{"id":452121,"date":"2026-07-16T11:00:04","date_gmt":"2026-07-16T09:00:04","guid":{"rendered":"https:\/\/www.espigul.com\/?p=452121"},"modified":"2026-07-16T10:58:45","modified_gmt":"2026-07-16T08:58:45","slug":"comprar-casa-sense-estalvis-ni-aval","status":"publish","type":"post","link":"https:\/\/www.espigul.com\/ca\/comprar-casa-sense-estalvis-ni-aval\/","title":{"rendered":"Com comprar una casa sense estalvis ni aval: \u00e9s realment possible?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Comprar un habitatge continua sent un dels objectius m\u00e9s importants per a moltes persones, per\u00f2 tamb\u00e9 un dels que genera m\u00e9s dubtes. Un dels m\u00e9s habituals \u00e9s si \u00e9s possible comprar una casa sense estalvis ni aval, especialment quan no es disposa dels diners necessaris per afrontar l&#8217;entrada o les despeses associades a la compravenda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La resposta \u00e9s que s\u00ed, en alguns casos \u00e9s viable, per\u00f2 no \u00e9s la situaci\u00f3 m\u00e9s habitual. Tot dependr\u00e0 del teu perfil econ\u00f2mic, del tipus d&#8217;immoble, de les condicions de finan\u00e7ament i de la pol\u00edtica de l&#8217;entitat banc\u00e0ria.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A continuaci\u00f3 t&#8217;expliquem quines opcions existeixen, quins requisits solen demanar les entitats financeres i qu\u00e8 pots fer si vols comprar un habitatge sense haver acumulat un gran nivell d&#8217;estalvi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Es pot comprar una casa sense estalvis ni aval?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En la majoria d&#8217;operacions, els bancs acostumen a finan\u00e7ar fins al 80 % del valor de compra o de taxaci\u00f3 de l&#8217;habitatge habitual. Aix\u00f2 significa que el comprador ha d&#8217;aportar aproximadament el 20 % restant, a m\u00e9s de les despeses derivades de la compravenda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aquest motiu, comprar una casa sense estalvis ni aval no \u00e9s el m\u00e9s freq\u00fcent. Tot i aix\u00f2, hi ha situacions en qu\u00e8 \u00e9s possible obtenir un finan\u00e7ament superior o trobar alternatives que redueixin la necessitat d&#8217;aportar capital inicial.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cada operaci\u00f3 s&#8217;analitza de manera individual i factors com l&#8217;estabilitat laboral, els ingressos o el nivell d&#8217;endeutament poden marcar la difer\u00e8ncia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Per qu\u00e8 els bancs acostumen a demanar estalvis?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Els estalvis representen una garantia addicional per a l&#8217;entitat financera. Disposar d&#8217;un coix\u00ed econ\u00f2mic demostra capacitat d&#8217;estalvi i permet afrontar tant l&#8217;entrada com les despeses de notaria, registre, impostos o gestoria.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, comptar amb recursos propis redueix el risc de l&#8217;operaci\u00f3 i facilita l&#8217;aprovaci\u00f3 de la hipoteca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00f2 no significa que sense estalvis sigui impossible obtenir finan\u00e7ament, sin\u00f3 que el banc estudiar\u00e0 amb m\u00e9s detall la solv\u00e8ncia del comprador.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Opcions per comprar una casa sense estalvis ni aval<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hi ha diferents alternatives que poden facilitar l&#8217;acc\u00e9s a l&#8217;habitatge quan no es disposa dels estalvis habituals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hipoteques que financen m\u00e9s del 80 %<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Algunes entitats ofereixen, en casos molt concrets, hipoteques que poden arribar a finan\u00e7ar fins al 90 % o fins i tot el 100 % del valor de l&#8217;habitatge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquestes operacions solen reservar-se a perfils amb ingressos estables, poca capacitat d&#8217;endeutament i una situaci\u00f3 laboral consolidada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9 \u00e9s habitual que s&#8217;apliquin quan l&#8217;habitatge \u00e9s propietat del mateix banc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comprar habitatges propietat de bancs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan una entitat financera ven un immoble de la seva cartera, \u00e9s possible que ofereixi condicions hipotec\u00e0ries m\u00e9s favorables.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En alguns casos, aix\u00f2 permet reduir l&#8217;aportaci\u00f3 inicial necess\u00e0ria i facilita l&#8217;acc\u00e9s al finan\u00e7ament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No obstant aix\u00f2, cada operaci\u00f3 continua estant subjecta a un estudi de solv\u00e8ncia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Avals p\u00fablics per a determinats col\u00b7lectius<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Algunes administracions impulsen programes d&#8217;avals destinats, principalment, a joves o fam\u00edlies que compleixen determinats requisits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquests <a href=\"https:\/\/www.espigul.com\/ca\/drets-obligacions-aval\/\">avals<\/a> poden facilitar l&#8217;acc\u00e9s a un percentatge m\u00e9s alt de finan\u00e7ament sense necessitat d&#8217;aportar un aval privat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les condicions varien segons la comunitat aut\u00f2noma i les convocat\u00f2ries vigents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quins requisits solen demanar les entitats financeres?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Encara que no es disposi d&#8217;estalvis, els bancs valoren especialment la capacitat de retornar el pr\u00e9stec i altres<a href=\"https:\/\/www.espigul.com\/ca\/quins-son-els-requisits-per-sollicitar-una-hipoteca\/\"> requisits per demanar una hipoteca<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entre els aspectes que acostumen a analitzar hi ha:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>estabilitat laboral i antiguitat a la feina;<\/li>\n\n\n\n<li>ingressos recurrents i suficients;<\/li>\n\n\n\n<li>nivell d&#8217;endeutament assumible;<\/li>\n\n\n\n<li>historial financer favorable;<\/li>\n\n\n\n<li>valor de taxaci\u00f3 de l&#8217;habitatge.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En definitiva, una bona situaci\u00f3 econ\u00f2mica pot compensar parcialment la manca d&#8217;estalvis en determinades operacions.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9s recomanable comprar una casa sense estalvis?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e9s enll\u00e0 de si \u00e9s possible, tamb\u00e9 \u00e9s important valorar si \u00e9s convenient.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comprar un habitatge sense haver generat un m\u00ednim de reserva econ\u00f2mica pot comportar m\u00e9s pressi\u00f3 financera durant els primers anys. Cal tenir present que, a m\u00e9s de la quota hipotec\u00e0ria, poden apar\u00e8ixer despeses imprevistes relacionades amb el manteniment de l&#8217;immoble, reformes o canvis en la situaci\u00f3 personal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aquest motiu, abans de prendre una decisi\u00f3 \u00e9s recomanable analitzar la capacitat econ\u00f2mica a llarg termini i assegurar-se que la compra ser\u00e0 sostenible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Com et pot ajudar Esp\u00edgul a trobar l&#8217;habitatge adequat?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si est\u00e0s valorant com comprar una casa sense estalvis ni aval, comptar amb assessorament professional des del primer moment pot ajudar-te a identificar les opcions m\u00e9s adequades per al teu cas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Esp\u00edgul t&#8217;acompanyem durant tot el proc\u00e9s de compra perqu\u00e8 puguis trobar l&#8217;habitatge que millor s&#8217;adapta a les teves necessitats i prendre decisions amb tota la informaci\u00f3. A m\u00e9s, podem orientar-te sobre la documentaci\u00f3 necess\u00e0ria, les particularitats de cada operaci\u00f3 i els aspectes que conv\u00e9 revisar abans de signar la compravenda.<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comprar un habitatge continua sent un dels objectius m\u00e9s importants per a moltes persones, per\u00f2 tamb\u00e9 un dels que genera m\u00e9s dubtes. Un dels m\u00e9s habituals \u00e9s si \u00e9s possible comprar una casa sense estalvis ni aval, especialment quan no es disposa dels diners necessaris per afrontar l&#8217;entrada o les despeses associades a la compravenda&#8230;.<\/p>\n","protected":false},"author":6,"featured_media":452120,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-452121","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-ca"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Com comprar una casa sense estalvis ni aval: opcions reals<\/title>\n<meta name=\"description\" content=\"Descobreix com comprar una casa sense estalvis ni aval, quines opcions existeixen, quins requisits solen 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