{"id":1360,"date":"2025-09-12T14:20:11","date_gmt":"2025-09-12T14:20:11","guid":{"rendered":"https:\/\/pierclub.com\/inversions-amb-retorn-garantit-que-significa-realment\/"},"modified":"2026-03-18T12:54:55","modified_gmt":"2026-03-18T12:54:55","slug":"inversions-amb-retorn-garantit-que-significa-realment","status":"publish","type":"post","link":"https:\/\/pierclub.com\/ca\/inversions-amb-retorn-garantit-que-significa-realment\/","title":{"rendered":"Inversions amb retorn garantit: qu\u00e8 significa realment"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Resum curt<\/strong><\/h2>\n\n<p>En inversi\u00f3 privada no existeix cap garantia de rendibilitat. El m\u00e9s responsable \u00e9s fixar per contracte un <strong>inter\u00e8s i un termini<\/strong> i explicar quines <strong>garanties privades<\/strong> el recolzen. A Pier Club, cada operaci\u00f3 estableix un <strong>10% anual fixat en contracte<\/strong> a 12 o 24 mesos, amb <strong>actiu immobiliari de suport<\/strong> aportat per Pier Club i <strong>coinversi\u00f3<\/strong> per alinear interessos.  <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Punts clau<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li>\u00abGarantit\u00bb en m\u00e0rqueting no equival a garantia. Importa el que diu el <strong>contracte<\/strong> i com s\u2019<strong>executa<\/strong>. <\/li>\n\n\n\n<li><strong>Retorn definit per contracte<\/strong>: inter\u00e8s i termini fixats, amb pagament al venciment mitjan\u00e7ant <strong>inter\u00e8s simple<\/strong>.<\/li>\n\n\n\n<li><strong>Actiu de suport<\/strong>: Pier Club aporta un actiu immobiliari a Espanya com a <strong>aval contractual<\/strong> segons condicions.<\/li>\n\n\n\n<li><strong>Coinversi\u00f3<\/strong>: Pier Club inverteix en els mateixos projectes que ofereix.<\/li>\n\n\n\n<li><strong>Risc i liquiditat<\/strong>: el capital roman fins al venciment; poden existir pr\u00f2rrogues contractuals.<\/li>\n\n\n\n<li><strong>Fiscalitat<\/strong>: els interessos tributen com a rendiment del capital mobiliari; es pot aplicar retenci\u00f3.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 significa de deb\u00f2 \u00abretorn garantit\u00bb<\/strong><\/h2>\n\n<p>En finances, el terme pot referir-se a:<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Garanties <\/strong>de dip\u00f2sits o del principal en productes regulats molt concrets.<\/li>\n\n\n\n<li><strong>Garanties <\/strong>fixades en un <strong>contracte<\/strong> entre parts, amb actius i mecanismes d\u2019execuci\u00f3.<\/li>\n<\/ol>\n\n<p>En inversi\u00f3 immobili\u00e0ria privada no hi ha garantia de rendibilitat. El que s\u00ed que pot existir \u00e9s un <strong>inter\u00e8s pactat<\/strong> amb <strong><a href=\"https:\/\/pierclub.com\/ca\/quina-rendibilitat-podeu-esperar-dun-prestec-participatiu-immobiliari\/\">termini definit<\/a><\/strong> i <strong>garanties contractuals<\/strong> que en recolzin el compliment. <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Com llegir-ho b\u00e9<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Exigiu <strong>contracte<\/strong>, amb <strong>venciment<\/strong> i detall de les <strong>garanties.<\/strong><\/li>\n\n\n\n<li>Demaneu que us expliquin <strong>com<\/strong> s\u2019executen si alguna cosa no surt com s\u2019espera.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>L\u2019enfocament Pier Club<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li><strong>Inter\u00e8s i termini fixats en contracte<\/strong>: 10% anual a 12 o 24 mesos, pagament al venciment amb inter\u00e8s simple.<\/li>\n\n\n\n<li><strong>Actiu de suport<\/strong>: Pier Club <strong>aporta un actiu immobiliari propi a Espanya<\/strong> com a aval contractual segons condicions.<\/li>\n\n\n\n<li><strong>Coinversi\u00f3<\/strong>: Pier Club <strong>coinverteix en tots els projectes<\/strong> que ofereix.<\/li>\n\n\n\n<li><strong>Transpar\u00e8ncia<\/strong>: reporting durant la vida del pr\u00e9stec i comunicaci\u00f3 de fites.<\/li>\n<\/ul>\n\n<p><strong>Qu\u00e8 no prometem<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Liquiditat immediata.<\/li>\n\n\n\n<li>Abs\u00e8ncia total de risc. La difer\u00e8ncia \u00e9s com es mitiga i quines garanties existeixen. <\/li>\n<\/ul>\n\n<p><em>Si voleu entendre el vehicle m\u00e9s habitual a Pier Club, reviseu <strong><a href=\"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/\">qu\u00e8 \u00e9s un pr\u00e9stec participatiu<\/a><\/strong>.<\/em><\/p>\n\n<h2 class=\"wp-block-heading\"><strong>\u00abSuport amb actiu immobiliari\u00bb: qu\u00e8 \u00e9s i qu\u00e8 no \u00e9s<\/strong><\/h2>\n\n<p><strong>\u00c9s<\/strong> una garantia en qu\u00e8 un actiu immobiliari s\u2019<strong>afecta<\/strong> a l\u2019operaci\u00f3 com a suport contractual, amb <strong>prioritats<\/strong> i <strong>mecanismes d\u2019execuci\u00f3<\/strong> definits.<br\/><strong>No \u00e9s<\/strong> una garantia p\u00fablica de resultats ni elimina tot el risc. Millora la <strong>recuperaci\u00f3<\/strong> i redueix el risc d\u2019<strong>execuci\u00f3<\/strong> si hi ha incid\u00e8ncies. <\/p>\n\n<p><strong>Qu\u00e8 mirar al contracte<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Titularitat i caracter\u00edstiques de l\u2019actiu que dona suport.<\/li>\n\n\n\n<li>Prioritat de cobrament i procediment d\u2019execuci\u00f3.<\/li>\n\n\n\n<li>Fites del projecte i condicions de pr\u00f2rroga.<\/li>\n<\/ul>\n\n<p><em>Si voleu invertir sense ser propietari, <a href=\"https:\/\/pierclub.com\/ca\/com-invertir-sense-comprar-una-propietat-alternatives-reals-el-2025\/\">aquesta guia<\/a> compara diverses vies per invertir sense comprar habitatge.<\/em><\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Checklist per avaluar ofertes que diuen \u00abgarantit\u00bb<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li>L\u2019inter\u00e8s, el termini i el calendari estan <strong>clarament fixats<\/strong> en contracte?<\/li>\n\n\n\n<li>Quines <strong>garanties<\/strong> donen suport a l\u2019operaci\u00f3 i <strong>com<\/strong> s\u2019executen?<\/li>\n\n\n\n<li>El promotor <strong>coinverteix<\/strong>?<\/li>\n\n\n\n<li>Hi ha <strong>reporting<\/strong> peri\u00f2dic i responsables definits?<\/li>\n\n\n\n<li>El vostre perfil tolera la <strong>manca de liquiditat<\/strong> fins al venciment?<br\/><strong>Alertes<\/strong>: rendibilitats molt altes sense explicar riscos, manca de documentaci\u00f3, promeses de liquiditat que no encaixen amb la naturalesa del producte.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>Exemple orientatiu de retorn definit<\/strong><\/h2>\n\n<p>Suposem <strong>10% anual<\/strong> amb pagament al venciment i <strong>inter\u00e8s simple<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>A 12 mesos: per cada 1.000 \u20ac l\u2019inter\u00e8s brut \u00e9s de 100 \u20ac.<\/li>\n\n\n\n<li>A 24 mesos: 200 \u20ac en total.<br\/>Els interessos tributen com a <strong>rendiments del capital mobiliari<\/strong> i poden estar subjectes a <strong>retenci\u00f3<\/strong>. El net dep\u00e8n de la vostra situaci\u00f3. <\/li>\n<\/ul>\n\n<p>Amb 10.000 \u20ac, aquests s\u00f3n els escenaris t\u00edpics; <a href=\"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/\">aqu\u00ed<\/a> teniu una <strong>comparativa amb 10.000 \u20ac<\/strong> pas a pas.<\/p>\n\n<p><em>C\u00e0lculs il\u00b7lustratius. Reviseu sempre el contracte i consulteu el vostre assessor. <\/em><\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Riscos habituals i com es mitiguen<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li><strong>Execuci\u00f3 i terminis<\/strong>: es mitiga amb pagaments per <strong>fites<\/strong>, supervisi\u00f3 i reporting.<\/li>\n\n\n\n<li><strong>Operaci\u00f3<\/strong>: gesti\u00f3 professional i <strong>coinversi\u00f3<\/strong> per alinear incentius.<\/li>\n\n\n\n<li><strong>Marc legal<\/strong>: llic\u00e8ncies i estructura contractual clares.<\/li>\n\n\n\n<li><strong>Liquiditat<\/strong>: capital fins al venciment; el contracte pot preveure <strong>pr\u00f2rroga<\/strong>.<\/li>\n\n\n\n<li><strong>Divisa<\/strong>: a Pier Club la formalitzaci\u00f3 i els pagaments es fan en <strong>euros a Espanya<\/strong> segons contracte.<\/li>\n<\/ul>\n\n<p>Voleu con\u00e8ixer un cas real? <a href=\"https:\/\/pierclub.com\/ca\/invertir-a-lombok-amb-pier-club-investments-guia-i-projecte-real\/\">Aqu\u00ed<\/a> expliquem com invertir a <strong>Lombok amb retorn definit<\/strong>.<\/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-1757684722114\"><strong class=\"schema-faq-question\"><strong>Est\u00e0 garantit el meu retorn?<\/strong><\/strong> <p class=\"schema-faq-answer\">No hi ha garantia de rendibilitat. A Pier Club el <strong>10% anual queda fixat en el contracte<\/strong> amb pagament al venciment i <strong>actiu de suport<\/strong> aportat per Pier Club, a m\u00e9s de <strong>coinversi\u00f3<\/strong>. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1757684734230\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 \u00e9s l\u2019actiu de suport i com em protegeix?<\/strong><\/strong> <p class=\"schema-faq-answer\">\u00c9s un actiu immobiliari afecte a l\u2019operaci\u00f3 com a aval contractual. Defineix prioritats i un mecanisme d\u2019execuci\u00f3 per millorar la recuperaci\u00f3 si hi ha incid\u00e8ncies. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1757684748316\"><strong class=\"schema-faq-question\"><strong>Puc sortir abans del venciment?<\/strong><\/strong> <p class=\"schema-faq-answer\">No \u00e9s l\u2019habitual. El pr\u00e9stec t\u00e9 <strong>termini tancat<\/strong>. Si prioritzeu la liquiditat, valoreu diversificar.  <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1757684760842\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 passa si hi ha retards?<\/strong><\/strong> <p class=\"schema-faq-answer\">El contracte pot preveure <strong>pr\u00f2rroga<\/strong> i mesures de protecci\u00f3. Es comunica mitjan\u00e7ant reporting. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1757684774025\"><strong class=\"schema-faq-question\"><strong>Com tributen els interessos?<\/strong><\/strong> <p class=\"schema-faq-answer\">Com a <strong>rendiments del capital mobiliari<\/strong>. Es pot aplicar <strong>retenci\u00f3<\/strong>. El net dep\u00e8n de la vostra fiscalitat. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1757684785620\"><strong class=\"schema-faq-question\"><strong>En qu\u00e8 es diferencia d\u2019un dip\u00f2sit bancari?<\/strong><\/strong> <p class=\"schema-faq-answer\">No \u00e9s un producte garantit pel Fons de Garantia de Dip\u00f2sits ni ofereix liquiditat immediata. \u00c9s inversi\u00f3 privada amb retorn definit per contracte i garanties privades. <\/p> <\/div> <\/div>\n\n<h2 class=\"wp-block-heading\">Conclusi\u00f3<\/h2>\n\n<p>La paraula \u00abgarantit\u00bb s\u2019utilitza sovint, per\u00f2 el rellevant \u00e9s <strong>qu\u00e8 diu el contracte<\/strong>, <strong>qu\u00e8 el recolza<\/strong> i <strong>com s\u2019alineen els interessos<\/strong>. Si busqueu <strong>retorn definit<\/strong> amb un marc clar, sol\u00b7liciteu <strong>la fitxa del projecte actiu<\/strong> i agendeu una <strong>trucada de 15 minuts<\/strong> amb l\u2019equip de Pier Club. <\/p>\n\n<p><strong>Av\u00eds<\/strong>: Aquest contingut \u00e9s informatiu i no constitueix assessorament financer, fiscal o legal. <strong>La inversi\u00f3 comporta riscos. Consulteu-ne les condicions.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Resum curt En inversi\u00f3 privada no existeix cap garantia de rendibilitat. El m\u00e9s responsable \u00e9s fixar per contracte un inter\u00e8s [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1361,"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":[23],"tags":[],"class_list":["post-1360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-riscos-i-garanties"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Inversions amb retorn garantit: qu\u00e8 significa<\/title>\n<meta name=\"description\" content=\"Qu\u00e8 significa de deb\u00f2 \u00abretorn garantit\u00bb: qu\u00e8 cobreix un contracte, garanties possibles, riscos i l\u00edmits legals. 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","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/pierclub.com\/ca\/inversions-amb-retorn-garantit-que-significa-realment\/#faq-question-1757684748316","position":3,"url":"https:\/\/pierclub.com\/ca\/inversions-amb-retorn-garantit-que-significa-realment\/#faq-question-1757684748316","name":"Puc sortir abans del venciment?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No \u00e9s l\u2019habitual. El pr\u00e9stec t\u00e9 <strong>termini tancat<\/strong>. Si prioritzeu la liquiditat, valoreu diversificar.  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","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/pierclub.com\/ca\/inversions-amb-retorn-garantit-que-significa-realment\/#faq-question-1757684774025","position":5,"url":"https:\/\/pierclub.com\/ca\/inversions-amb-retorn-garantit-que-significa-realment\/#faq-question-1757684774025","name":"Com tributen els interessos?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Com a <strong>rendiments del capital mobiliari<\/strong>. Es pot aplicar <strong>retenci\u00f3<\/strong>. El net dep\u00e8n de la vostra fiscalitat. ","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/pierclub.com\/ca\/inversions-amb-retorn-garantit-que-significa-realment\/#faq-question-1757684785620","position":6,"url":"https:\/\/pierclub.com\/ca\/inversions-amb-retorn-garantit-que-significa-realment\/#faq-question-1757684785620","name":"En qu\u00e8 es diferencia d\u2019un dip\u00f2sit bancari?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No \u00e9s un producte garantit pel Fons de Garantia de Dip\u00f2sits ni ofereix liquiditat immediata. \u00c9s inversi\u00f3 privada amb retorn definit per contracte i garanties privades. 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