Private-to-private lending

When we need to find financing, the first thing we think of is asking the bank for money. But there are other ways to get a loan. Often, due to a lack of knowledge, we do not use one of the tools that is closest to us: loans between individuals.

 

If the interest that the bank wants to charge you for a loan seems excessive, and you have already ruled out finance companies because, despite being faster, they are more expensive, there is another option: loans between individuals.

This form of community finance can be a good way for both the lender and the borrower to gain something. On the one hand, the lender gets a return for his money; on the other hand, the borrower gets an interest rate below the market rate.

A written contract is the key to avoid misunderstandings

The best way to avoid misunderstandings is to put the agreement in writing. In this private contract between the lender and the borrower, it is very important to put on record:

  • Date and place of the signing of the contract. 
  • Personal details of the parties involved (lender and borrower).
  • The amount being lent.
  • The repayment period. 
  • The interest on the loan.
  • The settlement of the instalments (monthly, quarterly, annual, at maturity…).

Once the contract between the lender and the borrower has been signed, the agreement must be registered and, therefore, the borrower must pay the ITP tax (Impost sobre Transmissions Patrimonials i Actes Jurídics Documentats) at the tax office of the Tax Agency of Catalonia, by filing form 600 within a maximum period of one month. If the loan is between a parent and a child or between two friends, no tax is payable, because loans between private individuals are taxable transactions, but exempt from taxation.

Although the lender does not have to pay this tax, the Personal Income Tax Act does state that, when a loan has been agreed between private individuals, the lender can be obliged to declare the interest. The legal interest rate is 3%. However,  when both parties agree, it is possible that this interest rate does not apply and therefore the lender does not have to pay tax on it. In the end, everything is left within the community.

 

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  1. Víctor Feliu i TeruelVíctor Feliu i Teruel says:
    Víctor

    Hola, teniu intenció de crear un matketplace de crowdlending (estil mintos/crowdestor/etc)?

    • AlbertAlbert Chic Giménez says:
      Albert

      Hola, Víctor. Venen molts productes i serveis financers a 11Onze, que anirem anunciant progressivament. No deixis d’estar atent a la informació que anem publicant aquí i gràcies per ser-hi!

      1 month ago
  2. Jordi FerréJordi Ferré says:
    Jordi

    Jo al.lucino amb 11Onze. Es suposa que sou un banc i el que us ha d’interessar es fer prestecs.

    • Jordi OllerJordi Oller says:
      Jordi

      Gràcies, Jordi, el nostre interès és donar a conèixer totes les eines que hom pot tenir al seu abast per aconseguir allò que necessiti i el préstec entre particulars, és una bona eina. Ens trobem a La Plaça.

      1 month ago
  3. Anna TarrésAnna Tarrés says:
    Anna

    És una opció interessant.

  4. Ángel Antonio Olea lombillaÁngel Antonio Olea lombilla says:
    Ángel Antonio

    👍

  5. Jordi González ViñasJordi González Viñas says:
    Jordi

    Molt ben explicat !

  6. Joan BringuesJoan Bringues says:
    Joan

    I qui avalua el risc de l’operació? És pot demanar garantia hipotecària?

    • Jordi OllerJordi Oller says:
      Jordi

      Hola Joan. El risc l’avalues tu mateix, normalment aquests préstecs es fan entre familiars o amics… En el clausulat si hom vol pot posar-hi aquestes garanties ho pot fer, i llavors caldrà annexar-les al préstec i presentar tota la documentació a l’Agència Catalana Tributària. Altra cosa, son els préstecs P2P que es poden trobar a les plataformes, on l’avaluació del risc el fa una IA. Gràcies per comentar. Ens trobem a La Plaça.

      1 month ago
  7. Lluís UrpíLluís Urpí says:
    Lluís

    Cert, al 2014 vaig usar aquest sistema per comprar-ne un pis. Ho estic tornant còmodament als meus pares, ens ajudem i tots contents.

    • Lara de CastroLara de Castro says:
      Lara

      Això és fantàstic Lluís! Gràcies per compartir-ho amb nosaltres 🙂

      1 month ago
  8. Manel EnricManel Enric says:
    Manel

    El model de contracte es podrà descarregar des de la plaça? Cal la.verificació d’un tercer?

  9. Joan Santacruz CarlúsJoan Santacruz Carlús says:
  10. David MateosDavid Mateos says:
    David

    La veritat es que no tenim per costum aquest tipus de préstec, però son mes que interessants. Gràcies

    • Jordi OllerJordi Oller says:
      Jordi

      Certament David, és una molt bona oportunitat per obtenir finançament. Gràcies, ens trobem a La Plaça.

      1 month ago
  11. Francesc Estafanell PujolFrancesc Estafanell Pujol says:
    Francesc

    Situació molt possible i deixa clar com fer les coses bé.. Desconeixia totalment aquesta possibilitat. Gràcies per la informació. Cada cop em crida més “La Plaça”

    • Sergi Colell VázquezSergi Colell Vázquez says:
      Sergi

      Moltes gràcies, Francesc, la plaça ens pot resultar molt útil a tots!!!

      1 month ago
  12. Josep RuaixJosep Ruaix says:
    Josep

    Entenedor 👍

  13. Laura CarlúsLaura Carlús says:
  14. EduMC

    La prestadora tindrá un petit benefici i cobertura i la prestatària uns cales a baix cost…..Molt interessant Jordi, Merci!

    • Jordi OllerJordi Oller says:
      Jordi

      Gràcies a tu Edu per comentar. Si és el camí més ràpid per obtenir un bon préstec.

      1 month ago
  15. alicia Coiduras Charlesalicia Coiduras Charles says:
    alicia

    Em sembla molt bona idea però entenc que ha de ser entre persones que tenen molta i molta confiança

    • Jordi CollJordi Coll says:
      Jordi

      Se signa un contracte entre particulars i el no compliment del contracte es pot denunciar al davant de la justícia…, però no necessàriament s’ha d’arribar a aquest últim punt… Gràcies pel teu comentari, Alícia.

      1 month ago

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