{"id":517640,"date":"2026-10-22T11:45:51","date_gmt":"2026-10-22T09:45:51","guid":{"rendered":"https:\/\/www.espigul.com\/?p=517640"},"modified":"2026-10-22T11:48:28","modified_gmt":"2026-10-22T09:48:28","slug":"et-poden-tornar-la-reserva-dun-pis","status":"publish","type":"post","link":"https:\/\/www.espigul.com\/ca\/et-poden-tornar-la-reserva-dun-pis\/","title":{"rendered":"Et poden tornar la reserva d\u2019un pis? Quan pots recuperar els diners?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Quan trobes un habitatge que t\u2019agrada, \u00e9s habitual que vulguis assegurar-te que ning\u00fa m\u00e9s se l\u2019emporti. Per aix\u00f2, abans de formalitzar la compravenda o signar un contracte de lloguer, \u00e9s possible que et demanin una quantitat de diners per reservar-lo. Per\u00f2 qu\u00e8 passa si finalment canvies d\u2019opini\u00f3, no aconsegueixes la hipoteca o el propietari decideix no continuar amb l\u2019operaci\u00f3? Et poden tornar la reserva d\u2019un pis?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La resposta dep\u00e8n de les condicions que hagis acceptat, del tipus d\u2019operaci\u00f3 i dels motius pels quals no es formalitza el contracte. No \u00e9s el mateix reservar un habitatge que vols comprar que lliurar una quantitat per avan\u00e7ar en un lloguer. Per aix\u00f2, abans de fer cap pagament, \u00e9s important saber qu\u00e8 est\u00e0s signant i quines conseq\u00fc\u00e8ncies pot tenir cancel\u00b7lar l\u2019operaci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Et poden tornar la reserva d\u2019un pis si cancel\u00b7les la compra?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si has entregat diners per reservar un habitatge en venda, pots recuperar la reserva d\u2019un pis en determinades circumst\u00e0ncies, per\u00f2 no sempre tens dret a fer-ho. El primer que has de revisar \u00e9s el document que has signat i les condicions que s&#8217;hi estableixen en cas de cancel\u00b7laci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En una operaci\u00f3 de compravenda, la reserva serveix habitualment per deixar const\u00e0ncia de l&#8217;inter\u00e8s del comprador i retirar temporalment l&#8217;habitatge del mercat. En canvi, el <a href=\"https:\/\/www.espigul.com\/ca\/que-es-i-per-que-serveix-el-contracte-darres\/\">contracte d&#8217;arres <\/a>formalitza el comprom\u00eds de les parts i pot establir conseq\u00fc\u00e8ncies econ\u00f2miques espec\u00edfiques si l&#8217;operaci\u00f3 no arriba a bon port.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per tant, no n&#8217;hi ha prou amb saber quina quantitat has pagat. Tamb\u00e9 has de comprovar si es tracta d&#8217;una reserva, d&#8217;unes arres o d&#8217;un altre tipus d&#8217;acord, i quines obligacions has assumit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quan et retornen els diners de la reserva d\u2019un habitatge?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hi ha diverses situacions en qu\u00e8 pots tenir dret a recuperar els diners que has avan\u00e7at per reservar un pis. Tot dependr\u00e0 del contingut del contracte i de les circumst\u00e0ncies concretes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si el venedor decideix cancel\u00b7lar l&#8217;operaci\u00f3, haur\u00e0s de revisar les condicions pactades per determinar quines conseq\u00fc\u00e8ncies t\u00e9 aquesta decisi\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si no es compleixen les condicions pactades, com ara una condici\u00f3 expressa que permeti recuperar els diners si no s&#8217;obt\u00e9 el finan\u00e7ament hipotecari, pots tenir dret a la devoluci\u00f3. Perqu\u00e8 aix\u00f2 sigui aplicable, cal comprovar el redactat de l&#8217;acord i si es compleixen els requisits establerts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si hi ha un incompliment per part del venedor, com ara que no pugui transmetre l&#8217;habitatge en les condicions acordades, tamb\u00e9 pots tenir arguments per reclamar la devoluci\u00f3 dels diners, segons el contracte i la gravetat de l&#8217;incompliment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En qualsevol cas, abans de donar per perduda la quantitat entregada, revisa la documentaci\u00f3 i les possibles vies de reclamaci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pots perdre la reserva d\u2019un pis si canvies d\u2019opini\u00f3?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed. Si ets tu qui decideix no continuar amb la compra, pots perdre els diners que has entregat, especialment si has signat unes arres penitencials i no concorre cap circumst\u00e0ncia que justifiqui recuperar-les.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En les arres penitencials, si el comprador es desdiu, les perd; si ho fa el venedor, les ha de retornar per duplicat. En canvi, les arres confirmat\u00f2ries funcionen com un senyal de la compravenda i a compte del preu, i no impliquen autom\u00e0ticament el mateix dret a desistir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, si encara tens dubtes sobre si vols comprar un habitatge, \u00e9s recomanable aclarir les condicions abans de signar. No donis per fet que podr\u00e0s recuperar els diners simplement perqu\u00e8 encara no has anat a la notaria.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 passa si no aconsegueixes la hipoteca despr\u00e9s de reservar el pis?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un dels dubtes m\u00e9s freq\u00fcents apareix quan has trobat l&#8217;habitatge que vols comprar, has entregat una reserva o unes arres i, posteriorment, el banc et denega la hipoteca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En aquest cas, no sempre es recuperen autom\u00e0ticament els diners. El fet de no obtenir finan\u00e7ament no anul\u00b7la necess\u00e0riament el comprom\u00eds que has adquirit amb el venedor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per evitar aquest risc, \u00e9s important valorar si el contracte pot incorporar una condici\u00f3 relacionada amb l&#8217;obtenci\u00f3 de la hipoteca i definir clarament en quines circumst\u00e0ncies es podr\u00e0 recuperar la quantitat entregada. Si ja has signat, revisa si aquesta condici\u00f3 hi consta i quins requisits has de complir per fer-la efectiva.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9 \u00e9s important conservar les comunicacions amb l&#8217;entitat banc\u00e0ria i la documentaci\u00f3 que acrediti la denegaci\u00f3 del finan\u00e7ament. Si tens dubtes sobre les conseq\u00fc\u00e8ncies de cancel\u00b7lar l&#8217;operaci\u00f3, busca assessorament abans de comunicar que no continuar\u00e0s amb la compra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Et poden tornar la reserva d\u2019un pis de lloguer?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En el cas del lloguer, les condicions poden ser diferents de les d&#8217;una compravenda. Si has pagat una quantitat per reservar un habitatge, has de comprovar quin concepte figura al document i qu\u00e8 s&#8217;ha acordat sobre la devoluci\u00f3 dels diners.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per exemple, si has abonat una quantitat a una ag\u00e8ncia immobili\u00e0ria i, quan contactes amb la propietat, t&#8217;informen que el pis no est\u00e0 disponible o que ja s&#8217;ha llogat, pots reclamar el retorn dels diners.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En canvi, si ets tu qui decideix no continuar amb el lloguer, caldr\u00e0 revisar les condicions de la reserva i els compromisos que hagis acceptat. No s&#8217;ha de confondre aquesta quantitat amb la fian\u00e7a legal del contracte de lloguer, que t\u00e9 una finalitat diferent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si no arribes a un acord amb una ag\u00e8ncia o una empresa immobili\u00e0ria, pots presentar una reclamaci\u00f3 a trav\u00e9s dels canals de consum corresponents. Si l&#8217;acord \u00e9s entre particulars, les vies de reclamaci\u00f3 poden ser diferents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 has de revisar abans de pagar la reserva d\u2019un pis?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Abans d&#8217;entregar diners per assegurar-te un habitatge, dedica uns minuts a revisar les condicions. Et pot ajudar a evitar malentesos i a prendre una decisi\u00f3 amb m\u00e9s seguretat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comprova que el document identifiqui l&#8217;habitatge, l&#8217;import que has de pagar, el termini de la reserva i les obligacions de cada part. Tamb\u00e9 \u00e9s important que indiqui qu\u00e8 passa si l&#8217;operaci\u00f3 no es formalitza, en quins casos es retornen els diners i si existeixen penalitzacions per desistir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Demana un justificant del pagament i conserva una c\u00f2pia de tota la documentaci\u00f3 signada. Si necessites finan\u00e7ament per comprar, valora les possibles conseq\u00fc\u00e8ncies d&#8217;una denegaci\u00f3 hipotec\u00e0ria abans d&#8217;assumir cap comprom\u00eds econ\u00f2mic.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trobar un habitatge que encaixi amb el que busques \u00e9s un pas important, per\u00f2 tamb\u00e9 ho \u00e9s con\u00e8ixer les condicions de l&#8217;operaci\u00f3 abans de comprometre&#8217;t. Si tens dubtes, revisar el contracte amb antelaci\u00f3 et permetr\u00e0 saber quins drets tens i quines conseq\u00fc\u00e8ncies pot tenir cancel\u00b7lar la reserva.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quan trobes un habitatge que t\u2019agrada, \u00e9s habitual que vulguis assegurar-te que ning\u00fa m\u00e9s se l\u2019emporti. Per aix\u00f2, abans de formalitzar la compravenda o signar un contracte de lloguer, \u00e9s possible que et demanin una quantitat de diners per reservar-lo. Per\u00f2 qu\u00e8 passa si finalment canvies d\u2019opini\u00f3, no aconsegueixes la hipoteca o el propietari decideix&#8230;<\/p>\n","protected":false},"author":6,"featured_media":517938,"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-517640","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 v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Et poden tornar la reserva d\u2019un pis?<\/title>\n<meta name=\"description\" content=\"Et poden tornar la reserva d\u2019un pis si cancel\u00b7les la compra o el lloguer? 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