{"id":7735,"date":"2025-12-12T15:46:51","date_gmt":"2025-12-12T13:46:51","guid":{"rendered":"https:\/\/www.avafin.es\/?p=7735"},"modified":"2026-04-23T11:01:02","modified_gmt":"2026-04-23T09:01:02","slug":"com-saber-si-em-donen-un-prestec-factors-clau-i-consells","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/bloc\/com-saber-si-em-donen-un-prestec-factors-clau-i-consells","title":{"rendered":"Com saber si em donen un pr\u00e9stec? Factors clau i consells"},"content":{"rendered":"<p>Quan sorgeix una necessitat econ\u00f2mica important \u2014ja sigui per pagar estudis, cobrir una despesa imprevista o reunificar deutes\u2014 una de les primeres preguntes que ens fem \u00e9s: <strong>com saber si em donen un pr\u00e9stec?<\/strong> Aquest dubte \u00e9s molt com\u00fa i, en molts casos, la manca d&#039;informaci\u00f3 clara genera frustraci\u00f3 i desconfian\u00e7a envers els bancs.<\/p>\n\n\n\n<p>La realitat \u00e9s que les entitats financeres apliquen criteris for\u00e7a estrictes abans d&#039;aprovar un cr\u00e8dit, i no sempre expliquen obertament el motiu d&#039;un rebuig. Moltes persones acaben pensant: \u201c<strong>necessito un pr\u00e9stec i ning\u00fa me&#039;l d\u00f3na<\/strong>\u201d, sense comprendre quins factors influeixen realment en aquesta decisi\u00f3.<\/p>\n\n\n\n<p>En aquesta guia completa t&#039;expliquem, pas a pas, qu\u00e8 miren els bancs per concedir un pr\u00e9stec, quins s\u00f3n els errors que cal evitar, i quins trucs et poden ajudar a millorar el teu perfil creditici. A m\u00e9s, si cerques finan\u00e7ament en bancs com BBVA o La Caixa, tamb\u00e9 et detallem els seus requisits espec\u00edfics i alternatives disponibles si la banca tradicional no \u00e9s una opci\u00f3. Una \u00e9s <strong><a href=\"https:\/\/www.avafin.es\/ca\/com-sol%c2%b7licitar-un-prestec\/\" target=\"_blank\" rel=\"noreferrer noopener\">Avafin<\/a>, <\/strong>on pots sol\u00b7licitar el teu pr\u00e9stec online de forma r\u00e0pida, sense paperassa ni condicions complicades.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Els 3 factors clau que analitza el banc<\/strong><\/h2>\n\n\n\n<p>Abans d&#039;aprovar un pr\u00e9stec, qualsevol banc o entitat financera fa una an\u00e0lisi detallada del perfil del sol\u00b7licitant. No n&#039;hi ha prou de voler els diners: <strong>cal demostrar que pots tornar-ho i que ets un client de baix risc<\/strong>. Per aix\u00f2, \u00e9s important entendre <strong>qu\u00e8 miren els bancs per concedir un pr\u00e9stec<\/strong>. Aquests tres factors s\u00f3n els m\u00e9s determinants a lhora de prendre la decisi\u00f3 final.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Capacitat d&#039;endeutament: la regla del 35%<\/h3>\n\n\n\n<p>La <strong>capacitat d&#039;endeutament<\/strong> reflecteix el percentatge dels teus ingressos mensuals que pots destinar a pagar deutes sense comprometre la teva estabilitat financera.<\/p>\n\n\n\n<p>La majoria de les entitats apliquen la trucada <strong>\u201cregla del 35%\u201d<\/strong>, que indica que no hauries de superar aquest percentatge a les teves quotes mensuals (sumant tots els pr\u00e9stecs, hipoteques o targetes). Si est\u00e0s per sobre, \u00e9s molt probable que la teva sol\u00b7licitud sigui rebutjada.<\/p>\n\n\n\n<p><strong>Exemple:<\/strong><br>&nbsp;Si guanyes 1.500 \u20ac, les teves quotes mensuals (incloent-hi hipoteca, pr\u00e9stecs, targetes) no han de superar 525 \u20ac. Superar aquest l\u00edmit et posar\u00e0 en risc de rebuig autom\u00e0tic.<\/p>\n\n\n\n<p><strong>Consell:<\/strong> Si els teus deutes actuals superen aquest llindar, intenta cancel\u00b7lar o refinan\u00e7ar part abans de sol\u00b7licitar un nou cr\u00e8dit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Historial creditici: qu\u00e8 surt a la CIRBE i ASNEF?<\/h3>\n\n\n\n<p>El <strong>historial creditici<\/strong> \u00e9s com tu \u201cexpedient financer\u201d. Els bancs accedeixen a registres com la <strong>CIRB<\/strong> (Central d&#039;Informaci\u00f3 de Riscos del Banc d&#039;Espanya) o llistes de morosos com <strong>ASNEF<\/strong> per saber:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quins pr\u00e9stecs tens actius actualment<\/li>\n\n\n\n<li>Si ets al dia en els teus pagaments<\/li>\n\n\n\n<li>Si has tingut impagaments o deutes pendents<\/li>\n\n\n\n<li>Amb quines entitats has tingut relacions financeres<\/li>\n<\/ul>\n\n\n\n<p>Si esteu en una llista com ASNEF o teniu un historial amb retards freq\u00fcents, aix\u00f2 pot reduir la vostra puntuaci\u00f3 i dificultar l&#039;aprovaci\u00f3. Per contra, un historial net \u00e9s un gran punt a favor.<\/p>\n\n\n\n<p>M\u00e9s informaci\u00f3 aqu\u00ed: <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/que-es-lhistorial-creditici\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Qu\u00e8 \u00e9s l&#039;historial creditici?<\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Estabilitat laboral: Antiguitat i tipus de contracte<\/h3>\n\n\n\n<p>Un dels aspectes que d\u00f3na m\u00e9s tranquil\u00b7litat als bancs \u00e9s saber que tens <strong>ingressos estables i recurrents<\/strong>. Per aix\u00f2, la teva situaci\u00f3 laboral hi juga un paper crucial.<\/p>\n\n\n\n<p>Els perfils m\u00e9s valorats s\u00f3n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Treballadors amb contracte indefinit<\/strong><\/li>\n\n\n\n<li><strong>Funcionaris o empleats p\u00fablics<\/strong><\/li>\n\n\n\n<li><strong>Persones amb m\u00e9s d&#039;1 any d&#039;antiguitat al lloc actual<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Si ets aut\u00f2nom o tens contractes temporals, no vol dir que no puguis obtenir un pr\u00e9stec, per\u00f2 ho haur\u00e0s de compensar amb altres elements positius (per exemple, menor nivell de deute o ingressos m\u00e9s alts).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Trucs perqu\u00e8 et concedeixin un pr\u00e9stec (i errors a evitar)<\/strong><\/h2>\n\n\n\n<p>Con\u00e8ixer els criteris que valoren les entitats nom\u00e9s \u00e9s una part del proc\u00e9s. L&#039;altra \u00e9s saber com millorar el teu perfil i <strong>augmentar les probabilitats que t&#039;aprovin el pr\u00e9stec<\/strong>. De vegades, petits canvis en la manera com presentes la teva sol\u00b7licitud poden marcar la difer\u00e8ncia. Aqu\u00ed te&#039;n compartim alguns <strong>trucs perqu\u00e8 et concedeixin un pr\u00e9stec<\/strong> (fins i tot si t&#039;ho han denegat abans), a m\u00e9s a m\u00e9s d&#039;errors freq\u00fcents que hauries d&#039;evitar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Un banc pot saber si tinc un pr\u00e9stec amb un altre banc?<\/h3>\n\n\n\n<p>S\u00ed, i \u00e9s una de les primeres coses que comproven. Gr\u00e0cies a eines com la <strong>CIRBE (Central d&#039;Informaci\u00f3 de Riscos del Banc d&#039;Espanya)<\/strong>, els bancs poden consultar si tens altres pr\u00e9stecs actius, independentment de amb quina entitat els hagis contractat. Aix\u00f2 inclou cr\u00e8dits personals, hipoteques, targetes de cr\u00e8dit i l\u00ednies de finan\u00e7ament.<\/p>\n\n\n\n<p><strong>Qu\u00e8 implica aix\u00f2?<\/strong> Que <strong>no serveix de res amagar informaci\u00f3<\/strong>, ja que l&#039;entitat veur\u00e0 de manera clara quants deutes tens, els imports i el teu comportament de pagament. A m\u00e9s, si el vostre nivell d&#039;endeutament \u00e9s alt, pot afectar negativament el vostre scoring creditici i reduir les vostres possibilitats d&#039;aprovaci\u00f3.<\/p>\n\n\n\n<p>Per tant, si et preguntes <strong>\u201cun banc pot saber si tinc un pr\u00e9stec amb un altre banc\u201d<\/strong>, la resposta \u00e9s s\u00ed, i per aix\u00f2 \u00e9s clau tenir les teves finances ordenades abans de sol\u00b7licitar un nou cr\u00e8dit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mentir a la finalitat del pr\u00e9stec: Funciona o \u00e9s perill\u00f3s?<\/h3>\n\n\n\n<p>Alguns pensen que <strong>mentir sobre la finalitat del pr\u00e9stec<\/strong> pot ajudar que li concedeixin. Per exemple, dir que \u00e9s per a estudis quan realment \u00e9s per reunificar deutes. Per\u00f2 compte: aquest <strong>canvi de finalitat del pr\u00e9stec<\/strong> pot tenir conseq\u00fc\u00e8ncies legals i financeres.<\/p>\n\n\n\n<p>La nostra recomanaci\u00f3: sigues honest. Els bancs valoren la transpar\u00e8ncia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Com millorar el teu perfil davant de bancs com BBVA o La Caixa<\/h3>\n\n\n\n<p>Si busques <strong>trucs perqu\u00e8 et concedeixin un pr\u00e9stec BBVA<\/strong> o superar els <strong>requisits per demanar un pr\u00e9stec a La Caixa<\/strong>, segueix aquests consells:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Evita impagaments en els mesos previs a la sol\u00b7licitud<\/li>\n\n\n\n<li>Redueix l&#039;\u00fas de les targetes de cr\u00e8dit<\/li>\n\n\n\n<li>Presenta ingressos estables<\/li>\n\n\n\n<li>Aporta garanties o avals si \u00e9s possible<\/li>\n\n\n\n<li>Fes servir simuladors de pr\u00e9stec a les seves webs abans d&#039;anar-hi<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u201cNecessito un pr\u00e9stec i ning\u00fa no m&#039;ho d\u00f3na\u201d: Per qu\u00e8 em rebutgen?<\/strong><\/h2>\n\n\n\n<p>Si heu pensat m\u00e9s d&#039;una vegada \u201c<strong>necessito un pr\u00e9stec i ning\u00fa me&#039;l d\u00f3na<\/strong>\u201d&quot;, no est\u00e0s sol. \u00c9s una situaci\u00f3 m\u00e9s comuna del que sembla, i sol venir acompanyada de confusi\u00f3 i frustraci\u00f3. Moltes vegades les entitats <strong>no expliquen clarament el motiu del rebuig<\/strong>, cosa que deixa els sol\u00b7licitants sense saber com millorar o quines opcions els queden. A continuaci\u00f3, t&#039;expliquem <strong>les raons m\u00e9s habituals per les quals es rebutgen pr\u00e9stecs<\/strong> i quines alternatives podeu considerar si els bancs tradicionals us han dit que no.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Motius de rebuig que no et diuen (Scoring baix)<\/h3>\n\n\n\n<p>Un dels motius m\u00e9s comuns \u00e9s tenir un <strong>scoring bancari baix<\/strong>. Aquest \u00e9s un sistema de puntuaci\u00f3 interna que valora el teu perfil financer i el risc d&#039;impagament.<\/p>\n\n\n\n<p>Factors que el baixen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pocs anys com a client<\/li>\n\n\n\n<li>Haver sol\u00b7licitat molts pr\u00e9stecs recentment<\/li>\n\n\n\n<li>Tenir impagaments, encara que ja estiguin saldats<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Alternatives quan la banca tradicional diu \u00abNo\u00bb<\/h3>\n\n\n\n<p>Si la resposta del banc \u00e9s negativa, no tot est\u00e0 perdut. Pots considerar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pr\u00e9stecs entre particulars<\/li>\n\n\n\n<li>Empreses de cr\u00e8dits r\u00e0pids (encara que amb m\u00e9s interessos)<\/li>\n\n\n\n<li>Pr\u00e9stecs amb garantia de cotxe o habitatge<\/li>\n\n\n\n<li>Plataformes P2P (finan\u00e7ament entre persones)<\/li>\n\n\n\n<li>O b\u00e9 optar per solucions com <strong><a href=\"https:\/\/www.avafin.es\/ca\/com-sol%c2%b7licitar-un-prestec\/\" target=\"_blank\" rel=\"noreferrer noopener\">Avafin<\/a>,<\/strong> una entitat financera digital que estudia cada cas de manera personalitzada i sense les barreres tradicionals de la banca.<\/li>\n<\/ul>\n\n\n\n<p>Abans de prendre una decisi\u00f3, informa&#039;t b\u00e9 sobre com sol\u00b7licitar un pr\u00e9stec responsablement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Documentaci\u00f3 necess\u00e0ria per demanar un pr\u00e9stec personal<\/strong><\/h2>\n\n\n\n<p>Quan decideixes sol\u00b7licitar un cr\u00e8dit, un dels passos m\u00e9s importants \u00e9s <strong>preparar correctament la documentaci\u00f3<\/strong>. Lliurar els papers adequats des del comen\u00e7ament no nom\u00e9s accelera el proc\u00e9s, sin\u00f3 que <strong>evita rebutjos innecessaris per manca d&#039;informaci\u00f3<\/strong>. A continuaci\u00f3, t&#039;expliquem quins s\u00f3n els <strong>requisits b\u00e0sics per demanar un pr\u00e9stec<\/strong> i quins documents addicionals et poden demanar si sol\u00b7licites una quantitat m\u00e9s elevada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Requisits b\u00e0sics: DNI, n\u00f2mina i compte bancari<\/h3>\n\n\n\n<p>Els documents m\u00e9s comuns que et demanaran:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DNI o NIE en vigor<\/li>\n\n\n\n<li>\u00daltimes 2 o 3 n\u00f2mines<\/li>\n\n\n\n<li>Extractes bancaris<\/li>\n\n\n\n<li>Justificant de domicili<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Quins papers demanen per a pr\u00e9stecs de m\u00e9s import?<\/h3>\n\n\n\n<p>Per a imports alts (superiors a 20.000 \u20ac), \u00e9s probable que et demanin, a m\u00e9s:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Declaraci\u00f3 de la renda (IRPF)<\/li>\n\n\n\n<li>Vida laboral actualitzada<\/li>\n\n\n\n<li>Avals o garanties<\/li>\n\n\n\n<li>Contracte de compravenda si el pr\u00e9stec \u00e9s per a cotxe o immoble<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Preguntes freq\u00fcents sobre concessi\u00f3 de cr\u00e8dits<\/strong><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1765546935376\"><strong class=\"schema-faq-question\"><strong>Com puc saber si em poden fer un pr\u00e9stec sense n\u00f2mina?<\/strong><\/strong> <p class=\"schema-faq-answer\">Tot i que \u00e9s m\u00e9s dif\u00edcil, <strong>s\u00ed que es pot aconseguir un pr\u00e9stec sense n\u00f2mina<\/strong> si:<br\/>\u2013 Tens ingressos recurrents (per exemple, pensi\u00f3 o lloguer)<br\/>\u2013 Pots presentar un aval<br\/>\u2013 Est\u00e0s disposat a oferir una garantia<br\/>Algunes entitats ofereixen productes espec\u00edfics per a aquests casos.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1765546956532\"><strong class=\"schema-faq-question\"><strong>Quan triguen a dir-te si et concedeixen el pr\u00e9stec?<\/strong><\/strong> <p class=\"schema-faq-answer\">Dep\u00e8n del tipus important:<br\/>\u2013 Bancs tradicionals: entre 3 i 10 dies laborables<br\/>\u2013 Financeres online: resposta en 24 hores o menys<br\/>Assegureu-vos d&#039;enviar tota la documentaci\u00f3 correctament per evitar demores.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1765546973822\"><strong class=\"schema-faq-question\"><strong>Puc demanar un pr\u00e9stec per pagar un altre pr\u00e9stec?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed, i de fet \u00e9s una pr\u00e0ctica comuna anomenada <strong>reunificaci\u00f3 de deutes<\/strong>. Per\u00f2 <strong>el canvi de finalitat del pr\u00e9stec<\/strong> ha de ser autoritzat pel banc, i podria implicar noves condicions o garanties.<\/p> <\/div> <\/div>\n\n\n\n<p>Saber si et concediran un pr\u00e9stec dep\u00e8n de molts factors: el teu historial, els teus ingressos, la teva feina i el teu comportament financer. Si b\u00e9 no hi ha f\u00f3rmula m\u00e0gica, aplicar aquests <strong>trucs perqu\u00e8 et concedeixin un pr\u00e9stec<\/strong> pot marcar la difer\u00e8ncia entre un s\u00ed i un no.<\/p>\n\n\n\n<p>I si sents que \u201c<strong>necessito un pr\u00e9stec i ning\u00fa me&#039;l d\u00f3na<\/strong>\u201d&quot;, no desesperis. Hi ha opcions m\u00e9s enll\u00e0 dels bancs. Per exemple, a <strong><a href=\"https:\/\/www.avafin.es\/ca\/com-sol%c2%b7licitar-un-prestec\/\" target=\"_blank\" rel=\"noreferrer noopener\">Avafin<\/a><\/strong> pots sol\u00b7licitar un pr\u00e9stec 100% en l\u00ednia, amb condicions clares i sense complicacions.<\/p>\n\n\n\n<p>Vols m\u00e9s consells? Visita la nostra guia de <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/trucs-perque-et-concedeixin-un-prestec\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>trucs perqu\u00e8 et concedeixin un pr\u00e9stec<\/strong><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">A punt per fer el seg\u00fcent pas?<\/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\">Demana el teu pr\u00e9stec a 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 sorgeix una necessitat econ\u00f2mica important \u2013ja sigui per pagar estudis, cobrir una despesa imprevista o reunificar deutes\u2013 una de les primeres preguntes que ens fem \u00e9s: com saber si em donen un pr\u00e9stec? Aquest dubte \u00e9s molt com\u00fa i, en molts casos, la manca d&#039;informaci\u00f3 clara genera frustraci\u00f3 i desconfian\u00e7a envers els bancs. [\u2026]<\/p>","protected":false},"author":32,"featured_media":7737,"comment_status":"closed","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-7735","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>\u00bfC\u00f3mo saber si me dan un pr\u00e9stamo? 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