{"id":16509,"date":"2021-09-16T21:00:00","date_gmt":"2021-09-16T19:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=16509"},"modified":"2021-10-14T11:46:18","modified_gmt":"2021-10-14T09:46:18","slug":"prestamos-particulares","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/es\/magazine\/prestamos-particulares\/","title":{"rendered":"Pr\u00e9stamos entre particulares"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>Cuando necesitamos encontrar financiaci\u00f3n, lo primero que pensamos es en pedir dinero al banco. Pero hay otras formas de conseguir un pr\u00e9stamo. Muchas veces por desconocimiento no usamos una de las herramientas m\u00e1s cercanas: el pr\u00e9stamo entre particulares.<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Si el inter\u00e9s que te quiere cobrar el banco por un pr\u00e9stamo te parece excesivo, y ya has descartado las financieras, porque, a pesar de ser m\u00e1s r\u00e1pidas, son a\u00fan m\u00e1s caras, hay otra opci\u00f3n: los pr\u00e9stamos entre particulares.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Esta <\/span><b>f\u00f3rmula de financiaci\u00f3n comunitaria<\/b><span style=\"font-weight: 400;\"> puede ser una buena manera de que ambas personas, tanto la prestadora como la prestataria, ganen algo. Por una parte, la prestadora obtiene una rentabilidad por su dinero; y, por la otra, la prestataria consigue un tipo de inter\u00e9s inferior al de mercado. <\/span><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component gallery\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-lg-10 offset-lg-1\">\n        <div id=\"slider\" class=\"carousel slide\">\n          <div class=\"carousel-inner\">\n            <div class=\"carousel-item active video-player inline-player\" data-video-id=\"6261387290001\">\n              <img decoding=\"async\" class=\"d-block w-100\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/08\/THUMBNAIL_JORDI_OLLER-TOPIC4.png\" alt=\"\">\n              <button type=\"button\" class=\"play\"><\/button>\n              <div class=\"carousel-caption\">\n                <p>El agente\u00a011Onze\u00a0Jordi Oller nos explica\u00a0como\u00a0pedir\u00a0un\u00a0pr\u00e9stamo\u00a0privado.<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>El contrato por escrito, clave para evitar malentendidos<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">La mejor forma de evitar malentendidos es dejar constancia del acuerdo por escrito. En este contrato privado entre quien presta dinero y quien lo recibe es important\u00edsimo que consten:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La fecha y lugar de la firma del contrato.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Los datos personales de las partes implicadas (prestadora y prestataria).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">El importe que se deja.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">El plazo de devoluci\u00f3n.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Los intereses del cr\u00e9dito.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La liquidaci\u00f3n de las cuotas (mensuales, trimestrales, anuales, al vencimiento\u2026).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Una vez firmado el contrato entre la prestadora y la prestataria, es necesario que el acuerdo quede registrado y, por eso, la prestataria deber\u00e1 pagar el Impuesto sobre las Transmisiones Patrimoniales y Actos Jur\u00eddicos Documentados (ITP), en la oficina liquidadora de la <\/span><b>Agencia Tributaria de Catalunya,<\/b><span style=\"font-weight: 400;\"> mediante la presentaci\u00f3n del formulario 600 en el plazo m\u00e1ximo de un mes. Si el cr\u00e9dito es entre un padre y un hijo o entre dos amigos, no se deber\u00e1n pagar impuestos, porque los <\/span><a href=\"https:\/\/atc.gencat.cat\/ca\/tributs\/itpajd\/tpo\/tramit-prestec-familiar\/\"><span style=\"font-weight: 400;\">pr\u00e9stamos entre particulares<\/span><\/a><span style=\"font-weight: 400;\"> son operaciones sujetas al impuesto, pero exentas de tributaci\u00f3n.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A pesar de que la prestadora no se debe hacer cargo de pagar dicho impuesto, la Ley del Impuesto sobre la Renta de las Personas F\u00edsicas s\u00ed recoge que, cuando se ha acordado un pr\u00e9stamo entre particulares, se puede obligar al prestador a declarar los intereses. El inter\u00e9s legal es del 3%. Ahora bien, cabe la posibilidad que, si ambas partes lo acuerdan, no se aplique este tipo de inter\u00e9s y, por tanto, la prestadora no deba tributar por ello. Al final, todo queda en la comunidad.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>\u00bfQuieres una cuenta de 11Onze? Pide tanda en <\/b><a href=\"https:\/\/www.11onze.cat\/es\/ja-som-aqui\/\"><b>Haz Cola<\/b><\/a><b>. Con el c\u00f3digo que te daremos, podr\u00e1s abrir una cuenta el 1 de octubre.<\/b><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component cards\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-xl-8 offset-xl-2\">\n        <h1>Si te ha gustado este art\u00edculo, te recomendamos:<\/h1>\n        <div class=\"cards__wrapper\">\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/es\/11onze-tv\/descubre\/prestamos-privados\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/08\/THUMBNAIL_JORDI_OLLER-TOPIC4-800x401.png\" class=\"card-img-top\" alt=\"\">\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Los pr\u00e9stamos privados<\/strong><\/p>\n              <span class=\"card-time\">1min lectura<\/span>\n              <p class=\"card-text small\">El prop\u00f3sito de este clip es dar a conocer una de las posibilidades de obtener financiaci\u00f3n<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/es\/magazine\/hipoteca-inversa\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/08\/THUMBNAIL_HIPOTECA_INVERSA-800x533.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Econom\u00eda<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>La hipoteca inversa<\/strong><\/p>\n              <span class=\"card-time\">4min lectura<\/span>\n              <p class=\"card-text small\">Los propietarios de una vivienda, cuando llegan a la edad de la jubilaci\u00f3n, pueden<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/es\/magazine\/seguir-aprendiendo-11onze\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/06\/IMAGE_RECESSIO_SARA_CASALS-800x447.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">11Onze<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Aprende con 11Onze<\/strong><\/p>\n              <span class=\"card-time\">2min lectura<\/span>\n              <p class=\"card-text small\">Uno de los objetivos de 11Onze es poner al alcance de todo el mundo conocimientos<\/p>\n            <\/div>\n          <\/div>\n\n              <\/div>\n              <br>\n              <br>\n              <div class=\"cards__wrapper\">\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":16503,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[28],"tags":[174],"class_list":["post-16509","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar","tag-economia-es"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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