{"id":7544,"date":"2025-11-28T12:40:34","date_gmt":"2025-11-28T10:40:34","guid":{"rendered":"https:\/\/www.avafin.es\/?p=7544"},"modified":"2026-07-23T10:50:11","modified_gmt":"2026-07-23T08:50:11","slug":"prestem-per-a-locals-comercials","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/prestamos-para-locales-comerciales","title":{"rendered":"Pr\u00e9stecs per a locals comercials: opcions de finan\u00e7ament, requisits i consells pr\u00e0ctics"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Adquirir o reformar un local comercial \u00e9s un dels passos m\u00e9s importants per a aut\u00f2noms, emprenedors i petites empreses. Tot i aix\u00f2, aquest tipus d&#039;inversi\u00f3 requereix un finan\u00e7ament s\u00f2lid que s&#039;adapti a les necessitats i possibilitats del negoci. Els <strong>pr\u00e9stecs per a locals comercials<\/strong> s\u00f3n productes dissenyats espec\u00edficament per cobrir aquest tipus d&#039;operacions i permeten comprar, condicionar o reformar un immoble destinat a \u00fas comercial.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En aquest article trobar\u00e0s tot el que cal saber: els <strong>tipus de finan\u00e7ament per a locals comercials<\/strong>, els <strong>requisits bancaris m\u00e9s comuns<\/strong>, les <strong>opcions per reformar el teu local<\/strong>, i respostes a les preguntes m\u00e9s freq\u00fcents sobre hipoteques i documentaci\u00f3.<\/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\/prestamos-para-locales-comerciales\/#Tipos_de_financiacion_para_locales_comerciales\" >Tipus de finan\u00e7ament per a locals comercials<\/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\/prestamos-para-locales-comerciales\/#Opcion_1_hipoteca_comercial_o_hipotecas_PYME\" >Opci\u00f3 1: hipoteca comercial o hipoteques PIME<\/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\/prestamos-para-locales-comerciales\/#Opcion_2_lineas_ICO_Instituto_de_Credito_Oficial\" >Opci\u00f3 2: l\u00ednies ICO (Institut de Cr\u00e8dit Oficial)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamos-para-locales-comerciales\/#Opcion_3_prestamo_personal_o_credito_comercial_con_Avafin\" >Opci\u00f3 3: pr\u00e9stec personal o cr\u00e8dit comercial amb Avafin<\/a><\/li><\/ul><\/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\/prestamos-para-locales-comerciales\/#Requisitos_clave_la_documentacion_que_el_banco_exigira\" >Requisits clau: la documentaci\u00f3 que el banc exigir\u00e0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamos-para-locales-comerciales\/#Financiacion_de_la_reforma_el_gasto_adicional\" >Finan\u00e7ament de la reforma: la despesa addicional<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamos-para-locales-comerciales\/#Preguntas_frecuentes_sobre_financiacion_para_locales_comerciales\" >Preguntes freq\u00fcents sobre finan\u00e7ament per a locals comercials<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamos-para-locales-comerciales\/#%C2%BFNecesitas_Dinero_Rapido\" >Necessites Diners R\u00e0pids?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tipos_de_financiacion_para_locales_comerciales\"><\/span><strong>Tipus de finan\u00e7ament per a locals comercials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Abans de sol\u00b7licitar finan\u00e7ament, \u00e9s important con\u00e8ixer les opcions disponibles. Cada alternativa s&#039;ajusta a un perfil de negoci i situaci\u00f3 econ\u00f2mica diferent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Opcion_1_hipoteca_comercial_o_hipotecas_PYME\"><\/span><strong>Opci\u00f3 1: hipoteca comercial o hipoteques PIME<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>hipoteca comercial<\/strong> o <strong>hipoteca PIME<\/strong> \u00e9s la via tradicional per comprar un local comercial. Funciona de manera similar a una hipoteca per a habitatge, per\u00f2 amb condicions espec\u00edfiques per a empreses i aut\u00f2noms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Caracter\u00edstiques principals:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Finan\u00e7a entre el <strong>60 % i el 80 % del valor del local<\/strong>.<\/li>\n\n\n\n<li>Terminis de devoluci\u00f3 entre <strong>10 i 20 anys<\/strong>.<\/li>\n\n\n\n<li>Tipus dinter\u00e8s variables o fixos, depenent de lentitat.<\/li>\n\n\n\n<li>Necessitat de demostrar <strong>solv\u00e8ncia i viabilitat del negoci<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple pr\u00e0ctic:<\/strong><br>Si est\u00e0s buscant una <strong>hipoteca local comercial La Caixa<\/strong>, pots fer servir el <strong>simulador hipoteca local comercial La Caixa<\/strong> per estimar la quota mensual segons limport i els anys de finan\u00e7ament. El mateix pots fer amb el <strong>simulador hipoteca local comercial Santander<\/strong> o el <strong>simulador hipoteca local comercial ING<\/strong>, eines que ajuden a comparar condicions reals abans de signar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Algunes entitats populars:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CaixaBank<\/strong>: ofereix finan\u00e7ament PIME amb assessoria personalitzada.<\/li>\n\n\n\n<li><strong>Santander<\/strong>: destaca per la seva \u201c<strong>hipoteca local comercial Santander<\/strong>\u201d per a clients empresa.<\/li>\n\n\n\n<li><strong>ING<\/strong>: amb la seva \u201c<strong>hipoteca local comercial ING<\/strong>\u201d ofereix condicions competitives per a professionals amb ingressos estables.<\/li>\n\n\n\n<li><strong>Openbank<\/strong>: disposa de l&#039;opci\u00f3 \u201c<strong>Openbank hipoteca local comercial<\/strong>\u201d, 100% en l\u00ednia.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Consell: abans de decidir-te, compara condicions amb un <strong>simulador pr\u00e9stec local comercial<\/strong> per veure quin s&#039;ajusta millor al vostre pressupost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Opcion_2_lineas_ICO_Instituto_de_Credito_Oficial\"><\/span><strong>Opci\u00f3 2: l\u00ednies ICO (Institut de Cr\u00e8dit Oficial)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>l\u00ednies ICO<\/strong> s\u00f3n una alternativa molt popular per finan\u00e7ar la compra o adequaci\u00f3 de locals comercials. Estan abonades per l&#039;Estat i gestionades a trav\u00e9s de bancs, oferint condicions preferents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avantatges de les l\u00ednies ICO:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tipus dinter\u00e8s redu\u00efts.<\/li>\n\n\n\n<li>Finan\u00e7ament de fins <strong>12,5 milions d&#039;euros<\/strong> per client.<\/li>\n\n\n\n<li>Terminis amplis (d&#039;1 a 20 anys).<\/li>\n\n\n\n<li>Possibilitat d&#039;incloure <strong>despeses de reforma i equipament<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aquestes l\u00ednies s\u00f3n ideals per <strong>aut\u00f2noms i petites empreses<\/strong> que busquen estabilitat a llarg termini sense assumir tipus dinter\u00e8s massa alts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Opcion_3_prestamo_personal_o_credito_comercial_con_Avafin\"><\/span><strong>Opci\u00f3 3: pr\u00e9stec personal o cr\u00e8dit comercial amb Avafin<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si necessites liquiditat r\u00e0pida i flexible, ell <a href=\"https:\/\/www.avafin.es\/ca\/prestem-per-a-negocis\/\"><strong>pr\u00e9stec personal o cr\u00e8dit comercial amb Avafin<\/strong><\/a> \u00e9s una excel\u00b7lent opci\u00f3 per a aut\u00f2noms i petites empreses que busquen finan\u00e7ament sense complicacions. Aquesta alternativa destaca per la seva agilitat i condicions personalitzades, ideals per als que volen invertir en la compra o millora del local sense dependre de llargs processos bancaris.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avantatges dels pr\u00e9stecs Avafin:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Aprovaci\u00f3 r\u00e0pida<\/strong>, fins i tot amb petites garanties.<\/li>\n\n\n\n<li><strong>Finan\u00e7ament personalitzat<\/strong> segons la capacitat de pagament.<\/li>\n\n\n\n<li>Opci\u00f3 de <strong>pr\u00e9stecs amb garantia hipotec\u00e0ria r\u00e0pids<\/strong>, perfecta per als que necessiten liquiditat immediata o desitgen reformar el seu local.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, si ets treballador per compte propi, pots con\u00e8ixer les solucions de finan\u00e7ament dissenyades especialment per a tu a la secci\u00f3 de <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/per-a-autonoms\/\"><strong>pr\u00e9stecs per a aut\u00f2noms d&#039;Avafin<\/strong><\/a>, on trobar\u00e0s opcions adaptades als teus ingressos i necessitats empresarials.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Requisitos_clave_la_documentacion_que_el_banco_exigira\"><\/span><strong>Requisits clau: la documentaci\u00f3 que el banc exigir\u00e0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Per obtenir finan\u00e7ament, ja sigui una hipoteca comercial o un pr\u00e9stec, el banc o l&#039;entitat financera exigir\u00e0 certa documentaci\u00f3 que permeti avaluar la solv\u00e8ncia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Documentaci\u00f3 habitual:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>DNI o CIF<\/strong> de l&#039;empresa o aut\u00f2nom.<\/li>\n\n\n\n<li><strong>Declaracions d&#039;IVA i IRPF<\/strong> dels darrers exercicis.<\/li>\n\n\n\n<li><strong>Pla de negoci<\/strong> o mem\u00f2ria econ\u00f2mica (si \u00e9s una nova activitat).<\/li>\n\n\n\n<li><strong>\u00daltims rebuts de pr\u00e9stecs actius<\/strong> (si n&#039;hi ha).<\/li>\n\n\n\n<li><strong>Contracte d&#039;arrendament o escriptura del local<\/strong>, si ja es posseeix.<\/li>\n\n\n\n<li><strong>Pressupostos de reforma o equipament<\/strong>, si se sol\u00b7liciten fons per a millores.<\/li>\n\n\n\n<li><strong>Certificat d&#039;estar al corrent amb Hisenda i Seguretat Social.<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Consell professional: presentar una <strong>projecci\u00f3 d&#039;ingressos realista i detallada<\/strong> augmenta les possibilitats d&#039;aprovaci\u00f3. A m\u00e9s, comptar amb un <strong>aval o garantia hipotec\u00e0ria<\/strong> pot millorar les condicions dinter\u00e8s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Financiacion_de_la_reforma_el_gasto_adicional\"><\/span><strong>Finan\u00e7ament de la reforma: la despesa addicional<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Adquirir un local comercial no sempre acaba amb la compra. En molts casos, cal <strong>reformar o condicionar lespai<\/strong> per adaptar-lo a l&#039;activitat, i aquesta despesa pot ser considerable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Opcions per finan\u00e7ar la reforma:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ampliar el pr\u00e9stec hipotecari<\/strong>: algunes entitats permeten incloure el pressupost de reforma dins el cr\u00e8dit inicial.<\/li>\n\n\n\n<li><strong>Sol\u00b7licitar un cr\u00e8dit addicional<\/strong>: ideal per cobrir obres menors o millores espec\u00edfiques.<\/li>\n\n\n\n<li><strong>Buscar alternatives de finan\u00e7ament flexible<\/strong> amb entitats especialitzades, que ofereixen solucions adaptades per a aut\u00f2noms i petits negocis.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si est\u00e0s valorant diferents formes de finan\u00e7ar una reforma, al <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/prestem-amb-garantia-hipotecaria-rapids\/\"><strong>bloc d&#039;Avafin<\/strong><\/a> trobar\u00e0s informaci\u00f3 detallada sobre els <strong>pr\u00e9stecs amb garantia hipotec\u00e0ria<\/strong> i com et poden ajudar a aconseguir liquiditat per a projectes de millora o ampliaci\u00f3 del teu negoci.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple:<\/strong><br>Un local de 70.000\u20ac pot necessitar una inversi\u00f3 addicional de 15.000\u20ac per a obres el\u00e8ctriques, pintura o climatitzaci\u00f3. En aquest cas, una hipoteca comercial tradicional podria no cobrir aquestes despeses, per\u00f2 un <strong>cr\u00e8dit comercial flexible o un pr\u00e9stec personal adaptat a negocis<\/strong> pot ser la soluci\u00f3 ideal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes_sobre_financiacion_para_locales_comerciales\"><\/span><strong>Preguntes freq\u00fcents sobre finan\u00e7ament per a locals comercials<\/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-1764325052715\"><strong class=\"schema-faq-question\"><strong>Quan es paga per una hipoteca de 50.000 euros a 15 anys?<\/strong><\/strong> <p class=\"schema-faq-answer\">L&#039;import de la quota dep\u00e8n del tipus d&#039;inter\u00e8s i de les comissions aplicades. Per exemple, amb un inter\u00e8s del 3 %, la quota mensual aproximada seria de <strong>345 euros<\/strong> durant 15 anys.<br\/>Si el tipus \u00e9s fix, mantindr\u00e0s l&#039;estabilitat als teus pagaments; si \u00e9s variable (Eur\u00edbor + diferencial), la quota pot pujar o baixar segons l&#039;evoluci\u00f3 del mercat.<br\/>Per calcular-ho amb precisi\u00f3, pots fer servir un <strong>simulador hipoteca local comercial<\/strong>, disponible en bancs com <strong>La Caixa<\/strong>, <strong>ING<\/strong> o <strong>Santander<\/strong>, o provar el <strong>simulador pr\u00e9stec local comercial<\/strong> que ofereixen plataformes financeres especialitzades.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1764325069358\"><strong class=\"schema-faq-question\"><strong>Quina documentaci\u00f3 necessito per sol\u00b7licitar finan\u00e7ament per comprar i reformar un local comercial?<\/strong><\/strong> <p class=\"schema-faq-answer\">A m\u00e9s de la documentaci\u00f3 general que exigeix el banc (identificaci\u00f3 fiscal, declaracions i pla de negoci), es recomana presentar:<br\/><strong>\u2013<\/strong> <strong>Pressupostos detallats de la reforma<\/strong>.<br\/>\u2013 <strong>Llic\u00e8ncies d&#039;obra o permisos municipals<\/strong>, si la reforma ho requereix.<br\/>\u2013 <strong>Informe de taxaci\u00f3 del local<\/strong>, obligatori en el cas d&#039;hipoteques.<br\/>\u2013 <strong>Certificats energ\u00e8tics i t\u00e8cnics<\/strong>, si l&#039;activitat els demana.<br\/>Aquests documents aporten transpar\u00e8ncia i seguretat a lentitat financera, demostrant que el projecte \u00e9s s\u00f2lid i viable.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Aconseguir finan\u00e7ament per a un local comercial requereix avaluar les necessitats, comparar opcions i presentar una sol\u00b7licitud s\u00f2lida.<br>&nbsp;Si busques rapidesa, flexibilitat i una visi\u00f3 clara de les diferents alternatives disponibles al mercat, a <strong>Avafin<\/strong> trobar\u00e0s informaci\u00f3 \u00fatil i pr\u00e0ctica sobre com finan\u00e7ar un projecte comercial. Pots llegir m\u00e9s a l&#039;article sobre <a href=\"https:\/\/www.avafin.es\/ca\/prestem-per-a-negocis\/\"><strong>pr\u00e9stecs per a negocis<\/strong><\/a>, on s&#039;expliquen diferents tipus de finan\u00e7ament i consells per triar lopci\u00f3 m\u00e9s adequada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Abans de decidir-te, recorda:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fes servir un <strong>simulador hipoteca local comercial<\/strong> per calcular la teva capacitat de pagament.<\/li>\n\n\n\n<li>Compara productes de <strong>hipoteca local comercial La Caixa<\/strong>, <strong>Santander<\/strong>, <strong>ING<\/strong> u <strong>Openbank<\/strong>.<\/li>\n\n\n\n<li>Si necessites liquiditat extra per a reformes o equipament, consulta l&#039;article del bloc d&#039;Avafin sobre <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/prestem-amb-garantia-hipotecaria-rapids\/\"><strong>pr\u00e9stecs amb garantia hipotec\u00e0ria r\u00e0pids<\/strong><\/a>, on s&#039;expliquen els avantatges i els riscos d&#039;aquest tipus de finan\u00e7ament.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Amb una bona planificaci\u00f3 financera i la informaci\u00f3 adequada, convertir la teva idea de negoci en una realitat ser\u00e0 molt m\u00e9s senzill.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"%C2%BFNecesitas_Dinero_Rapido\"><\/span>Necessites Diners R\u00e0pids?<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 el teu pr\u00e9stec 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>Adquirir o reformar un local comercial es uno de los pasos m\u00e1s importantes para aut\u00f3nomos, emprendedores y peque\u00f1as empresas. Sin embargo, este tipo de inversi\u00f3n requiere una financiaci\u00f3n s\u00f3lida que se adapte a las necesidades y posibilidades del negocio. Los pr\u00e9stamos para locales comerciales son productos dise\u00f1ados espec\u00edficamente para cubrir este tipo de operaciones, permitiendo [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":7545,"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-7544","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>Pr\u00e9stamos para locales comerciales | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Descubre c\u00f3mo acceder a un abogado gratuito paso a paso. Requisitos, tr\u00e1mites y opciones si no cumples los criterios.\" \/>\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-per-a-locals-comercials\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00e9stamos para locales comerciales | AvaFin Espa\u00f1a\" \/>\n<meta property=\"og:description\" content=\"Descubre c\u00f3mo acceder a un abogado gratuito paso a paso. 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Su experiencia en investigaci\u00f3n de mercados en AvaFin, brinda gran valor al momento de generar informaci\u00f3n \u00fatil sobre aquellas personas que buscan tomar decisiones financieras adecuadas a su situaci\u00f3n.\",\"sameAs\":[\"http:\\\/\\\/www.avafin.es\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/alejandra-rangel-bethencourt-29633a167\\\/\"],\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/author\\\/alejandra\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/prestamos-para-locales-comerciales#faq-question-1764325052715\",\"position\":1,\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/prestamos-para-locales-comerciales#faq-question-1764325052715\",\"name\":\"\u00bfCu\u00e1nto se paga por una hipoteca de 50.000 euros a 15 a\u00f1os?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"El importe de la cuota depende del tipo de inter\u00e9s y las comisiones aplicadas. 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La seva experi\u00e8ncia en recerca de mercats a AvaFin, brinda gran valor al moment de generar informaci\u00f3 \u00fatil sobre aquelles persones que busquen prendre decisions financeres adequades a la seva situaci\u00f3.","sameAs":["http:\/\/www.avafin.es","https:\/\/www.linkedin.com\/in\/alejandra-rangel-bethencourt-29633a167\/"],"url":"https:\/\/www.avafin.es\/ca\/blog\/author\/alejandra"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/prestamos-para-locales-comerciales#faq-question-1764325052715","position":1,"url":"https:\/\/www.avafin.es\/ca\/blog\/prestamos-para-locales-comerciales#faq-question-1764325052715","name":"Quan es paga per una hipoteca de 50.000 euros a 15 anys?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"El importe de la cuota depende del tipo de inter\u00e9s y las comisiones aplicadas. Por ejemplo, con un inter\u00e9s del 3 %, la cuota mensual aproximada ser\u00eda de <strong>345 euros<\/strong> durante 15 a\u00f1os.<br\/>Si el tipo es fijo, mantendr\u00e1s la estabilidad en tus pagos; si es variable (Eur\u00edbor + diferencial), la cuota puede subir o bajar seg\u00fan la evoluci\u00f3n del mercado.<br\/>Para calcularlo con precisi\u00f3n, puedes usar un <strong>simulador hipoteca local comercial<\/strong>, disponible en bancos como <strong>La Caixa<\/strong>, <strong>ING<\/strong> o <strong>Santander<\/strong>, o probar el <strong>simulador pr\u00e9stamo local comercial<\/strong> que ofrecen plataformas financieras especializadas.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/www.avafin.es\/ca\/blog\/prestamos-para-locales-comerciales#faq-question-1764325069358","position":2,"url":"https:\/\/www.avafin.es\/ca\/blog\/prestamos-para-locales-comerciales#faq-question-1764325069358","name":"Quina documentaci\u00f3 necessito per sol\u00b7licitar finan\u00e7ament per comprar i reformar un local comercial?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Adem\u00e1s de la documentaci\u00f3n general que exige el banco (identificaci\u00f3n fiscal, declaraciones y plan de negocio), se recomienda presentar:<br\/><strong>-<\/strong> <strong>Presupuestos detallados de la reforma<\/strong>.<br\/>- <strong>Licencias de obra o permisos municipales<\/strong>, si la reforma lo requiere.<br\/>- <strong>Informe de tasaci\u00f3n del local<\/strong>, obligatorio en el caso de hipotecas.<br\/>- <strong>Certificados energ\u00e9ticos y t\u00e9cnicos<\/strong>, si la actividad los demanda.<br\/>Estos documentos aportan transparencia y seguridad a la entidad financiera, demostrando que el proyecto es s\u00f3lido y viable.","inLanguage":"ca"},"inLanguage":"ca"}]}},"jetpack_publicize_connections":[],"featured_media_link":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/11\/planificador-de-bodas-femenino-trabajando-con-el-cliente-768x511.jpg","category":{"color":"#010440","link":"https:\/\/www.avafin.es\/ca\/blog\/educacion-financiera","text":"Educaci\u00f3n financiera"},"_links":{"self":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/7544","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\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/comments?post=7544"}],"version-history":[{"count":1,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/7544\/revisions"}],"predecessor-version":[{"id":11583,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/7544\/revisions\/11583"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media\/7545"}],"wp:attachment":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media?parent=7544"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/categories?post=7544"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/tags?post=7544"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}