Internacional al Desenvolupament (AECID) per a projectes a pa\u00efsos de renda mitjana i baixa.<\/p>\n\n\n\n<p>Aquests <strong>pr\u00e9stecs tous exemples<\/strong> mostren com aquesta modalitat est\u00e0 pensada per impulsar el desenvolupament, no nom\u00e9s com una eina de finan\u00e7ament comercial.<\/p>\n\n\n\n<p>El terme <strong>deute tou<\/strong> s&#039;utilitza per descriure <strong>un tipus de finan\u00e7ament que presenta condicions notablement m\u00e9s favorables<\/strong> que les del cr\u00e8dit comercial o financer tradicional. Es tracta, en ess\u00e8ncia, de deutes contrets a trav\u00e9s de <strong>pr\u00e9stecs tous<\/strong>, que estan dissenyats no amb fins de rendibilitat, sin\u00f3 amb un prop\u00f2sit <strong>econ\u00f2mic, social o estrat\u00e8gic<\/strong>.<\/p>\n\n\n\n<p>A difer\u00e8ncia del que es coneix com <strong>deute dur<\/strong> o deute de mercat -el que s&#039;obt\u00e9 en condicions de mercat amb tipus d&#039;inter\u00e8s alts, terminis curts i sense flexibilitat- el <strong>deute tou implica una c\u00e0rrega financera molt menor per al prestatari<\/strong>. Aix\u00f2 es tradueix en interessos redu\u00efts o nuls, terminis d&#039;amortitzaci\u00f3 m\u00e9s llargs i sovint per\u00edodes de car\u00e8ncia que permeten posposar l&#039;inici del reemborsament.<\/p>\n\n\n\n<p>Una de les principals caracter\u00edstiques del deute tou \u00e9s que <strong>sol anar acompanyada de condicions no financeres<\/strong>, \u00e9s a dir, cl\u00e0usules relacionades amb l\u00fas dels diners, el compliment de certs objectius o el seguiment dindicadors dimpacte social, econ\u00f2mic o ambiental.<\/p>\n\n\n\n<p>Des d&#039;una perspectiva macroecon\u00f2mica, el deute tou <strong>juga un paper fonamental en la pol\u00edtica de desenvolupament<\/strong>, tant a nivell nacional com internacional. Governs, organismes multilaterals i ag\u00e8ncies de cooperaci\u00f3 la utilitzen per fomentar la inversi\u00f3 en sectors clau com l&#039;educaci\u00f3, la salut, l&#039;emprenedoria, la innovaci\u00f3 tecnol\u00f2gica o la sostenibilitat ambiental.<\/p>\n\n\n\n<p>Per exemple, en el context de la cooperaci\u00f3 internacional, pa\u00efsos com Espanya, a trav\u00e9s de l&#039;AECID, atorguen <strong>cr\u00e8dits tous a pa\u00efsos en desenvolupament<\/strong> per donar suport a infraestructures, reformes estructurals o projectes d&#039;alt impacte social. Aquests cr\u00e8dits s&#039;estructuren perqu\u00e8 siguin sostenibles en el temps i no generin sobreendeutament, cosa que els converteix en una eina de <strong>finan\u00e7ament responsable<\/strong>.<\/p>\n\n\n\n<p>A nivell intern, els programes de pr\u00e9stecs tous s&#039;utilitzen per <strong>estimular l&#039;economia<\/strong> en contextos de crisi o recessi\u00f3. Durant per\u00edodes d&#039;incertesa, com ara recessions econ\u00f2miques o pand\u00e8mies, els governs poden rec\u00f3rrer al deute tou per canalitzar recursos cap a sectors productius, facilitar l&#039;acc\u00e9s a capital a aut\u00f2noms o pimes, i sostenir l&#039;activitat econ\u00f2mica sense rec\u00f3rrer a mesures d&#039;austeritat.<\/p>\n\n\n\n<p>Tamb\u00e9 \u00e9s freq\u00fcent veure el terme en informes financers i econ\u00f2mics quan es parla de <strong>pr\u00e9stecs institucionals entre pa\u00efsos o entre entitats p\u00fabliques<\/strong>, diferenciant clarament entre condicions de mercat i condicions concessionals.<\/p>\n\n\n\n<p>En resum, el deute tou \u00e9s <strong>un mecanisme de finan\u00e7ament pensat per impulsar el desenvolupament<\/strong>, amb una l\u00f2gica diferent de la del benefici financer tradicional. Es basa a facilitar l&#039;acc\u00e9s al cr\u00e8dit a trav\u00e9s de condicions accessibles i sostenibles, especialment per a aquells actors econ\u00f2mics que altrament quedarien exclosos del sistema financer convencional.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pr\u00e9stec tou vs. pr\u00e9stec r\u00e0pid: la clau \u00e9s la urg\u00e8ncia<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>El finan\u00e7ament de lEstat vs. la soluci\u00f3 individual r\u00e0pida<\/strong><\/h3>\n\n\n\n<p>Tot i que els pr\u00e9stecs tous tenen condicions atractives, <strong>no s\u00f3n la soluci\u00f3 ideal si necessites diners urgents<\/strong>. La tramitaci\u00f3 pot ser lenta, requereix justificar la destinaci\u00f3 dels diners i moltes vegades est\u00e0 subjecta a convocat\u00f2ries, pressupostos limitats o requisits t\u00e8cnics complexos.<\/p>\n\n\n\n<p>Per aix\u00f2, si necessites cobrir una despesa imprevista, fer front a una urg\u00e8ncia m\u00e8dica, una avaria o qualsevol contratemps personal, un pr\u00e9stec tou <strong>no ser\u00e0 l&#039;opci\u00f3 m\u00e9s r\u00e0pida ni flexible<\/strong>.<\/p>\n\n\n\n<p>En aquests casos, el millor \u00e9s optar per <strong>finan\u00e7ament immediat<\/strong>, com els productes que ofereix Avafin, on pots sol\u00b7licitar des de<a href=\"https:\/\/www.avafin.es\/ca\/prestec-de-50-euros\/\"> 50 euros<\/a> sense avals, sense paperassa i sense haver d&#039;explicar per qu\u00e8 necessites els diners.<\/p>\n\n\n\n<p>Els pr\u00e9stecs r\u00e0pids s&#039;aproven en minuts i es basen en la capacitat actual de pagament, no en llargs formularis ni projectes a justificar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Avafin: r\u00e0pida avaluaci\u00f3 de la teva capacitat, no de la teva finalitat<\/strong><\/h3>\n\n\n\n<p>A Avafin sabem que cada persona t\u00e9 necessitats \u00faniques i que <strong>no sempre es pot esperar setmanes per una resposta<\/strong>. Per aix\u00f2, la nostra avaluaci\u00f3 se centra en:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Els teus ingressos actuals.<br><\/li>\n\n\n\n<li>El teu comportament financer recent.<br><\/li>\n\n\n\n<li>La teva capacitat real per tornar el pr\u00e9stec.<br><\/li>\n\n\n\n<li>La teva necessitat concreta, sense haver de justificar cap projecte.<br><\/li>\n<\/ul>\n\n\n\n<p>No demanem que estiguis inscrit en un programa p\u00fablic ni que compleixis amb condicions administratives complexes. Tampoc t&#039;exigim que destinis els diners a alguna cosa espec\u00edfica. Tu decideixes com utilitzar-lo.<\/p>\n\n\n\n<p>A m\u00e9s, si ets a ASNEF o en alguna llista de morositat, tamb\u00e9 pots accedir a solucions adaptades com els nostres<a href=\"https:\/\/www.avafin.es\/ca\/credits\/rapids-amb-asnef\/\"> cr\u00e8dits r\u00e0pids amb ASNEF<\/a>, pensats per resoldre urg\u00e8ncies sense llargs processos dan\u00e0lisi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Preguntes freq\u00fcents sobre pr\u00e9stecs tous<\/strong><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1762183892889\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 \u00e9s un pr\u00e9stec tou?<\/strong><\/strong> <p class=\"schema-faq-answer\">\u00c9s un tipus de pr\u00e9stec amb condicions especials com interessos baixos, terminis llargs o car\u00e8ncia l&#039;objectiu dels quals \u00e9s fomentar activitats econ\u00f2miques o socials, generalment promogut per entitats p\u00fabliques.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1762183908607\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 s&#039;ent\u00e9n per pr\u00e9stec tou?<\/strong><\/strong> <p class=\"schema-faq-answer\">S&#039;ent\u00e9n com un cr\u00e8dit que no cerca rendibilitat per a qui el concedeix, sin\u00f3 que pret\u00e9n impulsar un projecte o beneficiar un col\u00b7lectiu determinat. Per aix\u00f2 s&#039;atorga amb condicions m\u00e9s favorables que les del mercat financer tradicional.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1762183921915\"><strong class=\"schema-faq-question\"><strong>Quins s\u00f3n els 4 tipus de cr\u00e8dits?<\/strong><\/strong> <p class=\"schema-faq-answer\">Els principals tipus de cr\u00e8dits s\u00f3n:<br\/>1. <strong>Cr\u00e8dit personal<\/strong>: per finan\u00e7ar despeses no espec\u00edfiques.<br\/>2. <strong>Cr\u00e8dit hipotecari<\/strong>: per a la compra d&#039;habitatge.<br\/>3. <strong>Cr\u00e8dit comercial o empresarial<\/strong>: destinat a negocis.<br\/>4. <strong>Cr\u00e8dit tou o concessional<\/strong>: amb condicions favorables i finalitat espec\u00edfica.<\/p> <\/div> <\/div>\n\n\n\n<p>Els pr\u00e9stecs tous s\u00f3n una eina \u00fatil per a emprenedors, pimes i projectes amb impacte social o econ\u00f2mic, ja que ofereixen condicions favorables dif\u00edcils de trobar al sistema bancari tradicional. Tot i aix\u00f2, el seu acc\u00e9s est\u00e0 restringit a determinats col\u00b7lectius, la seva tramitaci\u00f3 pot ser complexa i <strong>no s\u00f3n adequats per a necessitats immediates<\/strong>.<\/p>\n\n\n\n<p>Si necessiteu diners r\u00e0pids, sense justificar l&#039;\u00fas del pr\u00e9stec i sense entrar en convocat\u00f2ries p\u00fabliques, podeu optar per solucions com els <strong>pr\u00e9stecs personals d&#039;Avafin<\/strong>, on en minuts pots obtenir finan\u00e7ament adaptat a la teva situaci\u00f3 actual, sense avals i sense burocr\u00e0cia.<\/p>\n\n\n\n<p>Cada mena de finan\u00e7ament t\u00e9 el seu moment. La clau \u00e9s saber quan optar per un <strong>pr\u00e9stec tou<\/strong> per impulsar un projecte, i quan necessites un <strong>cr\u00e8dit r\u00e0pid<\/strong> per resoldre avui all\u00f2 que no pot esperar a dem\u00e0.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Demana Ara el teu 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\">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>Els pr\u00e9stecs tous s\u00f3n una forma particular de finan\u00e7ament que sol estar associada al suport estatal o institucional a certs sectors estrat\u00e8gics, com ara petites i mitjanes empreses, emprenedors o determinats col\u00b7lectius socials. Tot i que moltes persones els confonen amb cr\u00e8dits comuns, la veritat \u00e9s que tenen condicions especials que els fan \u00fanics: interessos redu\u00efts, terminis m\u00e9s [\u2026]<\/p>","protected":false},"author":32,"featured_media":7266,"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-7265","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>Pr\u00e9stamos blandos | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"\u00bfHas o\u00eddo hablar de los pr\u00e9stamos blandos? Descubre qu\u00e9 son, qui\u00e9nes los otorga, qu\u00e9 condiciones tienen y por qu\u00e9 no siempre son la soluci\u00f3n m\u00e1s r\u00e1pida.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.avafin.es\/ca\/bloc\/prestem-tous\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00e9stamos blandos | AvaFin Espa\u00f1a\" \/>\n<meta property=\"og:description\" content=\"\u00bfHas o\u00eddo hablar de los pr\u00e9stamos blandos? 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