{"id":7466,"date":"2025-11-24T14:27:13","date_gmt":"2025-11-24T12:27:13","guid":{"rendered":"https:\/\/www.avafin.es\/?p=7466"},"modified":"2026-03-06T13:55:04","modified_gmt":"2026-03-06T11:55:04","slug":"que-passa-si-no-tinc-diners-per-pagar-hisenda","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/bloc\/que-passa-si-no-tinc-diners-per-pagar-hisenda","title":{"rendered":"Qu\u00e8 passa si no tinc diners per pagar a Hisenda? Actua abans que el problema creixi\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Arribat el moment de fer la declaraci\u00f3 de la renda o abonar algun impost pendent, molts contribuents descobreixen una realitat dif\u00edcil: no tenen diners per pagar el que deuen a Hisenda. Ja sigui per un c\u00e0lcul mal fet, una baixada d&#039;ingressos inesperada o simplement per manca de liquiditat, aquesta situaci\u00f3 \u00e9s m\u00e9s comuna del que sembla.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per\u00f2 qu\u00e8 passa si no pots pagar a Hisenda en termini? Hi ha conseq\u00fc\u00e8ncies immediates? Es pot arribar a un acord per fraccionar el deute? \u00c9s bona idea demanar un pr\u00e9stec per afrontar-la? En aquesta guia t&#039;expliquem pas a pas qu\u00e8 fer si no tens diners per complir les teves obligacions fiscals i com evitar que el problema creixi i es converteixi en un embargament.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L&#039;escalada de conseq\u00fc\u00e8ncies d&#039;Hisenda\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quan no pagues a Hisenda en el termini estipulat, el proc\u00e9s no s&#039;acaba. El sistema va posant rec\u00e0rrecs i generant situacions complicades que empitjoraran entre m\u00e9s tardes a regularitzar la situaci\u00f3. \u00c9s fonamental entendre com evoluciona el deute si no s&#039;actua a temps.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Primer moment: rec\u00e0rrec del 5%<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si oblides pagar o simplement no ho pots fer i transcorren els primers dies despr\u00e9s del venciment, Hisenda aplica un <strong>rec\u00e0rrec del 5%<\/strong> sobre limport pendent. Aquest rec\u00e0rrec s&#039;aplica si pagues el deute de manera volunt\u00e0ria dins dels tres mesos seg\u00fcents al final del termini. No es generen interessos de demora, per\u00f2 l?import a pagar ja \u00e9s m\u00e9s alt.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Segon moment: rec\u00e0rrecs del 10%, 15% o 20% + interessos de demora<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si passen m\u00e9s de tres mesos sense pagar, els rec\u00e0rrecs augmenten de manera progressiva:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rec\u00e0rrec del 10%<\/strong> si es paga entre els 3 i 6 mesos des de la fi del termini.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rec\u00e0rrec del 15%<\/strong> si es paga entre els 6 i 12 mesos.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rec\u00e0rrec del 20%<\/strong> si han passat m\u00e9s de 12 mesos.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, des del moment que s&#039;inicia el procediment executiu, Hisenda pot exigir <strong>interessos de demora<\/strong>, que segueixen augmentant amb el temps. Aix\u00f2 vol dir que com m\u00e9s temps passi, m\u00e9s diners haur\u00e0s de pagar, encara que l&#039;import original no canvi\u00ef.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>La fase de constrenyiment: l&#039;amena\u00e7a de l&#039;embargament<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si no pagues ni sol\u00b7licites un ajornament, Hisenda inicia el que es coneix com el <strong>procediment de constrenyiment<\/strong>. Aix\u00f2 implica l&#039;\u00fas de mecanismes de cobrament for\u00e7\u00f3s com el <strong>embargament de comptes bancaris<\/strong>, <strong>n\u00f2mina<\/strong>, <strong>devolucions de la renda<\/strong> o fins i tot b\u00e9ns com a vehicles o immobles.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El constrenyiment s&#039;inicia amb una <strong>notificaci\u00f3 oficial<\/strong> que inclou un rec\u00e0rrec del 20% sobre el deute original i avisa que es prendran mesures executives. En aquesta fase, Hisenda no necessita autoritzaci\u00f3 judicial per embargar: ho pot fer de manera directa i autom\u00e0tica, i el proc\u00e9s \u00e9s molt dif\u00edcil d&#039;aturar un cop iniciat.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podeu llegir m\u00e9s sobre aquest procediment aqu\u00ed: <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-evitar-un-embargament\/\" target=\"_blank\" rel=\"noreferrer noopener\">com evitar un embargament<\/a>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Solucions preventives: ajornament i fraccionament\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Abans d&#039;arribar a aquesta fase cr\u00edtica, Hisenda permet al contribuent sol\u00b7licitar un <strong>ajornament o fraccionament del deute<\/strong>. Aquesta \u00e9s la soluci\u00f3 m\u00e9s comuna i efectiva quan no tens liquiditat immediata.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Qui pot sol\u00b7licitar un ajornament?<\/strong>\u00a0<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Qualsevol persona f\u00edsica o jur\u00eddica ho pot fer, sempre que es trobi dins de termini o abans que s&#039;inici\u00ef el proc\u00e9s de constrenyiment. No cal justificar la manca de liquiditat si el deute \u00e9s inferior a 30.000 euros. Per sobre d&#039;aquest import, s\u00ed que heu de presentar documentaci\u00f3 econ\u00f2mica.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Avantatges de l&#039;ajornament:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Evita rec\u00e0rrecs majors i embargaments\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Et permet pagar en quotes mensuals\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No afecta el teu historial financer\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pots triar entre diversos terminis de pagament\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Com sol\u00b7licitar-ho?<\/strong>\u00a0<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La sol\u00b7licitud es fa a trav\u00e9s de la seu electr\u00f2nica de l&#039;Ag\u00e8ncia Tribut\u00e0ria. Necessitar\u00e0s tenir certificat digital o Cl@veu PIN. \u00c9s important presentar la sol\u00b7licitud <strong>abans del venciment del termini voluntari de pagament<\/strong>, ja que, si no ho fas, entrar\u00e0s autom\u00e0ticament en el proc\u00e9s de constrenyiment.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Finan\u00e7ament extern: \u00e9s viable demanar un pr\u00e9stec per pagar impostos?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan no es pot accedir a un ajornament o l&#039;import \u00e9s massa elevat per assumir-lo a curt termini, una altra opci\u00f3 que molts contribuents valoren \u00e9s sol\u00b7licitar un pr\u00e9stec r\u00e0pid o personal per pagar a Hisenda.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>T\u00e9 sentit demanar un pr\u00e9stec?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed,<strong> si el pr\u00e9stec t\u00e9 millors condicions <\/strong>que els rec\u00e0rrecs i interessos d&#039;Hisenda. Per exemple, si necessites pagar un deute de 1.000 \u20ac i no el pots fraccionar, un pr\u00e9stec que puguis tornar amb un cost assumible pot ser preferible a un rec\u00e0rrec del 20%, interessos de demora i risc d&#039;embargament.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Consells si optes per aquesta via:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No sol\u00b7licitis m\u00e9s diners dels necessaris\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Verifica terminis i comissions\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Evita pr\u00e9stecs a llarg termini que es converteixin en deute cr\u00f2nic\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compara abans de decidir-te\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">No tenir diners per pagar a Hisenda pot semblar una situaci\u00f3 sense sortida, per\u00f2 hi ha solucions legals i pr\u00e0ctiques si actues a temps. L&#039;error m\u00e9s com\u00fa \u00e9s ignorar el problema, tot esperant que desaparegui. Com m\u00e9s aviat t&#039;enfrontis al deute, m\u00e9s opcions tindr\u00e0s: des de fraccionar-lo, fins a evitar rec\u00e0rrecs, interessos i embargaments. I si la urg\u00e8ncia \u00e9s total, rec\u00f3rrer a una soluci\u00f3 financera temporal pot evitar conseq\u00fc\u00e8ncies molt m\u00e9s costoses.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Actua abans que el deute creixi. Hisenda no oblida, per\u00f2 s\u00ed que et pot donar marge si prens la iniciativa.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9 \u00e9s recomanable llegir aquesta guia per entendre millor les <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/multes-dhisenda-per-no-declarar-ingressos\/\" target=\"_blank\" rel=\"noreferrer noopener\">multes d&#039;Hisenda per no declarar ingressos<\/a>, que pot estar relacionada amb la teva situaci\u00f3.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Avafin t&#039;oferim finan\u00e7ament immediat finan\u00e7ament immediat per a situacions d&#039;urg\u00e8ncia. .&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Demana el teu Pr\u00e9stec R\u00e0pid!<\/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>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Preguntes freq\u00fcents sobre l&#039;impagament a Hisenda<\/strong>\u00a0<\/h3>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1763986698310\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 passa si no pago a Hisenda en el termini?<\/strong><\/strong> <p class=\"schema-faq-answer\">Rebr\u00e0s un rec\u00e0rrec del 5% si pagues dins dels 3 mesos seg\u00fcents. Si no ho feu, els rec\u00e0rrecs pujaran al 10%, 15% o fins i tot 20%, a m\u00e9s d&#039;interessos. Si no regularitzes la situaci\u00f3, podries enfrontar-te a un embargament.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1763986711832\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 passa si no puc pagar la declaraci\u00f3 de la renda?<\/strong><\/strong> <p class=\"schema-faq-answer\">Podeu sol\u00b7licitar un ajornament del pagament directament en el moment de presentar la declaraci\u00f3. Si ja ho has presentat i no vas marcar aquesta opci\u00f3, encara pots sol\u00b7licitar-ho des de la seu electr\u00f2nica.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1763986726207\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 passa si no pago IRPF a la n\u00f2mina?<\/strong><\/strong> <p class=\"schema-faq-answer\">Si ets aut\u00f2nom o empresari i no fas els pagaments fraccionats, pots rebre sancions. Si sou empleats, la vostra empresa \u00e9s responsable de retenir i pagar el vostre IRPF. Si hi ha errors, Hisenda ho reclamar\u00e0.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1763986739747\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 passa si no pago el primer termini de la renda?<\/strong><\/strong> <p class=\"schema-faq-answer\">Si t&#039;has acollit al pagament en dos terminis i no pagues el primer, el segon tampoc no es considera v\u00e0lid i s&#039;activa el proc\u00e9s de rec\u00e0rrec. Has de contactar amb Hisenda com m\u00e9s aviat millor per regularitzar la situaci\u00f3.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1763986757622\"><strong class=\"schema-faq-question\"><strong>Com arribar a un acord amb Hisenda per pagar un deute<\/strong><\/strong> <p class=\"schema-faq-answer\">Mitjan\u00e7ant un ajornament, fraccionament o presentant un recurs si consideres que el deute \u00e9s incorrecte. L&#039;important \u00e9s actuar abans que s&#039;inici\u00ef el procediment de constrenyiment.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1763986766938\"><strong class=\"schema-faq-question\"><strong>Com pagar a Hisenda si no tinc els diners complets?<\/strong><\/strong> <p class=\"schema-faq-answer\">Sol\u00b7licita el fraccionament, intenta negociar un termini viable o, si cal, recorre a finan\u00e7ament extern puntual. El m\u00e9s important \u00e9s no deixar passar el temps.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Obtingues el teu Pr\u00e9stec R\u00e0pid!<\/strong><\/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>Arribat el moment de fer la declaraci\u00f3 de la renda o abonar algun impost pendent, molts contribuents descobreixen una realitat dif\u00edcil: no tenen diners per pagar el que deuen a Hisenda. Ja sigui per un c\u00e0lcul mal fet, una baixada d&#039;ingressos inesperada o simplement per manca de liquiditat, aquesta situaci\u00f3 \u00e9s m\u00e9s comuna de [\u2026]<\/p>","protected":false},"author":23,"featured_media":7467,"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":[26,24,23],"tags":[],"class_list":["post-7466","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ayudas","category-deudas","category-educacion-financiera"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfQu\u00e9 pasa si no tengo dinero para pagar a Hacienda? 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Lo importante es no dejar pasar el tiempo.","inLanguage":"ca"},"inLanguage":"ca"}]}},"jetpack_publicize_connections":[],"featured_media_link":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/11\/que-pasa-si-no-tengo-dinero-para-pagar-hacienda--768x512.jpg","category":{"color":"#010440","link":"https:\/\/www.avafin.es\/ca\/bloc\/ajudes","text":"Ayudas"},"_links":{"self":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/7466","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\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/comments?post=7466"}],"version-history":[{"count":0,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/7466\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media\/7467"}],"wp:attachment":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media?parent=7466"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/categories?post=7466"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/tags?post=7466"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}