{"id":7958,"date":"2025-05-16T08:50:05","date_gmt":"2025-05-16T08:50:05","guid":{"rendered":"https:\/\/akteon.es\/?p=7958"},"modified":"2026-03-06T08:29:40","modified_gmt":"2026-03-06T08:29:40","slug":"comprar-una-vivenda-sense-estalvis","status":"publish","type":"post","link":"https:\/\/akteon.es\/ca\/comprar-una-vivenda-sense-estalvis\/","title":{"rendered":"\u00c9s possible comprar una vivenda sense estalvis?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_section][vc_row][vc_column][vc_column_text css=&#8221;&#8221; font_size=&#8221;15px&#8221;]Durant anys, la idea que era imprescindible tenir almenys un 20% del preu de l\u2019habitatge estalviat ha frenat molts compradors potencials. I tot i que aquesta regla segueix sent una refer\u00e8ncia per a la majoria dels bancs, la realitat del mercat ha evolucionat. El 2025, comprar habitatge sense estalvis ja no \u00e9s una utopia, sin\u00f3 una possibilitat que, sota certes condicions, es pot negociar.<\/p>\n<p>En aquest article t\u2019expliquem com \u00e9s possible accedir a una hipoteca sense estalvis, quines alternatives existeixen i qu\u00e8 has de tenir en compte si est\u00e0s plantejant-te comprar la teva primera vivenda sense tenir un coix\u00ed 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_69e06c2f4dd61{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_69e06c2f4dd61\"><span class=\"vcex-heading-inner wpex-inline-block\">La barrera invisible: l\u2019estalvi inicial<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Per entendre per qu\u00e8 aquesta pregunta \u00e9s tan freq\u00fcent, cal comen\u00e7ar pel punt de partida de qualsevol compra immobili\u00e0ria: el desembors inicial. En una hipoteca tradicional, el banc finan\u00e7a fins al 80% del valor de l\u2019habitatge (o de taxaci\u00f3, si \u00e9s inferior), cosa que significa que el comprador ha d\u2019aportar de la seva butxaca el 20% restant m\u00e9s les despeses associades (impostos, notaria, registre, gestoria&#8230;).<br \/>\nAix\u00f2 suposa f\u00e0cilment entre un 30% i un 35% del total del preu de compra. Per exemple, per a un habitatge de 180.000 \u20ac, estar\u00edem parlant entre 54.000 i 63.000 \u20ac en despeses inicials. No \u00e9s d\u2019estranyar que moltes persones es preguntin si hi ha alternatives.<br \/>\nPer saber m\u00e9s sobre les despeses d\u2019una hipoteca pots llegir l\u2019article seg\u00fcent: \u201c<a href=\"https:\/\/akteon.es\/ca\/despeses-associades-a-una-hipoteca-com-afecten\/\">Despeses associades a una hipoteca: Com afecten?<\/a>\u201d[\/vc_column_text]<style>.vcex-heading.vcex_69e06c2f4e738{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_69e06c2f4e738\"><span class=\"vcex-heading-inner wpex-inline-block\">\u00c9s realment possible comprar un habitatge sense tenir estalvis?<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]S\u00ed, \u00e9s possible. No \u00e9s l\u2019habitual ni el m\u00e9s f\u00e0cil, per\u00f2 cada vegada existeixen m\u00e9s vies per fer-ho. La clau est\u00e0 a identificar les opcions disponibles, saber negociar i comptar amb l\u2019acompanyament adequat.<\/p>\n<p>Aquestes s\u00f3n les principals formes de comprar un habitatge sense estalvis:[\/vc_column_text]<style>.vcex-heading.vcex_69e06c2f4edbc{color:var(--wpex-accent);font-size:26px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e06c2f4edbc\"><span class=\"vcex-heading-inner wpex-inline-block\">1. Negociar una hipoteca al 100% del valor de compravenda<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Tot i que no ho comuniquin a la seva web o en les seves promocions, algunes entitats s\u00ed que estan disposades a finan\u00e7ar el 100% del valor de compravenda, especialment si el perfil del comprador \u00e9s s\u00f2lid (contracte fix, ingressos estables, baixa deuda, historial impecable). Realment hi ha moltes circumst\u00e0ncies que es poden estudiar.<br \/>\nA m\u00e9s, si el valor de taxaci\u00f3 \u00e9s superior al preu de compravenda, existeix un marge de maniobra encara m\u00e9s gran. Per exemple, si compres un habitatge per 150.000 \u20ac i el taxador el valora en 180.000 \u20ac, \u00e9s m\u00e9s probable que el banc et financi el total de l\u2019operaci\u00f3, i fins i tot part de les despeses.<\/p>\n<p>En aquest sentit, treballar amb un intermediari financer que tingui acc\u00e9s total a la informaci\u00f3 dels productes bancaris en cada moment i que pugui negociar la teva hipoteca per aconseguir la millor opci\u00f3 per a tu, t\u2019ajudar\u00e0 a aconseguir l\u2019objectiu de forma m\u00e9s f\u00e0cil i r\u00e0pida.[\/vc_column_text]<style>.vcex-heading.vcex_69e06c2f4f471{color:var(--wpex-accent);font-size:26px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e06c2f4f471\"><span class=\"vcex-heading-inner wpex-inline-block\">2. Aprofitar els avals de l\u2019Estat (l\u00ednia ICO)<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Des del 2024, el Govern ha llan\u00e7at la <a href=\"https:\/\/www.ico.es\/ca\/avales-ico-para-la-compra-de-mi-primera-vivienda\">L\u00ednia ICO d\u2019avals<\/a> per facilitar la compra de primera vivenda a joves (menors de 35 anys) i fam\u00edlies amb menors a c\u00e0rrec. Aquesta mesura permet cobrir fins al 20% del pr\u00e9stec hipotecari amb aval p\u00fablic, cosa que a la pr\u00e0ctica elimina la necessitat d\u2019aportar estalvis previs.<br \/>\nRequisits clau:<br \/>\n\u2022 Menor de 35 anys o amb fills menors.<br \/>\n\u2022 No disposar d\u2019un altre habitatge en propietat.<br \/>\n\u2022 Ingressos individuals inferiors a 4,5 vegades l\u2019IPREM (uns 38.000 \u20ac\/any).<br \/>\n\u2022 L\u2019habitatge ha de ser per a \u00fas habitual.<br \/>\nAquest programa, gestionat per bancs adherits, suposa una oportunitat real per a qui t\u00e9 ingressos per\u00f2 no ha pogut estalviar prou.[\/vc_column_text]<style>.vcex-heading.vcex_69e06c2f4fac9{color:var(--wpex-accent);font-size:26px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e06c2f4fac9\"><span class=\"vcex-heading-inner wpex-inline-block\">3. Hipoteca amb aval familiar<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Una altra opci\u00f3 viable \u00e9s comptar amb un avalista privat. El banc analitza el perfil de l\u2019avalista com si fos el del sol\u00b7licitant principal: ingressos, patrimoni, capacitat d\u2019assumir el deute en cas d\u2019impagament. L\u2019objectiu \u00e9s observar la solv\u00e8ncia de l\u2019operaci\u00f3.<br \/>\nTamb\u00e9 existeixen f\u00f3rmules com la hipoteca amb doble garantia, on el familiar posa com a suport una propietat lliure de c\u00e0rregues.<br \/>\nTot i que aquesta opci\u00f3 requereix que alg\u00fa de l\u2019entorn tingui estabilitat financera, segueix sent una de les vies m\u00e9s utilitzades perqu\u00e8 els joves accedeixin a la seva primera vivenda sense estalvis. Per\u00f2 compte, no deixis de valorar altres opcions que et puguin resultar m\u00e9s interessants.[\/vc_column_text]<style>.vcex-heading.vcex_69e06c2f50145{color:var(--wpex-accent);font-size:26px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e06c2f50145\"><span class=\"vcex-heading-inner wpex-inline-block\">4. Comprar un habitatge amb preu inferior al valor de taxaci\u00f3<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]El mercat de segona m\u00e0, especialment fora de les grans capitals, ofereix habitatges amb preus per sota del valor de taxaci\u00f3 oficial. Aix\u00f2 genera una oportunitat: si compres per 120.000 \u20ac un habitatge taxat en 150.000 \u20ac, el banc pot considerar que ja comptes amb un \u201ccoix\u00ed\u201d i assumir m\u00e9s del 80%.<br \/>\nNo \u00e9s r\u00e0pid ni f\u00e0cil, per\u00f2 amb una bona an\u00e0lisi i presentaci\u00f3 del cas, algunes entitats podrien concedir fins al 100% de la compravenda.[\/vc_column_text]<style>.vcex-heading.vcex_69e06c2f50828{color:var(--wpex-accent);font-size:26px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e06c2f50828\"><span class=\"vcex-heading-inner wpex-inline-block\">5. Comptar amb assessorament especialitzat<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Les possibilitats augmenten si no vas sol. Un intermediari financer professional no nom\u00e9s compara condicions, sin\u00f3 que coneix a fons el comportament dels bancs i com negociar amb cadascun.<br \/>\nA \u00c0kteon, per exemple, treballem amb m\u00faltiples entitats per aconseguir hipoteques al 100%, ajustades al perfil de cada client, fins i tot si no tenen estalvis previs. A m\u00e9s, acompanyem en tot el proc\u00e9s i detectem oportunitats al mercat que no estan a la vista.[\/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-start:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e06c2f5137d{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_69e06c2f5137d\"><span class=\"vcex-heading-inner wpex-inline-block\">Qu\u00e8 tenir en compte si compres un habitatge sense estalvis<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Comprar sense estalvi previ \u00e9s possible, per\u00f2 no implica que sigui una decisi\u00f3 que s\u2019hagi de prendre a la lleugera. Requereix planificaci\u00f3, comprom\u00eds i una avaluaci\u00f3 molt realista de la teva situaci\u00f3 financera.<br \/>\nAbans de llen\u00e7ar-te:<br \/>\n\u2022 Calcula la teva capacitat d\u2019endeutament real.<br \/>\n\u2022 Tingues en compte que pagar\u00e0s una quota m\u00e9s alta en finan\u00e7ar el 100%.<br \/>\n\u2022 Prepara\u2019t per assumir m\u00e9s requisits o productes vinculats.<br \/>\n\u2022 No subestimis les despeses inicials (mudan\u00e7a, mobiliari, imprevistos&#8230;).<br \/>\n\u2022 Assegura\u2019t de tenir estabilitat laboral i previsi\u00f3 d\u2019ingressos a mitj\u00e0 termini.[\/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-start:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e06c2f51e15{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_69e06c2f51e15\"><span class=\"vcex-heading-inner wpex-inline-block\">Preguntes freq\u00fcents sobre comprar habitatge sense estalvis<\/span><\/h2><style>.vcex-heading.vcex_69e06c2f5246b{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_69e06c2f5246b\"><span class=\"vcex-heading-inner wpex-inline-block\">\u00c9s m\u00e9s car comprar sense estalvis?<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]S\u00ed, a llarg termini pot sortir m\u00e9s car. En finan\u00e7ar el 100%, els interessos totals s\u00f3n m\u00e9s alts. Per\u00f2 tamb\u00e9 \u00e9s cert que permet accedir abans a un habitatge, i en un mercat inflacionari, aix\u00f2 pot compensar.[\/vc_column_text]<style>.vcex-heading.vcex_69e06c2f52afb{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_69e06c2f52afb\"><span class=\"vcex-heading-inner wpex-inline-block\">Es pot incloure l\u2019ITP i les despeses de compravenda a la hipoteca?<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Alguns bancs ho permeten, especialment si el valor de taxaci\u00f3 ho justifica. Aix\u00f2 s\u2019ha de negociar cas per cas.[\/vc_column_text]<style>.vcex-heading.vcex_69e06c2f53167{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_69e06c2f53167\"><span class=\"vcex-heading-inner wpex-inline-block\">Una parella amb ingressos mitjans pot optar a aquesta opci\u00f3?<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]S\u00ed, si ambd\u00f3s tenen contracte indefinit, ingressos estables i poca deute acumulada, tenen m\u00e9s possibilitats que els aprovin una hipoteca al 100%. Per\u00f2 el millor \u00e9s que un professional estudi\u00ef el cas concret per poder assegurar l\u2019operaci\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-start:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e06c2f53bbf{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_69e06c2f53bbf\"><span class=\"vcex-heading-inner wpex-inline-block\">Per tant, comprar un habitatge sense estalvis s\u00ed \u00e9s possible en alguns casos<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Com b\u00e9 sabem, l\u2019acc\u00e9s a l\u2019habitatge est\u00e0 canviant de forma cont\u00ednua. Tot i que l\u2019estalvi segueix sent totalment recomanable, no \u00e9s una condici\u00f3 imprescindible per accedir a una hipoteca si comptes amb un bon perfil, assessorament professional i saps presentar el teu cas correctament. L\u2019oferta i els productes actuals permeten trencar la barrera d\u2019entrada al mercat immobiliari, fins i tot per a qui no ha pogut estalviar per la circumst\u00e0ncia que sigui.<\/p>\n<p>A \u00c0kteon, treballem cada dia perqu\u00e8 perfils solvents puguin aconseguir una hipoteca sense necessitat de grans estalvis previs. Si est\u00e0s valorant aquesta opci\u00f3, t\u2019ajudem a estudiar el teu cas i trobar la millor soluci\u00f3 disponible al mercat.[\/vc_column_text][\/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;]Durant anys, la idea que era imprescindible tenir almenys un 20% del preu de l\u2019habitatge estalviat ha frenat molts compradors potencials. I tot i que aquesta regla segueix sent una refer\u00e8ncia per a la majoria dels bancs, la realitat del mercat ha evolucionat. El 2025, comprar habitatge sense estalvis ja no \u00e9s una&hellip;<\/p>\n","protected":false},"author":1,"featured_media":7969,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[34,36],"tags":[],"post_series":[],"class_list":["post-7958","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>\u00c9s possible comprar una vivenda sense estalvis? - \u00c0kteon<\/title>\n<meta name=\"description\" content=\"Vols comprar una vivenda sense estalvis previs? Descubreis com aconseguir una hipoteca 100%. A \u00c0kteon t&#039;ajudem. 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