{"id":1342,"date":"2025-08-07T09:53:08","date_gmt":"2025-08-07T09:53:08","guid":{"rendered":"https:\/\/pierclub.com\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/"},"modified":"2026-03-18T12:53:22","modified_gmt":"2026-03-18T12:53:22","slug":"que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir","status":"publish","type":"post","link":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/","title":{"rendered":"Qu\u00e8 \u00e9s un pr\u00e9stec participatiu i per qu\u00e8 pot ser una forma rendible d&#8217;invertir"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Resum curt<\/h2>\n\n<p>Els pr\u00e9stecs participatius s\u00f3n una forma d&#8217;inversi\u00f3 alternativa que us permet obtenir rendibilitat sense comprar una propietat ni assumir-ne la gesti\u00f3. En aquest article descobrireu en qu\u00e8 consisteixen, com funcionen en el sector immobiliari i per qu\u00e8 cada vegada m\u00e9s inversors els estan triant com a opci\u00f3 clara, senzilla i amb retorn fix. <\/p>\n\n<h2 class=\"wp-block-heading\">Punts clau<\/h2>\n\n<ul class=\"wp-block-list\">\n<li>Podeu invertir des de 1.000 \u20ac amb un contracte clar i retorn definit.<\/li>\n\n\n\n<li>No compreu propietats ni les gestioneu: nom\u00e9s invertiu i rebeu interessos.<\/li>\n\n\n\n<li>\u00c9s una alternativa amb menys barreres que la compra directa d&#8217;immobles.<\/li>\n\n\n\n<li>En models com Pier Club, podeu obtenir fins a un 10% en 12 o 24 mesos.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 \u00e9s un pr\u00e9stec participatiu?<\/h2>\n\n<p>Un pr\u00e9stec participatiu \u00e9s una forma de finan\u00e7ament que permet a un inversor cedir capital a una empresa a canvi d&#8217;un rendiment pactat, sense que aix\u00f2 impliqui adquirir accions ni convertir-se en propietari.<\/p>\n\n<p>En el cas immobiliari, significa que no compreu un habitatge: presteu diners perqu\u00e8 un projecte immobiliari tiri endavant, i a canvi rebeu els vostres diners amb interessos.<br\/><br\/><a href=\"https:\/\/pierclub.com\/inversiones-con-retorno-garantizado-que-significa-realmente\/\">Qu\u00e8 signifiquen inversions amb retorn garantit?<\/a><\/p>\n\n<h2 class=\"wp-block-heading\">Com funciona un pr\u00e9stec participatiu immobiliari?<\/h2>\n\n<p>Vegem el proc\u00e9s pas a pas:<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Trieu un projecte<\/strong>: accediu a una promoci\u00f3 activa (per exemple, un habitatge a Menorca o Lombok).<\/li>\n\n\n\n<li><strong>Formalitzeu el pr\u00e9stec<\/strong>: signeu un contracte on queda tot per escrit: import, durada, garanties i tipus d&#8217;inter\u00e8s.<\/li>\n\n\n\n<li><strong>Els vostres diners treballen<\/strong>: durant 12 o 24 mesos, el vostre capital est\u00e0 invertit en aquest projecte.<\/li>\n\n\n\n<li><strong>Rebeu el retorn<\/strong>: un cop finalitzat el termini, recupereu la vostra inversi\u00f3 inicial m\u00e9s els interessos pactats.<\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\">Quina rendibilitat ofereix?<\/h2>\n\n<p>En models com Pier Club, la rendibilitat \u00e9s fixa: <strong>un 10%<\/strong> sobre el capital invertit, en terminis de 12 o 24 mesos.<\/p>\n\n<p>Aix\u00f2 significa que si invertiu 5.000 \u20ac, al cap del per\u00edode pactat, rebeu 5.500 \u20ac. Tot est\u00e0 recollit en un contracte legal i sense sorpreses. <\/p>\n\n<p>Si voleu m\u00e9s informaci\u00f3 sobre la rendibilitat dels pr\u00e9stecs participatius, podeu consultar els nostres articles sobre <a href=\"https:\/\/pierclub.com\/donde-invertir-10-000e-en-2025-opciones-con-rentabilidad-definida\/\">On invertir 10.000 \u20ac el 2025 amb rendibilitat definida?<\/a> o <a href=\"https:\/\/pierclub.com\/ca\/quina-rendibilitat-podeu-esperar-dun-prestec-participatiu-immobiliari\/\">Quina rendibilitat podeu esperar d&#8217;un pr\u00e9stec participatiu?<\/a><\/p>\n\n<h2 class=\"wp-block-heading\">Avantatges enfront d&#8217;altres formes d&#8217;inversi\u00f3<\/h2>\n\n<p><strong>No compreu res<\/strong><strong><br\/><\/strong>No necessiteu ser propietari ni preocupar-vos de gesti\u00f3, inquilins o impostos d&#8217;habitatge.<\/p>\n\n<p><strong>Entrada assequible<\/strong><strong><br\/><\/strong>Podeu comen\u00e7ar des de 1.000 \u20ac, sense hipoteques ni cr\u00e8dits.<\/p>\n\n<p><strong>Tot est\u00e0 per escrit<\/strong><strong><br\/><\/strong>Contracte legal, condicions clares, terminis definits.<\/p>\n\n<p><strong>Retorn fix<\/strong><strong><br\/><\/strong>No depeneu del mercat ni de si es revaloritza l&#8217;habitatge: sabeu quant rebreu.<\/p>\n\n<p>Si us interessa con\u00e8ixer altres formes d&#8217;invertir sense necessitat d&#8217;adquirir un immoble, podeu llegir aquest article sobre <a href=\"https:\/\/pierclub.com\/como-invertir-sin-comprar-una-propiedad-alternativas-reales-en-2025\/\">com invertir sense comprar una propietat<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\">Quins riscos existeixen?<\/h2>\n\n<p>Cap inversi\u00f3 est\u00e0 lliure de risc, per\u00f2 el pr\u00e9stec participatiu t\u00e9 alguns mecanismes per protegir-vos:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>El projecte est\u00e0 validat per experts abans de sortir al mercat.<\/li>\n\n\n\n<li>El contracte recull qu\u00e8 passa en cas de retards o incid\u00e8ncies.<\/li>\n\n\n\n<li>En el cas de Pier Club, <strong>tots els pr\u00e9stecs estan recolzats per un actiu immobiliari<\/strong>, la qual cosa aporta una capa addicional de seguretat.<\/li>\n\n\n\n<li>A m\u00e9s, <strong>Pier Club nom\u00e9s ofereix oportunitats en les quals tamb\u00e9 inverteix el seu propi capital<\/strong>. Aix\u00f2 garanteix un alineament total d&#8217;interessos amb els inversors i marca una gran difer\u00e8ncia respecte a altres plataformes, que gestionen inversions sense implicaci\u00f3 directa en els projectes. <\/li>\n<\/ul>\n\n<p>Aquesta doble garantia (actiu real com a suport i coinversi\u00f3 per part de Pier Club) redueix significativament el risc per a l&#8217;inversor final.<\/p>\n\n<h2 class=\"wp-block-heading\">Preguntes freq\u00fcents<\/h2>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1758708472237\"><strong class=\"schema-faq-question\"><strong>Est\u00e0 regulat aquest tipus d&#8217;inversi\u00f3?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed, els pr\u00e9stecs participatius estan recollits legalment i requereixen contracte signat.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758708482192\"><strong class=\"schema-faq-question\"><strong>Puc recuperar abans els diners?<\/strong><\/strong> <p class=\"schema-faq-answer\">No sol estar previst. El capital es recupera al venciment, llevat d&#8217;excepcions. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758708498646\"><strong class=\"schema-faq-question\"><strong>Quants diners necessito per comen\u00e7ar a invertir en pr\u00e9stecs participatius?<\/strong><\/strong> <p class=\"schema-faq-answer\">A Pier Club podeu comen\u00e7ar des de nom\u00e9s 1.000 \u20ac, la qual cosa el converteix en una opci\u00f3 accessible per a molts perfils d&#8217;inversors<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758708521172\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 diferencia Pier Club d&#8217;altres plataformes d&#8217;inversi\u00f3?<\/strong><\/strong> <p class=\"schema-faq-answer\">Pier Club nom\u00e9s ofereix projectes en els quals tamb\u00e9 inverteix el seu propi capital i tots els pr\u00e9stecs estan recolzats per un actiu immobiliari. Aix\u00f2 garanteix transpar\u00e8ncia i comprom\u00eds. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758708539517\"><strong class=\"schema-faq-question\"><strong>Quin tipus de projectes finan\u00e7a Pier Club amb els pr\u00e9stecs participatius?<\/strong><\/strong> <p class=\"schema-faq-answer\">Pier Club selecciona acuradament projectes immobiliaris amb alta demanda i potencial de rendibilitat, en ubicacions com Menorca, Andorra o Lombok.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758708555903\"><strong class=\"schema-faq-question\"><strong>Quan comen\u00e7o a rebre rendibilitat despr\u00e9s d&#8217;invertir?<\/strong><\/strong> <p class=\"schema-faq-answer\">La rendibilitat pactada es rep al final del termini acordat (12 o 24 mesos), juntament amb la devoluci\u00f3 del capital invertit.<\/p> <\/div> <\/div>\n\n<h2 class=\"wp-block-heading\">Conclusi\u00f3<\/h2>\n\n<p>El pr\u00e9stec participatiu \u00e9s una forma d&#8217;inversi\u00f3 que t\u00e9 tot el que moltes persones busquen avui: simplicitat, entrada assequible i un retorn clar i pactat. Pier Club ofereix una opci\u00f3 s\u00f2lida i transparent per a qui vol invertir de manera segura i sense complicacions. <\/p>\n\n<p>Si teniu estalvis aturats i busqueu una alternativa a la compra d&#8217;un habitatge, pot ser la porta d&#8217;entrada ideal.<\/p>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Resum curt Els pr\u00e9stecs participatius s\u00f3n una forma d&#8217;inversi\u00f3 alternativa que us permet obtenir rendibilitat sense comprar una propietat ni [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1344,"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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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-1342","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>Qu\u00e8 \u00e9s un pr\u00e9stec participatiu i com invertir des de 1.000 \u20ac<\/title>\n<meta name=\"description\" content=\"Descobriu com funciona un pr\u00e9stec participatiu i per qu\u00e8 \u00e9s una forma rendible d&#039;invertir sense comprar propietats. Comenceu des de nom\u00e9s 1.000 \u20ac.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u00e8 \u00e9s un pr\u00e9stec participatiu i com invertir des de 1.000 \u20ac\" \/>\n<meta property=\"og:description\" content=\"Descobriu com funciona un pr\u00e9stec participatiu i per qu\u00e8 \u00e9s una forma rendible d&#039;invertir sense comprar propietats. Comenceu des de nom\u00e9s 1.000 \u20ac.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/\" \/>\n<meta property=\"og:site_name\" content=\"Pier Club\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-07T09:53:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-18T12:53:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/08\/que-es-un-prestamo-participativo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"899\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Joan Muntada\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Joan Muntada\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/\"},\"author\":{\"name\":\"Joan Muntada\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#\\\/schema\\\/person\\\/1dd4e2aa6d1d789ede61873fc1bc475b\"},\"headline\":\"Qu\u00e8 \u00e9s un pr\u00e9stec participatiu i per qu\u00e8 pot ser una forma rendible d&#8217;invertir\",\"datePublished\":\"2025-08-07T09:53:08+00:00\",\"dateModified\":\"2026-03-18T12:53:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/\"},\"wordCount\":835,\"publisher\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/pierclub.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/que-es-un-prestamo-participativo.jpg\",\"articleSection\":[\"Sin categorizar\"],\"inLanguage\":\"ca\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/\",\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/\",\"name\":\"Qu\u00e8 \u00e9s un pr\u00e9stec participatiu i com invertir des de 1.000 \u20ac\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/pierclub.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/que-es-un-prestamo-participativo.jpg\",\"datePublished\":\"2025-08-07T09:53:08+00:00\",\"dateModified\":\"2026-03-18T12:53:22+00:00\",\"description\":\"Descobriu com funciona un pr\u00e9stec participatiu i per qu\u00e8 \u00e9s una forma rendible d'invertir sense comprar propietats. Comenceu des de nom\u00e9s 1.000 \u20ac.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708472237\"},{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708482192\"},{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708498646\"},{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708521172\"},{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708539517\"},{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708555903\"}],\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#primaryimage\",\"url\":\"https:\\\/\\\/pierclub.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/que-es-un-prestamo-participativo.jpg\",\"contentUrl\":\"https:\\\/\\\/pierclub.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/que-es-un-prestamo-participativo.jpg\",\"width\":1200,\"height\":899},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/pier-club-inversio-immobiliaria\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Qu\u00e8 \u00e9s un pr\u00e9stec participatiu i per qu\u00e8 pot ser una forma rendible d&#8217;invertir\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#website\",\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/\",\"name\":\"Pier Club\",\"description\":\"Viviendas exclusivas con alta rentabilidad\",\"publisher\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#organization\"},\"alternateName\":\"Confidence Changes Everything\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#organization\",\"name\":\"Pier Club\",\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/pierclub.com\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Recurso-1.svg\",\"contentUrl\":\"https:\\\/\\\/pierclub.com\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Recurso-1.svg\",\"width\":917,\"height\":216,\"caption\":\"Pier Club\"},\"image\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#\\\/schema\\\/person\\\/1dd4e2aa6d1d789ede61873fc1bc475b\",\"name\":\"Joan Muntada\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/113b77d5b69ce6428f4423ec8284a9839f7f6462db2e498adad5ab803676c96c?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/113b77d5b69ce6428f4423ec8284a9839f7f6462db2e498adad5ab803676c96c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/113b77d5b69ce6428f4423ec8284a9839f7f6462db2e498adad5ab803676c96c?s=96&d=mm&r=g\",\"caption\":\"Joan Muntada\"},\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/author\\\/joan\\\/\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708472237\",\"position\":1,\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708472237\",\"name\":\"Est\u00e0 regulat aquest tipus d'inversi\u00f3?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\u00ed, els pr\u00e9stecs participatius estan recollits legalment i requereixen contracte signat.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708482192\",\"position\":2,\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708482192\",\"name\":\"Puc recuperar abans els diners?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No sol estar previst. El capital es recupera al venciment, llevat d'excepcions. \",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708498646\",\"position\":3,\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708498646\",\"name\":\"Quants diners necessito per comen\u00e7ar a invertir en pr\u00e9stecs participatius?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A Pier Club podeu comen\u00e7ar des de nom\u00e9s 1.000 \u20ac, la qual cosa el converteix en una opci\u00f3 accessible per a molts perfils d'inversors\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708521172\",\"position\":4,\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708521172\",\"name\":\"Qu\u00e8 diferencia Pier Club d'altres plataformes d'inversi\u00f3?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pier Club nom\u00e9s ofereix projectes en els quals tamb\u00e9 inverteix el seu propi capital i tots els pr\u00e9stecs estan recolzats per un actiu immobiliari. Aix\u00f2 garanteix transpar\u00e8ncia i comprom\u00eds. \",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708539517\",\"position\":5,\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708539517\",\"name\":\"Quin tipus de projectes finan\u00e7a Pier Club amb els pr\u00e9stecs participatius?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pier Club selecciona acuradament projectes immobiliaris amb alta demanda i potencial de rendibilitat, en ubicacions com Menorca, Andorra o Lombok.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708555903\",\"position\":6,\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\\\/#faq-question-1758708555903\",\"name\":\"Quan comen\u00e7o a rebre rendibilitat despr\u00e9s d'invertir?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La rendibilitat pactada es rep al final del termini acordat (12 o 24 mesos), juntament amb la devoluci\u00f3 del capital invertit.\",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Qu\u00e8 \u00e9s un pr\u00e9stec participatiu i com invertir des de 1.000 \u20ac","description":"Descobriu com funciona un pr\u00e9stec participatiu i per qu\u00e8 \u00e9s una forma rendible d'invertir sense comprar propietats. Comenceu des de nom\u00e9s 1.000 \u20ac.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/","og_locale":"ca_ES","og_type":"article","og_title":"Qu\u00e8 \u00e9s un pr\u00e9stec participatiu i com invertir des de 1.000 \u20ac","og_description":"Descobriu com funciona un pr\u00e9stec participatiu i per qu\u00e8 \u00e9s una forma rendible d'invertir sense comprar propietats. Comenceu des de nom\u00e9s 1.000 \u20ac.","og_url":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/","og_site_name":"Pier Club","article_published_time":"2025-08-07T09:53:08+00:00","article_modified_time":"2026-03-18T12:53:22+00:00","og_image":[{"width":1200,"height":899,"url":"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/08\/que-es-un-prestamo-participativo.jpg","type":"image\/jpeg"}],"author":"Joan Muntada","twitter_card":"summary_large_image","twitter_misc":{"Escrit per":"Joan Muntada","Temps estimat de lectura":"4 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#article","isPartOf":{"@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/"},"author":{"name":"Joan Muntada","@id":"https:\/\/pierclub.com\/ca\/#\/schema\/person\/1dd4e2aa6d1d789ede61873fc1bc475b"},"headline":"Qu\u00e8 \u00e9s un pr\u00e9stec participatiu i per qu\u00e8 pot ser una forma rendible d&#8217;invertir","datePublished":"2025-08-07T09:53:08+00:00","dateModified":"2026-03-18T12:53:22+00:00","mainEntityOfPage":{"@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/"},"wordCount":835,"publisher":{"@id":"https:\/\/pierclub.com\/ca\/#organization"},"image":{"@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#primaryimage"},"thumbnailUrl":"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/08\/que-es-un-prestamo-participativo.jpg","articleSection":["Sin categorizar"],"inLanguage":"ca"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/","url":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/","name":"Qu\u00e8 \u00e9s un pr\u00e9stec participatiu i com invertir des de 1.000 \u20ac","isPartOf":{"@id":"https:\/\/pierclub.com\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#primaryimage"},"image":{"@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#primaryimage"},"thumbnailUrl":"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/08\/que-es-un-prestamo-participativo.jpg","datePublished":"2025-08-07T09:53:08+00:00","dateModified":"2026-03-18T12:53:22+00:00","description":"Descobriu com funciona un pr\u00e9stec participatiu i per qu\u00e8 \u00e9s una forma rendible d'invertir sense comprar propietats. Comenceu des de nom\u00e9s 1.000 \u20ac.","breadcrumb":{"@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708472237"},{"@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708482192"},{"@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708498646"},{"@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708521172"},{"@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708539517"},{"@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708555903"}],"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#primaryimage","url":"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/08\/que-es-un-prestamo-participativo.jpg","contentUrl":"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/08\/que-es-un-prestamo-participativo.jpg","width":1200,"height":899},{"@type":"BreadcrumbList","@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/pierclub.com\/ca\/pier-club-inversio-immobiliaria\/"},{"@type":"ListItem","position":2,"name":"Qu\u00e8 \u00e9s un pr\u00e9stec participatiu i per qu\u00e8 pot ser una forma rendible d&#8217;invertir"}]},{"@type":"WebSite","@id":"https:\/\/pierclub.com\/ca\/#website","url":"https:\/\/pierclub.com\/ca\/","name":"Pier Club","description":"Viviendas exclusivas con alta rentabilidad","publisher":{"@id":"https:\/\/pierclub.com\/ca\/#organization"},"alternateName":"Confidence Changes Everything","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/pierclub.com\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Organization","@id":"https:\/\/pierclub.com\/ca\/#organization","name":"Pier Club","url":"https:\/\/pierclub.com\/ca\/","logo":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/pierclub.com\/ca\/#\/schema\/logo\/image\/","url":"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/06\/Recurso-1.svg","contentUrl":"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/06\/Recurso-1.svg","width":917,"height":216,"caption":"Pier Club"},"image":{"@id":"https:\/\/pierclub.com\/ca\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/pierclub.com\/ca\/#\/schema\/person\/1dd4e2aa6d1d789ede61873fc1bc475b","name":"Joan Muntada","image":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/secure.gravatar.com\/avatar\/113b77d5b69ce6428f4423ec8284a9839f7f6462db2e498adad5ab803676c96c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/113b77d5b69ce6428f4423ec8284a9839f7f6462db2e498adad5ab803676c96c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/113b77d5b69ce6428f4423ec8284a9839f7f6462db2e498adad5ab803676c96c?s=96&d=mm&r=g","caption":"Joan Muntada"},"url":"https:\/\/pierclub.com\/ca\/author\/joan\/"},{"@type":"Question","@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708472237","position":1,"url":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708472237","name":"Est\u00e0 regulat aquest tipus d'inversi\u00f3?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"S\u00ed, els pr\u00e9stecs participatius estan recollits legalment i requereixen contracte signat.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708482192","position":2,"url":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708482192","name":"Puc recuperar abans els diners?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No sol estar previst. El capital es recupera al venciment, llevat d'excepcions. ","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708498646","position":3,"url":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708498646","name":"Quants diners necessito per comen\u00e7ar a invertir en pr\u00e9stecs participatius?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A Pier Club podeu comen\u00e7ar des de nom\u00e9s 1.000 \u20ac, la qual cosa el converteix en una opci\u00f3 accessible per a molts perfils d'inversors","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708521172","position":4,"url":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708521172","name":"Qu\u00e8 diferencia Pier Club d'altres plataformes d'inversi\u00f3?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Pier Club nom\u00e9s ofereix projectes en els quals tamb\u00e9 inverteix el seu propi capital i tots els pr\u00e9stecs estan recolzats per un actiu immobiliari. Aix\u00f2 garanteix transpar\u00e8ncia i comprom\u00eds. ","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708539517","position":5,"url":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708539517","name":"Quin tipus de projectes finan\u00e7a Pier Club amb els pr\u00e9stecs participatius?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Pier Club selecciona acuradament projectes immobiliaris amb alta demanda i potencial de rendibilitat, en ubicacions com Menorca, Andorra o Lombok.","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708555903","position":6,"url":"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/#faq-question-1758708555903","name":"Quan comen\u00e7o a rebre rendibilitat despr\u00e9s d'invertir?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"La rendibilitat pactada es rep al final del termini acordat (12 o 24 mesos), juntament amb la devoluci\u00f3 del capital invertit.","inLanguage":"ca"},"inLanguage":"ca"}]}},"_links":{"self":[{"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/posts\/1342","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/comments?post=1342"}],"version-history":[{"count":2,"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/posts\/1342\/revisions"}],"predecessor-version":[{"id":1346,"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/posts\/1342\/revisions\/1346"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/media\/1344"}],"wp:attachment":[{"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/media?parent=1342"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/categories?post=1342"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/tags?post=1342"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}