{"id":1877,"date":"2026-08-31T10:34:47","date_gmt":"2026-08-31T10:34:47","guid":{"rendered":"https:\/\/pierclub.com\/com-invertir-en-prestecs-participatius-immobiliaris-a-espanya-2026\/"},"modified":"2026-11-09T15:17:00","modified_gmt":"2026-11-09T15:17:00","slug":"com-invertir-en-prestecs-participatius-immobiliaris-a-espanya-2026","status":"publish","type":"post","link":"https:\/\/pierclub.com\/ca\/com-invertir-en-prestecs-participatius-immobiliaris-a-espanya-2026\/","title":{"rendered":"Com invertir en pr\u00e9stecs participatius immobiliaris a Espanya (2026)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Si vols <strong>invertir en pr\u00e9stecs participatius immobiliaris a Espanya<\/strong>, conv\u00e9 entendre primer qu\u00e8 \u00e9s exactament aquest instrument, en qu\u00e8 es diferencia del <em>crowdlending<\/em> immobiliari i qu\u00e8 has de revisar abans d\u2019invertir-hi els teus diners. En aquesta guia t\u2019ho expliquem de manera clara i veur\u00e0s on encaixa el model de Pier Club. <\/p>\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 \u00e9s un pr\u00e9stec participatiu immobiliari?<\/h2>\n\n<p class=\"wp-block-paragraph\">Un pr\u00e9stec participatiu \u00e9s una forma de finan\u00e7ament regulada a Espanya per l\u2019article 20 del <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-1996-13002\" target=\"_blank\" rel=\"noopener noreferrer\">Reial decret llei 7\/1996<\/a>. L\u2019inversor presta capital a un projecte i rep un inter\u00e8s que pot combinar una part fixa amb una altra de variable vinculada a l\u2019evoluci\u00f3 del projecte. Quan aquest projecte \u00e9s immobiliari (compra, rehabilitaci\u00f3, lloguer o venda d\u2019immobles), parlem de pr\u00e9stec participatiu immobiliari. T\u2019ho expliquem en detall a <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>.   <\/p>\n\n<h2 class=\"wp-block-heading\">Pr\u00e9stecs participatius vs. crowdlending immobiliari<\/h2>\n\n<p class=\"wp-block-paragraph\">\u00c9s habitual confondre tots dos conceptes perqu\u00e8 sovint es busquen amb les mateixes paraules, per\u00f2 no s\u00f3n exactament el mateix:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Crowdlending immobiliari:<\/strong> plataformes de finan\u00e7ament participatiu en qu\u00e8 molts inversors presten a promotors a trav\u00e9s d\u2019un intermediari. A Espanya, aquestes plataformes operen sota el Reglament europeu de crowdfunding (ECSP) i estan registrades i supervisades per la <a href=\"https:\/\/www.cnmv.es\" target=\"_blank\" rel=\"noopener noreferrer\">CNMV<\/a>. <\/li>\n\n\n\n<li><strong>Pr\u00e9stec participatiu amb un club d\u2019inversi\u00f3:<\/strong> el model de Pier Club. L\u2019operaci\u00f3 s\u2019estructura directament entre el club i l\u2019inversor, amb un retorn definit i el <strong>suport d\u2019un actiu immobiliari com a garantia<\/strong>. A m\u00e9s, Pier Club coinverteix el seu propi capital en els mateixos projectes.  <\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">En tots dos casos actues com a creditor i recuperes el principal m\u00e9s els interessos al venciment. Abans d\u2019invertir, revisa sempre el marc i les condicions de cada operador. <\/p>\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 cal mirar abans d\u2019invertir<\/h2>\n\n<ul class=\"wp-block-list\">\n<li><strong>Garantia:<\/strong> si l\u2019operaci\u00f3 est\u00e0 avalada per un actiu immobiliari i amb quina prelaci\u00f3.<\/li>\n\n\n\n<li><strong>Rendibilitat i termini:<\/strong> el tipus d\u2019inter\u00e8s i l\u2019horitz\u00f3 temporal. Consulta <a href=\"https:\/\/pierclub.com\/ca\/quina-rendibilitat-podeu-esperar-dun-prestec-participatiu-immobiliari\/\">quina rendibilitat pots esperar<\/a>. <\/li>\n\n\n\n<li><strong>Tiquet m\u00ednim:<\/strong> l\u2019import a partir del qual pots comen\u00e7ar (a Pier Club, des de 1.000 \u20ac).<\/li>\n\n\n\n<li><strong>Liquiditat:<\/strong> normalment la inversi\u00f3 es mant\u00e9 fins al venciment.<\/li>\n\n\n\n<li><strong>Risc:<\/strong> tota inversi\u00f3 comporta risc. Apr\u00e8n a <a href=\"https:\/\/pierclub.com\/ca\/com-minimitzar-el-risc-en-inversions-immobiliaries-participatives\/\">minimitzar-lo<\/a>. <\/li>\n\n\n\n<li><strong>Fiscalitat:<\/strong> els interessos tributen com a rendiment del capital. Consulta els <a href=\"https:\/\/pierclub.com\/ca\/avantatges-fiscals-dels-prestecs-participatius-i-el-que-heu-de-saber\/\">avantatges fiscals<\/a>. <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">Com invertir amb Pier Club, pas a pas<\/h2>\n\n<p class=\"wp-block-paragraph\">Pier Club \u00e9s un club d\u2019inversi\u00f3 espanyol, amb equip a Girona i Barcelona, especialitzat en pr\u00e9stecs participatius immobiliaris avalats per actius, amb inversions des de 1.000 \u20ac i un retorn definit. Pots veure el proc\u00e9s complet a <a href=\"https:\/\/pierclub.com\/ca\/com-funciona\/\">com funciona una inversi\u00f3 amb Pier Club<\/a> pas a pas i un cas real a <a href=\"https:\/\/pierclub.com\/ca\/invertir-a-lombok-amb-pier-club-investments-guia-i-projecte-real\/\">invertir a Lombok<\/a>. <\/p>\n\n<h2 class=\"wp-block-heading\">Preguntes freq\u00fcents<\/h2>\n\n<h3 class=\"wp-block-heading\">\u00c9s el mateix un pr\u00e9stec participatiu que el crowdlending?<\/h3>\n\n<p class=\"wp-block-paragraph\">No exactament. El crowdlending immobiliari es canalitza a trav\u00e9s de plataformes de finan\u00e7ament participatiu regulades per la CNMV; el pr\u00e9stec participatiu amb un club d\u2019inversi\u00f3 com Pier Club s\u2019estructura directament amb l\u2019inversor i est\u00e0 avalat per un actiu immobiliari. <\/p>\n\n<h3 class=\"wp-block-heading\">A partir de quant es pot comen\u00e7ar a invertir?<\/h3>\n\n<p class=\"wp-block-paragraph\">Amb Pier Club, des de 1.000 \u20ac.<\/p>\n\n<h3 class=\"wp-block-heading\">Quina rendibilitat ofereix?<\/h3>\n\n<p class=\"wp-block-paragraph\">Dep\u00e8n del projecte i de les condicions de cada operaci\u00f3; el retorn \u00e9s definit i les operacions estan avalades per actius immobiliaris. Tota inversi\u00f3 comporta risc. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si vols invertir en pr\u00e9stecs participatius immobiliaris a Espanya, conv\u00e9 entendre primer qu\u00e8 \u00e9s exactament aquest instrument, en qu\u00e8 es [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1878,"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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