{"id":12333,"date":"2025-08-01T10:26:47","date_gmt":"2025-08-01T10:26:47","guid":{"rendered":"https:\/\/akteon.es\/?p=12333"},"modified":"2026-03-06T08:25:02","modified_gmt":"2026-03-06T08:25:02","slug":"demanar-una-hipoteca-5-errors-comuns-a-evitar","status":"publish","type":"post","link":"https:\/\/akteon.es\/ca\/demanar-una-hipoteca-5-errors-comuns-a-evitar\/","title":{"rendered":"Demanar una Hipoteca: 5 errors comuns a evitar"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_section][vc_row][vc_column][vc_column_text css=&#8221;&#8221; font_size=&#8221;15px&#8221;]Demanar una hipoteca \u00e9s una de les decisions financeres m\u00e9s importants de la vida. No obstant aix\u00f2, moltes persones cometent errors que es podrien evitar amb una mica m\u00e9s d&#8217;informaci\u00f3, an\u00e0lisi i acompanyament professional. En aquest article t&#8217;expliquem els 5 errors m\u00e9s freq\u00fcents en demanar una hipoteca, com poden afectar a la teva economia i, sobretot, qu\u00e8 fer per evitar-los.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_6a1b7ee8f343c{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee8f343c\"><span class=\"vcex-heading-inner wpex-inline-block\">No comparar entre diferents ofertes hipotec\u00e0ries<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Tot i que pot semblar l\u00f2gic acudir directament al teu banc de confian\u00e7a quan decideixes Demanar una hipoteca, la veritat \u00e9s que aquesta decisi\u00f3 et pot costar milers d&#8217;euros al llarg dels anys si no realitzes una comparativa entre diferents entitats. \u00c9s un dels errors m\u00e9s comuns i, al mateix temps, m\u00e9s f\u00e0cils d&#8217;evitar si et assessores b\u00e9 des del principi.[\/vc_column_text]<style>.vcex-heading.vcex_6a1b7ee8f40e0{color:#000000;font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee8f40e0\"><span class=\"vcex-heading-inner wpex-inline-block\">Per qu\u00e8 \u00e9s un error?<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Cada entitat banc\u00e0ria t\u00e9 les seves pr\u00f2pies condicions, tipus d&#8217;inter\u00e8s, comissions, terminis i requisits. Limitar-te a una \u00fanica opci\u00f3 \u2014per proximitat, comoditat o confian\u00e7a\u2014 pot portar-te a acceptar una oferta que no \u00e9s la m\u00e9s avantatjosa per a tu.<br \/>\nPer exemple, potser una entitat ofereix un tipus fix m\u00e9s baix, per\u00f2 a canvi t&#8217;exigeix contractar diversos productes vinculats (assegurances, targetes, plans de pensions) que incrementen el cost total de la hipoteca. O potser una altra ofereix menys comissions, per\u00f2 amb un tipus variable que podria pujar considerablement en el futur.<br \/>\nLa clau est\u00e0 en entendre que una difer\u00e8ncia d&#8217;apenes un 0,2% en el tipus d&#8217;inter\u00e8s pot traduir-se en desenes de milers d&#8217;euros al llarg de 25 o 30 anys.<br \/>\nA m\u00e9s, en un context on la compet\u00e8ncia entre bancs i intermediaris hipotecaris \u00e9s alta, comptar amb diverses ofertes et dona m\u00e9s poder de negociaci\u00f3. Si no compares, est\u00e0s renunciant de bon principi a aquest marge de millora.[\/vc_column_text]<style>.vcex-heading.vcex_6a1b7ee90074f{color:#000000;font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee90074f\"><span class=\"vcex-heading-inner wpex-inline-block\">Com evitar-ho<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]La millor manera d&#8217;evitar aquest error \u00e9s realitzar una comparativa objectiva entre diverses ofertes hipotec\u00e0ries. No n&#8217;hi ha prou amb mirar el tipus d&#8217;inter\u00e8s nominal (TIN); \u00e9s fonamental tenir en compte el TAE (Tipus Anual Equivalent), que inclou tots els costos associats, com comissions o productes vinculats.<br \/>\nTamb\u00e9 cal considerar:<br \/>\n\u2022 El tipus d&#8217;inter\u00e8s (fix, variable o mixt)<br \/>\n\u2022 La durada del pr\u00e9stec<br \/>\n\u2022 Les comissions d&#8217;obertura, amortitzaci\u00f3 parcial o total<br \/>\n\u2022 Els productes vinculats exigits<br \/>\n\u2022 La flexibilitat davant possibles canvis futurs (per exemple, si permet subrogaci\u00f3 o renegociaci\u00f3)<br \/>\nSi no tens temps ni coneixements per fer aquest an\u00e0lisi en profunditat, el m\u00e9s recomanable \u00e9s acudir a un intermediari hipotecari professional, com \u00c0kteon. En lloc d&#8217;acudir de banc en banc, els nostres experts comparen per a tu entre desenes d&#8217;entitats per trobar l&#8217;oferta que millor s&#8217;adapti al teu perfil, sense cost per a tu i amb total transpar\u00e8ncia.<br \/>\nA m\u00e9s, gr\u00e0cies a la nostra xarxa de col\u00b7laboradors \u2014especialment amb immobili\u00e0ries\u2014 aconseguim condicions que, com a particular, podries no obtenir pel teu compte.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_6a1b7ee90156b{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee90156b\"><span class=\"vcex-heading-inner wpex-inline-block\">No calcular tots els costos associats a la hipoteca<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Quan alg\u00fa decideix Demanar una hipoteca, un dels errors m\u00e9s comuns \u00e9s fixar-se \u00fanicament en la quota mensual. Tot i que aquesta xifra \u00e9s important, representa nom\u00e9s una part de la despesa total que implica convertir-se en propietari d&#8217;un habitatge. No tenir en compte tots els costos associats pot portar-te a situacions financeres complicades o a acceptar condicions menys favorables de les que realment necessites.[\/vc_column_text]<style>.vcex-heading.vcex_6a1b7ee901d95{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee901d95\"><span class=\"vcex-heading-inner wpex-inline-block\">Per qu\u00e8 \u00e9s un error?<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]M\u00e9s enll\u00e0 de l&#8217;import que pagar\u00e0s cada mes al banc, hi ha una s\u00e8rie de despeses que moltes vegades es subestimen o es passen per alt:<br \/>\n\u2022 <strong>Despeses inicials<\/strong>: inclouen la taxaci\u00f3 de l&#8217;habitatge, els honoraris notarials, la inscripci\u00f3 al Registre de la Propietat, els impostos com l&#8217;Impost d&#8217;Actes Jur\u00eddics Documentats (IAJD), i possibles comissions d&#8217;obertura del pr\u00e9stec.<br \/>\n\u2022 <strong>Despeses recurrents<\/strong>: com l&#8217;asseguran\u00e7a de l&#8217;habitatge (habitualment obligat\u00f2ria), l&#8217;asseguran\u00e7a de vida si est\u00e0 vinculada a la hipoteca, l&#8217;Impost sobre B\u00e9ns Immobles (IBI), despeses de comunitat, manteniment de l&#8217;habitatge, etc.<br \/>\n\u2022 <strong>Coste dels productes vinculats<\/strong>: molts bancs ofereixen condicions aparentment atractives, per\u00f2 subjectes a la contractaci\u00f3 de productes addicionals com targetes, assegurances, plans de pensions o domiciliacions. Aquests productes poden suposar un cost significatiu a mig i llarg termini.<br \/>\nA m\u00e9s, si es tracta d&#8217;una hipoteca a tipus variable, \u00e9s imprescindible contemplar el risc de pujades de l&#8217;Eur\u00edbor. El que avui sembla una quota c\u00f2moda, pot encareir-se amb el pas dels anys si els tipus d&#8217;inter\u00e8s augmenten.[\/vc_column_text]<style>.vcex-heading.vcex_6a1b7ee9025a6{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee9025a6\"><span class=\"vcex-heading-inner wpex-inline-block\">Com evitar-ho?<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]La clau est\u00e0 en realitzar un estudi complet del cost total de la hipoteca, m\u00e9s enll\u00e0 de la quota mensual. Aqu\u00ed tens algunes recomanacions pr\u00e0ctiques:<br \/>\n\u2022 Utilitza simuladors hipotecaris que incloguin tots els costos associats, no nom\u00e9s la quota.<br \/>\n\u2022 Sol\u00b7licita sempre la FEIN (Fitxa Europea d&#8217;Informaci\u00f3 Normalitzada), un document que resumeix de manera clara les condicions i despeses de la hipoteca.<br \/>\n\u2022 Avalua b\u00e9 l&#8217;impacte dels productes vinculats: quant pagar\u00e0s a l&#8217;any per ells?<br \/>\n\u2022 Simula diferents escenaris: com afectaria a la teva quota una pujada de l&#8217;Eur\u00edbor de 1 o 2 punts?<br \/>\n\u2022 Calcula el cost total del pr\u00e9stec al final del termini (incloent-hi tots els costos i comissions).<br \/>\nA m\u00e9s, comptar amb l&#8217;acompanyament d&#8217;un assessor hipotecari especialitzat pot marcar la difer\u00e8ncia. A \u00c0kteon, per exemple, ajudem els nostres clients a entendre amb claredat quant els costar\u00e0 realment la seva hipoteca, estudiem totes les ofertes i evitem que signin condicions poc favorables sense ser plenament conscients del seu impacte econ\u00f2mic.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_6a1b7ee9034cb{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee9034cb\"><span class=\"vcex-heading-inner wpex-inline-block\">No comparar entre diferents entitats financeres<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Abans de prendre una decisi\u00f3 tan important com contractar una hipoteca, \u00e9s fonamental analitzar i comparar diferents opcions. No fer-ho \u00e9s un dels errors m\u00e9s freq\u00fcents i costosos entre aquells que compren el seu primer habitatge.[\/vc_column_text]<style>.vcex-heading.vcex_6a1b7ee903f13{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee903f13\"><span class=\"vcex-heading-inner wpex-inline-block\">Cada banc ofereix condicions diferents<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]No totes les hipoteques s\u00f3n iguals. Les entitats financeres poden oferir tipus d&#8217;inter\u00e8s similars, per\u00f2 variar enormement en els productes vinculats, comissions, terminis d&#8217;amortitzaci\u00f3 o requisits de solv\u00e8ncia. Acceptar la primera oferta sense revisar altres alternatives pot implicar costos ocults o condicions poc flexibles.<br \/>\nPer exemple, mentre una entitat pot oferir un tipus fix amb bonificaci\u00f3 per domiciliar la n\u00f2mina i contractar un segur, una altra pot eliminar aquestes vinculacions o millorar el tipus amb altres incentius m\u00e9s convenients per al teu perfil financer.[\/vc_column_text]<style>.vcex-heading.vcex_6a1b7ee904753{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee904753\"><span class=\"vcex-heading-inner wpex-inline-block\">Compara per negociar amb m\u00e9s for\u00e7a<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Demanar diverses ofertes no nom\u00e9s et permet identificar la m\u00e9s avantatjosa, sin\u00f3 que tamb\u00e9 et dona eines per negociar. Si un banc sap que tens altres propostes sobre la taula, \u00e9s m\u00e9s probable que millori les seves condicions per retenir-te com a client.<br \/>\nA m\u00e9s, utilitzar comparadors d&#8217;hipoteques o comptar amb el suport d&#8217;un intermediari financer especialitzat pot ajudar-te a detectar les difer\u00e8ncies rellevants entre pr\u00e9stecs que, a simple vista, semblen similars.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_6a1b7ee905549{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee905549\"><span class=\"vcex-heading-inner wpex-inline-block\">No tenir en compte tots els costos associats<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Moltes persones es concentren \u00fanicament en el preu de compra de l&#8217;immoble o en l&#8217;import de la hipoteca sol\u00b7licitada. No obstant aix\u00f2, comprar un habitatge implica assumir una s\u00e8rie de despeses addicionals que, si no es contemplen des de l&#8217;inici, poden desajustar completament el pressupost previst.[\/vc_column_text]<style>.vcex-heading.vcex_6a1b7ee905d8f{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee905d8f\"><span class=\"vcex-heading-inner wpex-inline-block\">Despeses de compravenda i impostos<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Al formalitzar la compra d&#8217;un habitatge, haur\u00e0s d&#8217;abonar costos com l&#8217;<a href=\"https:\/\/atc.gencat.cat\/ca\/tributs\/itpajd\/index.html\" target=\"_blank\" rel=\"noopener\">Impost de Transmissions Patrimonials<\/a> (ITP) o l&#8217;IVA, depenent de si l&#8217;habitatge \u00e9s de segona m\u00e0 o nova. A aix\u00f2 s&#8217;hi sumen les despeses de notaria, registre de la propietat, gestoria i taxaci\u00f3. En conjunt, aquestes despeses poden representar entre un 10% i un 13% del valor de l&#8217;habitatge, depenent de la comunitat aut\u00f2noma i del tipus d&#8217;immoble.<br \/>\nNo tenir en compte aquests imports pot portar-te a quedar-te sense liquiditat en el moment clau, o fins i tot a no poder formalitzar l&#8217;operaci\u00f3.[\/vc_column_text]<style>.vcex-heading.vcex_6a1b7ee9066b5{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee9066b5\"><span class=\"vcex-heading-inner wpex-inline-block\">Productes vinculats i costos ocults<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Algunes entitats poden oferir hipoteques amb condicions atractives a canvi de contractar productes vinculats com assegurances, targetes, plans de pensions o domiciliaci\u00f3 de rebuts. Tot i que inicialment aquests serveis poden semblar menors, en conjunt suposen un cost addicional significatiu al llarg del temps.<br \/>\n\u00c9s fonamental analitzar b\u00e9 si aquests productes s\u00f3n realment necessaris per a tu o si encareixen la teva hipoteca sense aportar un benefici real. En ocasions, una hipoteca sense vinculacions, tot i tenir un tipus d&#8217;inter\u00e8s lleugerament superior, pot resultar m\u00e9s rendible a llarg termini. Si vols saber m\u00e9s sobre aquest tema llegeix l&#8217;article: <a href=\"https:\/\/akteon.es\/ca\/hipoteca-sense-vinculacions\/\" target=\"_blank\" rel=\"noopener\">Hipoteca sense vinculacions<\/a>.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_6a1b7ee9075ca{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee9075ca\"><span class=\"vcex-heading-inner wpex-inline-block\">No comparar diferents ofertes hipotec\u00e0ries<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Abans de signar una hipoteca, \u00e9s fonamental analitzar les diferents opcions que ofereix el mercat. Conformar-se amb la primera proposta, normalment la del banc habitual, pot suposar acceptar unes condicions menys favorables de les que podries aconseguir amb una mica m\u00e9s d&#8217;investigaci\u00f3.[\/vc_column_text]<style>.vcex-heading.vcex_6a1b7ee907e39{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee907e39\"><span class=\"vcex-heading-inner wpex-inline-block\">Recolzar-se en experts pot marcar la difer\u00e8ncia<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]No sempre \u00e9s f\u00e0cil entendre les condicions hipotec\u00e0ries i valorar quina \u00e9s la millor opci\u00f3 per al teu perfil financer. En aquest punt, comptar amb un intermediari especialitzat pot ajudar-te a accedir a condicions m\u00e9s competitives, evitant errors i estalviant temps.<br \/>\nEls professionals poden negociar directament amb diferents entitats, analitzar la teva situaci\u00f3 financera i presentar-te propostes adaptades a les teves necessitats reals. Aix\u00f2 augmenta les possibilitats d&#8217;\u00e8xit i millora les condicions finals de la hipoteca.[\/vc_column_text]<style>.vcex-heading.vcex_6a1b7ee90868f{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_6a1b7ee90868f\"><span class=\"vcex-heading-inner wpex-inline-block\">Una hipoteca \u00e9s m\u00e9s que una firma<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Demanar una hipoteca no hauria de ser una decisi\u00f3 impulsiva ni guiada nom\u00e9s pel que diu una entitat financera. Requereix an\u00e0lisi, estrat\u00e8gia i, sobretot, informaci\u00f3 clara i objectiva. Evitar aquests errors et permetr\u00e0 no nom\u00e9s estalviar milers d&#8217;euros, sin\u00f3 tamb\u00e9 gaudir de la teva vivenda amb tranquil\u00b7litat.<br \/>\nSi est\u00e0s valorant comprar un habitatge i necessites ajuda amb la hipoteca, no ho facis sol. L&#8217;equip d&#8217;\u00c0kteon est\u00e0 aqu\u00ed per acompanyar-te pas a pas. Contacta amb nosaltres i t&#8217;ajudarem a trobar la millor soluci\u00f3 segons el teu perfil i els teus objectius.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div>[\/vc_column][\/vc_row][\/vc_section]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_section][vc_row][vc_column][vc_column_text css=&#8221;&#8221; font_size=&#8221;15px&#8221;]Demanar una hipoteca \u00e9s una de les decisions financeres m\u00e9s importants de la vida. No obstant aix\u00f2, moltes persones cometent errors que es podrien evitar amb una mica m\u00e9s d&#8217;informaci\u00f3, an\u00e0lisi i acompanyament professional. En aquest article t&#8217;expliquem els 5 errors m\u00e9s freq\u00fcents en demanar una hipoteca, com poden afectar a la teva&hellip;<\/p>\n","protected":false},"author":1,"featured_media":12346,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[34,36],"tags":[],"post_series":[],"class_list":["post-12333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hipoteques","category-noticia-destacada-ca","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Demanar una Hipoteca: 5 errors comuns a evitar - \u00c0kteon<\/title>\n<meta name=\"description\" content=\"Descobreix els 5 error m\u00e9s comuns a l&#039;hora de demanar una hipoteca. A \u00c0kteon t&#039;ajudem en tot el proc\u00e9s i t&#039;ho posem f\u00e0cil. 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