{"id":1338,"date":"2025-09-01T09:06:25","date_gmt":"2025-09-01T09:06:25","guid":{"rendered":"https:\/\/pierclub.com\/quina-rendibilitat-podeu-esperar-dun-prestec-participatiu-immobiliari\/"},"modified":"2026-03-18T12:53:15","modified_gmt":"2026-03-18T12:53:15","slug":"quina-rendibilitat-podeu-esperar-dun-prestec-participatiu-immobiliari","status":"publish","type":"post","link":"https:\/\/pierclub.com\/ca\/quina-rendibilitat-podeu-esperar-dun-prestec-participatiu-immobiliari\/","title":{"rendered":"\u00bfQuina rendibilitat podeu esperar d&#8217;un pr\u00e9stec participatiu immobiliari?"},"content":{"rendered":"\n<p><strong>Guia pr\u00e0ctica per entendre percentatges, terminis, cobraments i riscos, i com encaixa el model de Pier Club.<\/strong><\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Resum curt<\/strong><\/h2>\n\n<p>Si busqueu ingressos clars sense comprar un immoble i desemborsar un gran capital, el <strong>pr\u00e9stec participatiu<\/strong> ofereix una <strong>rendibilitat fixa per contracte<\/strong> amb terminis definits (12\u201324 mesos). En aquesta guia veureu <strong>quin retorn podeu esperar<\/strong>, <strong>quan es cobra<\/strong>, <strong>com calcular el net<\/strong> despr\u00e9s d&#8217;impostos i <strong>quins riscos hi ha<\/strong>. Tamb\u00e9 expliquem per qu\u00e8, en models com <strong>Pier Club<\/strong>, un <strong>10% anual<\/strong> pot ser raonable i en quines condicions.  <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Punts clau<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li><strong>Retorn fix per contracte<\/strong>: coneixeu per endavant l&#8217;inter\u00e8s i el termini.<\/li>\n\n\n\n<li><strong>Cobrament al venciment<\/strong>: inter\u00e8s simple (no mensual), tret que el contracte indiqui el contrari.<\/li>\n\n\n\n<li><strong>Des de 1.000 \u20ac<\/strong>: Ens adaptem al vostre perfil inversor perqu\u00e8 pugueu invertir sense fer grans aportacions.<\/li>\n\n\n\n<li><strong>Net vs. brut<\/strong>: els interessos tributen com a rendiment del capital mobiliari (retenci\u00f3 estimada del 19% a Espanya).<\/li>\n\n\n\n<li><strong>Risc i liquiditat<\/strong>: La liquiditat \u00e9s a 12 o 24 mesos, segons el contracte, per la qual cosa la recuperaci\u00f3 del capital es produeix una vegada es liquiden els interessos.<\/li>\n\n\n\n<li><strong>Suport per actiu immobiliari<\/strong> i <strong>coinversi\u00f3<\/strong>: dues palanques per alinear interessos i reduir el risc operacional.<\/li>\n<\/ul>\n\n<p>Si \u00e9s la vostra primera vegada amb aquest model, us recomanem llegir abans <a href=\"https:\/\/pierclub.com\/que-es-un-prestamo-participativo-y-por-que-puede-ser-una-forma-rentable-de-invertir\/\"><strong>qu\u00e8 \u00e9s un pr\u00e9stec participatiu<\/strong><\/a> i, si voleu alternatives sense comprar habitatge, <a href=\"https:\/\/pierclub.com\/como-invertir-sin-comprar-una-propiedad-alternativas-reales-en-2025\/\"><strong>com invertir sense comprar una propietat<\/strong><\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 significa \u201crendibilitat fixa per contracte\u201d?<\/strong><\/h2>\n\n<p>En un pr\u00e9stec participatiu, <strong>presteu diners a una empresa<\/strong> per a un projecte concret i <strong>rebeu un inter\u00e8s pactat<\/strong> per contracte. La <strong>rendibilitat \u00e9s fixa<\/strong> (p. ex., 10% anual) i el <strong>termini<\/strong> queda definit (12 o 24 mesos). En el model de Pier Club, l&#8217;inter\u00e8s es <strong>paga al venciment<\/strong> (inter\u00e8s <strong>simple<\/strong>), juntament amb la devoluci\u00f3 del capital.  <\/p>\n\n<p><strong>Qu\u00e8 NO \u00e9s:<\/strong> no significa ser titular de cap immoble, no requereix gestionar inquilins ni assumir hipoteca. Tampoc \u00e9s un producte d&#8217;estalvi garantit per l&#8217;Estat. <\/p>\n\n<p><a href=\"https:\/\/pierclub.com\/inversiones-con-retorno-garantizado-que-significa-realmente\/\">Llegiu el nostre article<\/a> sobre qu\u00e8 significa una inversi\u00f3 amb retorn garantit.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Per qu\u00e8 pot ser viable un 10% anual?<\/strong><\/h2>\n\n<p>Perqu\u00e8 l&#8217;inversor assumeix un <strong>risc empresarial<\/strong> acotat i aporta un capital que permet <strong>desbloquejar valor<\/strong> en projectes immobiliaris concrets. Algunes palanques que ho fan possible: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Terminis curts i definits<\/strong> (12\u201324 mesos) amb objectius clars.<\/li>\n\n\n\n<li><strong>Suport per un actiu immobiliari<\/strong> relacionat amb el projecte.<\/li>\n\n\n\n<li><strong>Coinversi\u00f3<\/strong> del promotor, en el nostre cas, Pier Club, sempre aportem part de capital propi.<\/li>\n\n\n\n<li><strong>Due diligence<\/strong> pr\u00e8via: ubicaci\u00f3, permisos, costos, demanda i pla de sortida.<\/li>\n\n\n\n<li><strong>Gesti\u00f3 professional<\/strong> i reporting durant el termini del pr\u00e9stec.<\/li>\n<\/ul>\n\n<p>El 10% <strong>no \u00e9s una promesa universal<\/strong>: dep\u00e8n del projecte, garanties, operador i contracte.<\/p>\n\n<p><a href=\"https:\/\/pierclub.com\/ca\/diferencies-entre-invertir-en-propietat-vs-prestec-participatiu\/\">Apreneu m\u00e9s<\/a> sobre les difer\u00e8ncies entre invertir en propietat vs. pr\u00e9stecs participatius<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Terminis, cobrament i escenaris<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li><strong>Termini habitual<\/strong>: 12 o 24 mesos.<\/li>\n\n\n\n<li><strong>Cobrament<\/strong>: capital + interessos <strong>al venciment<\/strong> (inter\u00e8s simple).<\/li>\n\n\n\n<li><strong>Pr\u00f2rroga<\/strong>: si el projecte ho requereix, el contracte pot contemplar una <strong>extensi\u00f3<\/strong> del termini (p. ex., +12 mesos) amb les condicions indicades.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>Exemples num\u00e8rics (brut i net aproximat)<\/strong><\/h2>\n\n<p>Suposem <strong>10% anual<\/strong> amb <strong>pagament al venciment<\/strong> i retenci\u00f3 estimada del <strong>19%<\/strong> sobre interessos (Espanya):<\/p>\n\n<h3 class=\"wp-block-heading\">A 12 mesos<\/h3>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Inversi\u00f3<\/strong><\/td><td><strong>Inter\u00e8s brut (10%)<\/strong><\/td><td><strong>Retenci\u00f3 (19%)<\/strong><\/td><td><strong>Inter\u00e8s net<\/strong><\/td><td><strong>Total al venciment<\/strong><\/td><\/tr><tr><td>1.000\u20ac<\/td><td>100\u20ac<\/td><td>19\u20ac<\/td><td>81\u20ac<\/td><td>1.081\u20ac<\/td><\/tr><tr><td>5.000\u20ac<\/td><td>500\u20ac<\/td><td>95\u20ac<\/td><td>405\u20ac<\/td><td>5.405\u20ac<\/td><\/tr><tr><td>10.000\u20ac<\/td><td>1.000\u20ac<\/td><td>190\u20ac<\/td><td>810\u20ac<\/td><td>10.810\u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<h3 class=\"wp-block-heading\">A 24 mesos (inter\u00e8s simple 10% anual)<\/h3>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Inversi\u00f3<\/strong><\/td><td><strong>Inter\u00e8s brut (20%)<\/strong><\/td><td><strong>Retenci\u00f3 (19%)<\/strong><\/td><td><strong>Inter\u00e8s net<\/strong><\/td><td><strong>Total al venciment<\/strong><\/td><\/tr><tr><td>1.000\u20ac<\/td><td>200\u20ac<\/td><td>38\u20ac<\/td><td>162\u20ac<\/td><td>1.162\u20ac<\/td><\/tr><tr><td>5.000\u20ac<\/td><td>1.000\u20ac<\/td><td>190\u20ac<\/td><td>810\u20ac<\/td><td>5.810\u20ac<\/td><\/tr><tr><td>10.000\u20ac<\/td><td>2.000\u20ac<\/td><td>380\u20ac<\/td><td>1.620\u20ac<\/td><td>11.620\u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p>C\u00e0lculs orientatius. Reviseu sempre el contracte i la vostra situaci\u00f3 fiscal. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Factors que influeixen en la rendibilitat i el risc<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li><strong>Qualitat i localitzaci\u00f3 de l&#8217;actiu<\/strong> que dona suport a l&#8217;operaci\u00f3.<\/li>\n\n\n\n<li><strong>Estructura legal i garanties<\/strong> (contracte, penyora de rendes, etc.).<\/li>\n\n\n\n<li><strong>Experi\u00e8ncia de l&#8217;operador<\/strong> i exist\u00e8ncia de <strong>coinversi\u00f3<\/strong>.<\/li>\n\n\n\n<li><strong>Pla de negoci<\/strong> (fites, costos, demanda, sortida) i <strong>disciplina de reporting<\/strong>.<\/li>\n\n\n\n<li><strong>Divisa i terminis<\/strong> (segons el projecte).<\/li>\n<\/ul>\n\n<p><\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Comparativa r\u00e0pida amb altres alternatives<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li><strong>REITs\/SOCIMI<\/strong>: m\u00e9s l\u00edquides, per\u00f2 retorn <strong>variable<\/strong> i subjecte a mercat.<\/li>\n\n\n\n<li><strong>Crowdlending<\/strong>: entrada baixa, tot i que amb <strong>transpar\u00e8ncia i garanties<\/strong> molt dispars entre plataformes.<\/li>\n\n\n\n<li><strong>Dip\u00f2sits\/renda fixa<\/strong>: alta liquiditat i senzillesa, per\u00f2 <strong>rendibilitat en m\u00ednims<\/strong> en la majoria d&#8217;escenaris.<\/li>\n<\/ul>\n\n<p>Si voleu una visi\u00f3 general d&#8217;alternatives sense comprar habitatge, reviseu <a href=\"https:\/\/pierclub.com\/donde-invertir-10-000e-en-2025-opciones-con-rentabilidad-definida\/\"><strong>aquesta comparativa<\/strong><\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Checklist per decidir<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li>Entenc <strong>termini<\/strong>, <strong>inter\u00e8s<\/strong> i <strong>moment de cobrament<\/strong>?<\/li>\n\n\n\n<li>Quines <strong>garanties<\/strong> ofereix el contracte?<\/li>\n\n\n\n<li>Qui gestiona el projecte i <strong>coinverteix<\/strong>?<\/li>\n\n\n\n<li>Hi ha <strong>reporting<\/strong> i seguiment peri\u00f2dic?<\/li>\n\n\n\n<li>Puc permetre&#8217;m la <strong>manca de liquiditat<\/strong> fins al venciment?<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>Preguntes freq\u00fcents<\/strong><\/h2>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1758710953539\"><strong class=\"schema-faq-question\"><strong>Quan cobro els interessos?<\/strong><\/strong> <p class=\"schema-faq-answer\">Al <strong>venciment<\/strong> (12 o 24 mesos), juntament amb la devoluci\u00f3 del capital, tret que el contracte indiqui un altre calendari.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758710962364\"><strong class=\"schema-faq-question\"><strong>El 10% \u00e9s net o brut?<\/strong><\/strong> <p class=\"schema-faq-answer\">\u00c9s <strong>brut<\/strong>. A Espanya, els interessos tributen com a rendiment del capital mobiliari (es pot aplicar retenci\u00f3). El <strong>net<\/strong> dep\u00e8n de la vostra situaci\u00f3 fiscal.  <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758710977919\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 passa si hi ha retards?<\/strong><\/strong> <p class=\"schema-faq-answer\">El contracte sol contemplar <strong>pr\u00f2rroga<\/strong> i mecanismes de protecci\u00f3. Consulteu les condicions espec\u00edfiques. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758710993581\"><strong class=\"schema-faq-question\"><strong>Puc sortir abans?<\/strong><\/strong> <p class=\"schema-faq-answer\">No: el pr\u00e9stec t\u00e9 <strong>termini tancat<\/strong>. Si prioritzeu la liquiditat, considereu diversificar. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758711008540\"><strong class=\"schema-faq-question\"><strong>Quines garanties tinc?<\/strong><\/strong> <p class=\"schema-faq-answer\">En el model de Pier Club, cada operaci\u00f3 est\u00e0 <strong>recolzada per un actiu immobiliari<\/strong> i comptem amb <strong>coinversi\u00f3<\/strong>. Reviseu la documentaci\u00f3 de cada projecte. <\/p> <\/div> <\/div>\n\n<h2 class=\"wp-block-heading\"><strong>Conclusi\u00f3<\/strong><\/h2>\n\n<p>Si el vostre objectiu \u00e9s <strong>rendibilitat definida<\/strong> amb <strong>terminis clars<\/strong> i <strong>zero gesti\u00f3<\/strong>, el <strong>pr\u00e9stec participatiu<\/strong> \u00e9s una via directa per al 2025. Amb tiquets des de <strong>1.000 \u20ac<\/strong>, podeu comen\u00e7ar de forma prudent, comparar resultats i decidir si amplieu. <\/p>\n\n<p><strong>Seg\u00fcent pas<\/strong>: sol\u00b7liciteu la fitxa <strong>del projecte actiu<\/strong> i agendeu una <strong>trucada de 15 minuts<\/strong> amb l&#8217;equip de Pier Club.<\/p>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Guia pr\u00e0ctica per entendre percentatges, terminis, cobraments i riscos, i com encaixa el model de Pier Club. Resum curt Si [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1339,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[11],"tags":[],"class_list":["post-1338","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rendibilitat d&#039;un pr\u00e9stec participatiu immobiliari<\/title>\n<meta name=\"description\" content=\"Quina rendibilitat podeu esperar en pr\u00e9stec participatiu immobiliari: terminis, cobrament, c\u00e0lcul net i riscos. 10% fix per contracte.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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