{"id":19937,"date":"2026-01-19T16:01:38","date_gmt":"2026-01-19T16:01:38","guid":{"rendered":"https:\/\/akteon.es\/?p=19937"},"modified":"2026-03-06T08:20:40","modified_gmt":"2026-03-06T08:20:40","slug":"hipoteca-sense-entrada-com-aconseguir-la","status":"publish","type":"post","link":"https:\/\/akteon.es\/ca\/hipoteca-sense-entrada-com-aconseguir-la\/","title":{"rendered":"Hipoteca sense entrada: Com aconseguir-la"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_section][vc_row][vc_column][vc_column_text css=&#8221;&#8221; font_size=&#8221;15px&#8221;]Una <strong>hipoteca sense entrada<\/strong> \u00e9s un pr\u00e9stec que permet finan\u00e7ar la totalitat del preu de compra de l\u2019habitatge, eliminant la necessitat d\u2019aportar un estalvi inicial. En la pr\u00e0ctica, aix\u00f2 significa que no cal desemborsar el 20% habitual ni comptar amb liquiditat per cobrir despeses com notaria, registre o impostos, encara que en alguns casos aquests s\u00ed s\u2019inclouen dins del pr\u00e9stec.<\/p>\n<p>Aquest tipus d\u2019hipoteca sol estar destinat a perfils amb solv\u00e8ncia demostrable i estabilitat financera, ja que el banc assumeix un risc m\u00e9s gran. Per aix\u00f2, l\u2019acc\u00e9s a aquestes operacions est\u00e0 limitat i requereix complir requisits estrictes pel que fa a ingressos, historial creditici i, en ocasions, garanties addicionals.<\/p>\n<p>En molts casos, els bancs combinen la hipoteca sense entrada amb productes vinculats o avals per reduir el risc i garantir que el pr\u00e9stec sigui viable. Aquesta combinaci\u00f3 permet que persones amb capacitat de pagament per\u00f2 sense estalvi previ puguin accedir al seu primer habitatge o a un immoble d\u2019inversi\u00f3.[\/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_69e75bbb5fe2f{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_69e75bbb5fe2f\"><span class=\"vcex-heading-inner wpex-inline-block\">Tipus d\u2019hipoteques sense entrada<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Hi ha diverses modalitats que permeten finan\u00e7ar el 100% del preu de compra:[\/vc_column_text]<style>.vcex-heading.vcex_69e75bbb60eb6{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_69e75bbb60eb6\"><span class=\"vcex-heading-inner wpex-inline-block\">Hipoteques amb aval p\u00fablic<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Algunes entitats apliquen avals estatals o auton\u00f2mics que permeten cobrir part del pr\u00e9stec que normalment exigiria estalvi. Un exemple \u00e9s la <a href=\"https:\/\/www.ico.es\/ca\/linea-avales-hipoteca-primera-vivienda\"><strong>L\u00ednia ICO d\u2019avals<\/strong><\/a>, destinada a joves menors de 35 anys o fam\u00edlies amb fills a c\u00e0rrec. Aquest aval cobreix fins al 20% del pr\u00e9stec hipotecari i, en la pr\u00e0ctica, elimina la necessitat d\u2019un estalvi previ significatiu.[\/vc_column_text]<style>.vcex-heading.vcex_69e75bbb61924{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_69e75bbb61924\"><span class=\"vcex-heading-inner wpex-inline-block\">Hipoteques amb aval privat<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Una altra opci\u00f3 consisteix a comptar amb un avalador familiar o personal. La solv\u00e8ncia de l\u2019avalador s\u2019analitza igual que la del sol\u00b7licitant principal, avaluant ingressos, patrimoni i capacitat d\u2019assumir el deute. Aquesta alternativa pot ser clau quan el sol\u00b7licitant no disposa d\u2019estalvis suficients o t\u00e9 un perfil financer limitat.[\/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_69e75bbb62b25{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_69e75bbb62b25\"><span class=\"vcex-heading-inner wpex-inline-block\">Requisits habituals per accedir a una hipoteca sense entrada<\/span><\/h2><style>.vcex-heading.vcex_69e75bbb63598{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_69e75bbb63598\"><span class=\"vcex-heading-inner wpex-inline-block\">Perfil financer s\u00f2lid<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Ingressos estables, contracte indefinit o antiguitat m\u00ednima, i un nivell d\u2019endeutament baix (idealment inferior al 30-35% dels ingressos nets mensuals). Aix\u00f2 demostra al banc que pots afrontar la quota mensual sense comprometre la teva economia.[\/vc_column_text]<style>.vcex-heading.vcex_69e75bbb63fd9{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_69e75bbb63fd9\"><span class=\"vcex-heading-inner wpex-inline-block\">Historial creditici net<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]No haver tingut impagaments, deutes elevades o registres en fitxers de morositat \u00e9s fonamental. Un bon historial augmenta les possibilitats d\u2019accedir a l\u2019operaci\u00f3 i, en molts casos, permet negociar millors condicions.[\/vc_column_text]<style>.vcex-heading.vcex_69e75bbb64a38{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_69e75bbb64a38\"><span class=\"vcex-heading-inner wpex-inline-block\">Garanties addicionals<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Avals privats o p\u00fablics, hipoteques sobre una altra propietat o assegurances vinculades s\u00f3n eines que redueixen el risc del banc i faciliten l\u2019aprovaci\u00f3. Com m\u00e9s s\u00f2lida sigui la garantia, m\u00e9s probable \u00e9s obtenir finan\u00e7ament complet.[\/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_69e75bbb65a9a{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_69e75bbb65a9a\"><span class=\"vcex-heading-inner wpex-inline-block\">Avantatges d\u2019una hipoteca sense entrada<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]\n<ul>\n<li><strong>Acc\u00e9s immediat a l\u2019habitatge:<\/strong> Permet adquirir un immoble sense esperar anys a estalviar el 20%.<\/li>\n<li><strong>Flexibilitat financera:<\/strong> Mantens liquiditat per a altres despeses, com mobles, reformes o imprevistos.<\/li>\n<li><strong>Ideal per a joves i fam\u00edlies:<\/strong> Facilita l\u2019emancipaci\u00f3 i l\u2019acc\u00e9s a l\u2019habitatge en etapes inicials de la vida laboral.<\/li>\n<li><strong>Oportunitat en mercats a l\u2019al\u00e7a:<\/strong> En contextos d\u2019augment de preus, permet entrar al mercat sense retards per manca d\u2019estalvi.<\/li>\n<\/ul>\n[\/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_69e75bbb66bd9{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_69e75bbb66bd9\"><span class=\"vcex-heading-inner wpex-inline-block\">Riscos i consideracions de les hipoteques 100%<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]\n<ul>\n<li><strong>Quotes m\u00e9s altes:<\/strong> En finan\u00e7ar el 100%, l\u2019import mensual ser\u00e0 m\u00e9s gran que en una hipoteca tradicional.<\/li>\n<li><strong>Cost total del pr\u00e9stec:<\/strong> Els interessos acumulats al llarg del temps s\u00f3n m\u00e9s elevats.<\/li>\n<li><strong>Exig\u00e8ncia de productes vinculats:<\/strong> Assegurances, domiciliacions i plans de pensions poden ser obligatoris.<\/li>\n<li><strong>Major risc financer:<\/strong> Si canvien els ingressos, la quota pot resultar dif\u00edcil d\u2019assumir.<\/li>\n<\/ul>\n[\/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_69e75bbb67cca{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_69e75bbb67cca\"><span class=\"vcex-heading-inner wpex-inline-block\">Estrat\u00e8gies per maximitzar les teves possibilitats<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]\n<ul>\n<li>Compara ofertes de diferents bancs i plataformes.<\/li>\n<li>Analitza la combinaci\u00f3 d\u2019avals p\u00fablics o familiars.<\/li>\n<li>Avalua la capacitat d\u2019endeutament i realitza simulacions reals de quota.<\/li>\n<li>Utilitza <a href=\"https:\/\/akteon.es\/ca\/\">intermediaris especialitzats<\/a> que negoci\u00efn condicions adaptades al perfil financer del sol\u00b7licitant.<\/li>\n<\/ul>\n[\/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_69e75bbb68e32{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_69e75bbb68e32\"><span class=\"vcex-heading-inner wpex-inline-block\">Aspectes addicionals a considerar<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]\n<ul>\n<li>Avalua l\u2019evoluci\u00f3 del mercat i la variaci\u00f3 dels tipus d\u2019inter\u00e8s.<\/li>\n<li>Revisa cl\u00e0usules d\u2019amortitzaci\u00f3 anticipada.<\/li>\n<li>Confirma totes les despeses addicionals: notaria, registre, <a href=\"https:\/\/akteon.es\/ca\/taxacio-dun-habitatge\/\" target=\"_blank\" rel=\"noopener\">taxaci\u00f3<\/a>, impostos.<\/li>\n<li>Planifica la liquiditat futura per evitar sobreendeutament.<\/li>\n<\/ul>\n[\/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_69e75bbb69ea6{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_69e75bbb69ea6\"><span class=\"vcex-heading-inner wpex-inline-block\">Preguntes freq\u00fcents sobre la hipotecas sense entrada<\/span><\/h2><style>.vcex-heading.vcex_69e75bbb6a876{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_69e75bbb6a876\"><span class=\"vcex-heading-inner wpex-inline-block\">Qui pot accedir a una hipoteca sense entrada?<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Generalment, joves menors de 35-40 anys, fam\u00edlies amb ingressos estables i persones amb avals addicionals.[\/vc_column_text]<style>.vcex-heading.vcex_69e75bbb6b275{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_69e75bbb6b275\"><span class=\"vcex-heading-inner wpex-inline-block\">Es poden incloure impostos i despeses en la hipoteca?<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]S\u00ed, en alguns casos els bancs permeten que el finan\u00e7ament cobreixi els impostos i les despeses associades a la compra.[\/vc_column_text]<style>.vcex-heading.vcex_69e75bbb6bbea{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_69e75bbb6bbea\"><span class=\"vcex-heading-inner wpex-inline-block\">Sempre conv\u00e9 una hipoteca sense entrada?<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Dep\u00e8n del perfil financer, la capacitat de pagament i la situaci\u00f3 del mercat. \u00c9s important analitzar riscos i avantatges abans de sol\u00b7licitar-la.[\/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;]Una hipoteca sense entrada \u00e9s un pr\u00e9stec que permet finan\u00e7ar la totalitat del preu de compra de l\u2019habitatge, eliminant la necessitat d\u2019aportar un estalvi inicial. En la pr\u00e0ctica, aix\u00f2 significa que no cal desemborsar el 20% habitual ni comptar amb liquiditat per cobrir despeses com notaria, registre o impostos, encara que en alguns&hellip;<\/p>\n","protected":false},"author":1,"featured_media":19949,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[34,36],"tags":[],"post_series":[],"class_list":["post-19937","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>Hipoteca sense entrada: Com aconseguir-la - \u00c0kteon<\/title>\n<meta name=\"description\" content=\"T&#039;expliquem com aconseguir una hipoteca sense entrada. 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