{"id":2086,"date":"2025-09-18T13:13:45","date_gmt":"2025-09-18T11:13:45","guid":{"rendered":"https:\/\/info.vivendex.com\/retail\/?p=2086"},"modified":"2025-09-18T13:25:12","modified_gmt":"2025-09-18T11:25:12","slug":"com-financar-el-teu-local-comercial-a-barcelona","status":"publish","type":"post","link":"https:\/\/info.vivendex.com\/retail\/ca\/com-financar-el-teu-local-comercial-a-barcelona\/","title":{"rendered":"Com finan\u00e7ar el teu local comercial a Barcelona"},"content":{"rendered":"<p>Descobreix els passos, els tipus d\u2019hipoteques existents, les despeses associades a la compra i altres alternatives disponibles per finan\u00e7ar el teu local comercial a Barcelona amb total seguretat.<\/p>\n<p>Un dels principals obstacles als quals s\u2019enfronten els compradors de locals comercials \u00e9s el finan\u00e7ament. A difer\u00e8ncia de la compra d\u2019un habitatge, <strong>les hipoteques per a locals comercials solen ser m\u00e9s restrictives<\/strong>. Per aix\u00f2, planificar el finan\u00e7ament abans de fer una oferta \u00e9s fonamental.<\/p>\n<p>En aquest article t\u2019expliquem com funcionen les <a href=\"https:\/\/info.vivendex.com\/retail\/ca\/ca-es-retail-com-solicitar-hipoteca-local-comercial\/\">hipoteques per a locals comercials<\/a>, quin percentatge de finan\u00e7ament sol ser l\u2019habitual, quins s\u00f3n els terminis d\u2019amortitzaci\u00f3 m\u00e0xims i quines alternatives existeixen si una hipoteca tradicional no \u00e9s suficient. A m\u00e9s, t\u2019expliquem com des de Vivendex Business &amp; Retail et podem ajudar a <strong>trobar el finan\u00e7ament m\u00e9s adequat<\/strong> perqu\u00e8 la teva inversi\u00f3 sigui segura i rendible.<\/p>\n<div id=\"cta\"><div class=\"cta_tipo1\"><div class=\"imagenCTA\"><img decoding=\"async\" class=\"imgCTA\" src=\"https:\/\/info.vivendex.com\/retail\/wp-content\/uploads\/2025\/03\/cta-guia-compra-local2.jpg\"\/><\/div><div class=\"texto\"><div class=\"contenedor\"><p class=\"tituloCTA\"><a class=\"linkCTA titleCTA\" href=\"https:\/\/info.vivendex.com\/retail\/ca\/guia-de-compra-local-comercial\/?utm_source=Blog&utm_medium=CTA&utm_campaign=guia_compra_local_ca&utm_gen=utmdc\">A la recerca d'un local comercial?<\/a><\/p><p class=\"subtituloCTA\">Guia per encertar amb la compra del teu local<\/p><div class=\"botonCTA\"><a class=\"linkCTA botontextCTA\" href=\"https:\/\/info.vivendex.com\/retail\/ca\/guia-de-compra-local-comercial\/?utm_source=Blog&utm_medium=CTA&utm_campaign=guia_compra_local_ca&utm_gen=utmdc\">Descarregar Guia<\/a><\/div><\/div><\/div><\/div><style>.cta_tipo1 {font-family: \"muli\";width: 100%;max-width: 100%;height: 225px;margin: 0 auto;box-sizing: border-box;flex-wrap: nowrap;display: flex;justify-content: center;align-items: center;overflow: hidden;background: #fff;position: relative;}.cta_tipo1 .imagenCTA {width: 55%;top: 0;left: 0;height: 100%;}.cta_tipo1 .imagenCTA img {width: 100%;height: 100%;object-fit: cover;}.cta_tipo1 .texto {position: relative;background-color: #006a8e;width: 45%;height: 100%;z-index: 2;}.cta_tipo1 .texto .contenedor {width: 100%;height: 100%;display: flex;flex-direction: column;align-items: center;justify-content: center;}.cta_tipo1 .texto .contenedor p {font-weight: bold;text-transform: uppercase;text-align: center;margin: 0;}.cta_tipo1 .texto .contenedor p.tituloCTA {margin-bottom: 10px;width: 94%;line-height: initial;}.cta_tipo1 .texto .contenedor p a.linkCTA.titleCTA {color: #d4cfca;font-size: 20px;}.cta_tipo1 .texto .contenedor p.subtituloCTA {color:#fff;font-weight: normal;font-size: 16px;text-transform: none;margin: 5px 20px 20px;}.cta_tipo1 .texto .contenedor p a {text-decoration: none;color: #fff;}.cta_tipo1 .botonCTA {display: flex;}.cta_tipo1 .botonCTA a {font-size: 14px;background: #fff;padding: 15px 10px;color: #006a8e;text-decoration: none;border-radius: 0px;}@media (max-width:600px) {.cta_tipo1 {height: auto;flex-wrap: wrap;}.cta_tipo1 .imagenCTA {height: 200px;width: 100%;}.cta_tipo1 .texto {padding-top: 10px;width: 100%;}.cta_tipo1 .botonCTA {margin-top: 10px;margin-bottom: 20px;}}<\/style><\/div>\n<p>&nbsp;<\/p>\n<h2>Com s\u00f3n les hipoteques per a locals comercials?<\/h2>\n<p>Abans de plantejar-te una compra o fer una oferta per algun local, \u00e9s imprescindible que coneguis les teves possibilitats reals d\u2019accedir a una hipoteca. Per aix\u00f2, <strong>valora la teva situaci\u00f3 personal i calcula les despeses<\/strong> associades a l\u2019operaci\u00f3 (preu de l\u2019immoble, <a href=\"https:\/\/info.vivendex.com\/retail\/es-retail-impuestos-en-la-compra-de-un-local-iva-o-itp\/\">impostos de compra<\/a>, despeses notarials, comissions, possibles reformes&#8230;). Nom\u00e9s d\u2019aquesta manera podr\u00e0s estimar el preu m\u00e0xim que et pots permetre sense comprometre la teva estabilitat econ\u00f2mica.<\/p>\n<p>A l\u2019hora de concedir un pr\u00e9stec per a un local comercial, les entitats financeres valoren principalment aquests dos aspectes:<\/p>\n<ul>\n<li><strong>La garantia real<\/strong>: es refereix al valor de taxaci\u00f3 de l\u2019immoble que es vol comprar. Sobre aquest valor s\u2019aplicar\u00e0 un percentatge de finan\u00e7ament.<\/li>\n<li><strong>La capacitat de pagament del comprador<\/strong>: s\u2019avaluen els ingressos del comprador i la seva capacitat d\u2019endeutament.<\/li>\n<\/ul>\n<h3>Percentatge de finan\u00e7ament per a locals<\/h3>\n<p>En el cas de les hipoteques per a locals comercials, el m\u00e9s habitual \u00e9s que els bancs financin <strong>entre el 65% i el 70% del valor de taxaci\u00f3<\/strong> de l\u2019immoble. Aix\u00f2 obligar\u00e0 el comprador a necessitar una quantitat m\u00e9s gran d\u2019estalvis inicials per accedir a un local en propietat.<\/p>\n<p>Abans de fer una oferta, \u00e9s molt recomanable comptar amb una <strong>aprovaci\u00f3 pr\u00e8via de la hipoteca<\/strong>, ja que aix\u00f2 no nom\u00e9s et dona seguretat sobre les teves possibilitats de finan\u00e7ament, sin\u00f3 que tamb\u00e9 refor\u00e7a la teva posici\u00f3 en la negociaci\u00f3 amb el propietari.<\/p>\n<p>*<em>Difer\u00e8ncia respecte a habitatge:<\/em> en la compra d\u2019un habitatge, normalment es finan\u00e7a fins al 80% del valor de l\u2019immoble, sempre que la quota mensual no superi el 30% o 40% dels ingressos del comprador.<\/p>\n<h3>Termini d\u2019amortitzaci\u00f3 per a locals<\/h3>\n<p>De mitjana, el termini d\u2019amortitzaci\u00f3 per a locals comercials <strong>no sol superar els 15 o 20 anys<\/strong>. Tenint en compte que l\u2019import a pagar sol ser tamb\u00e9 superior, les entitats banc\u00e0ries perceben aquest tipus de pr\u00e9stecs com un risc, de manera que estableixen requisits m\u00e9s exigents per evitar el <strong>risc d\u2019impagament<\/strong> per part del comprador.<\/p>\n<p><em>*Difer\u00e8ncia respecte a habitatge:<\/em> les hipoteques per a habitatge solen tenir terminis d\u2019amortitzaci\u00f3 molt m\u00e9s amplis que en el cas dels locals, normalment fins a 25 o 30 anys.<\/p>\n<ul>\n<li>Potser et pot interessar: <a href=\"https:\/\/info.vivendex.com\/retail\/invertir-en-la-compra-de-un-local-comercial\/\">Invertir en la compra d\u2019un local comercial: Qu\u00e8 cal tenir en compte?<\/a><\/li>\n<\/ul>\n<h3>Interessos hipotecaris per a locals<\/h3>\n<p>Els interessos hipotecaris per a locals comercials <strong>solen ser una mica m\u00e9s alts<\/strong> que els de les <a href=\"https:\/\/info.vivendex.com\/ca\/hipoteques-a-catalunya-el-2025-claus-per-entendre-el-nou-cicle\/\">hipoteques d\u2019habitatge<\/a> a causa del major risc que assumeixen les entitats financeres. \u00c9s important <strong>comparar diverses ofertes i considerar<\/strong> no nom\u00e9s el tipus d\u2019inter\u00e8s, sin\u00f3 tamb\u00e9 possibles comissions, despeses d\u2019obertura i flexibilitat del pr\u00e9stec. Un inter\u00e8s lleugerament m\u00e9s alt pot compensar-se amb unes condicions m\u00e9s favorables en altres aspectes de la hipoteca, com terminis d\u2019amortitzaci\u00f3 o la possibilitat de car\u00e8ncia.<\/p>\n<p><em>*Difer\u00e8ncia respecte a habitatge:<\/em> les hipoteques per a habitatge (sobretot en el cas d\u2019habitatge habitual) solen oferir uns tipus d\u2019inter\u00e8s m\u00e9s redu\u00efts que les hipoteques per a locals comercials.<\/p>\n<h3>Despeses d\u2019hipoteca per a locals<\/h3>\n<p>A m\u00e9s dels interessos, en contractar una hipoteca per a un local comercial conv\u00e9 tenir en compte les despeses associades a l\u2019operaci\u00f3, ja que aquestes influeixen directament en el cost total de la compra. Entre les despeses d\u2019hipoteca per a locals m\u00e9s habituals, s\u2019inclouen:<\/p>\n<ul>\n<li><strong>Comissi\u00f3 d\u2019obertura:<\/strong> un percentatge sobre l\u2019import del pr\u00e9stec que cobra el banc per formalitzar la hipoteca.<\/li>\n<li><strong>Despeses de <a href=\"https:\/\/info.vivendex.com\/retail\/es-retail-gestion-patrimonial-diferencias-tasacion-valoracion\/\">taxaci\u00f3<\/a>:<\/strong> necess\u00e0ries per determinar el valor real de l\u2019immoble i calcular el percentatge de finan\u00e7ament.<\/li>\n<li><strong>Notaria i registre:<\/strong> costos derivats de la formalitzaci\u00f3 de l\u2019escriptura de compravenda i de la inscripci\u00f3 de la hipoteca al Registre de la Propietat.<\/li>\n<li><strong>Assegurances<\/strong>: algunes entitats exigeixen assegurances d\u2019incendis o multirisc sobre el local per protegir la inversi\u00f3.<\/li>\n<\/ul>\n<h6><a href=\"https:\/\/info.vivendex.com\/retail\/asegura-tu-local-comercial\/?utm_source=Blog&#038;utm_medium=CTA&#038;utm_campaign=asegura_tu_local&#038;utm_gen=utmdc\">Assegurances per a locals<\/a><\/h6>\n<p>A m\u00e9s de les despeses associades a la hipoteca, tamb\u00e9 has de tenir en compte les despeses associades a la compra del local, com el pagament d\u2019IVA o Impost de Transmissions Patrimonials. Per saber quin impost haur\u00e0s de pagar en el teu cas i a quant ascendeix, pots descarregar la nostra <a href=\"https:\/\/info.vivendex.com\/retail\/fiscalidad-en-la-compra-de-un-inmueble\/?utm_source=Blog&#038;utm_medium=CTA&#038;utm_campaign=fiscalidad_compra_local_es&#038;utm_gen=utmdc\">Infografia Fiscalitat en la compra d\u2019un local<\/a>.<\/p>\n<div id=\"cta\"><div class=\"cta_tipo1\"><div class=\"imagenCTA\"><img decoding=\"async\" class=\"imgCTA\" src=\"https:\/\/info.vivendex.com\/retail\/wp-content\/uploads\/2025\/02\/cta-fiscalidad-compra-local.jpg\"\/><\/div><div class=\"texto\"><div class=\"contenedor\"><p class=\"tituloCTA\"><a class=\"linkCTA titleCTA\" href=\"https:\/\/info.vivendex.com\/retail\/fiscalidad-en-la-compra-de-un-inmueble\/?utm_source=Blog&amp;utm_medium=CTA&amp;utm_campaign=fiscalidad_compra_local_es&amp;utm_gen=utmdc\">Impuestos en la compra de un local<\/a><\/p><p class=\"subtituloCTA\">\u00bfIVA o ITP? Conoce qu\u00e9 impuestos pagar\u00e1s en cada caso<\/p><div class=\"botonCTA\"><a class=\"linkCTA botontextCTA\" href=\"https:\/\/info.vivendex.com\/retail\/fiscalidad-en-la-compra-de-un-inmueble\/?utm_source=Blog&amp;utm_medium=CTA&amp;utm_campaign=fiscalidad_compra_local_es&amp;utm_gen=utmdc\">Descargar Infograf\u00eda<\/a><\/div><\/div><\/div><\/div><style>.cta_tipo1 {font-family: \"muli\";width: 100%;max-width: 100%;height: 225px;margin: 0 auto;box-sizing: border-box;flex-wrap: nowrap;display: flex;justify-content: center;align-items: center;overflow: hidden;background: #fff;position: relative;}.cta_tipo1 .imagenCTA {width: 55%;top: 0;left: 0;height: 100%;}.cta_tipo1 .imagenCTA img {width: 100%;height: 100%;object-fit: cover;}.cta_tipo1 .texto {position: relative;background-color: #006a8e;width: 45%;height: 100%;z-index: 2;}.cta_tipo1 .texto .contenedor {width: 100%;height: 100%;display: flex;flex-direction: column;align-items: center;justify-content: center;}.cta_tipo1 .texto .contenedor p {font-weight: bold;text-transform: uppercase;text-align: center;margin: 0;}.cta_tipo1 .texto .contenedor p.tituloCTA {margin-bottom: 10px;width: 94%;line-height: initial;}.cta_tipo1 .texto .contenedor p a.linkCTA.titleCTA {color: #d4cfca;font-size: 20px;}.cta_tipo1 .texto .contenedor p.subtituloCTA {color:#fff;font-weight: normal;font-size: 16px;text-transform: none;margin: 5px 20px 20px;}.cta_tipo1 .texto .contenedor p a {text-decoration: none;color: #fff;}.cta_tipo1 .botonCTA {display: flex;}.cta_tipo1 .botonCTA a {font-size: 14px;background: #fff;padding: 15px 10px;color: #006a8e;text-decoration: none;border-radius: 0px;}@media (max-width:600px) {.cta_tipo1 {height: auto;flex-wrap: wrap;}.cta_tipo1 .imagenCTA {height: 200px;width: 100%;}.cta_tipo1 .texto {padding-top: 10px;width: 100%;}.cta_tipo1 .botonCTA {margin-top: 10px;margin-bottom: 20px;}}<\/style><\/div>\n<p>&nbsp;<\/p>\n<h2>Altres opcions de finan\u00e7ament per a locals<\/h2>\n<p>Si no compleixes els requisits per accedir a una hipoteca per al teu local comercial, existeixen altres alternatives que poden ajudar-te a adquirir el teu local sense renunciar al teu projecte:<\/p>\n<h3>Pr\u00e9stecs personals<\/h3>\n<p>Els pr\u00e9stecs personals s\u00f3n una opci\u00f3 quan es necessita <strong>finan\u00e7ar de manera total o parcial la compra d\u2019un local<\/strong>. Solen ser m\u00e9s flexibles que les hipoteques, encara que els interessos poden ser superiors i els terminis d\u2019amortitzaci\u00f3 m\u00e9s curts. Aquesta opci\u00f3 pot ser adequada per a locals de menor import o per cobrir la difer\u00e8ncia entre el teu estalvi i el pr\u00e9stec hipotecari que puguis aconseguir.<\/p>\n<h3>Lloguer amb opci\u00f3 a compra<\/h3>\n<p>Un contracte de lloguer amb opci\u00f3 a compra pot ser una bona alternativa per als aut\u00f2noms que estiguin dubtant entre comprar o llogar un local. Tamb\u00e9 \u00e9s una alternativa molt interessant <strong>si el comprador necessita temps<\/strong> per reunir el finan\u00e7ament necessari o fins i tot per provar la viabilitat de la ubicaci\u00f3 del local abans de comprometre\u2019s oficialment amb la compra.<\/p>\n<p>El lloguer amb opci\u00f3 a compra d\u2019un local <strong>permet l\u2019\u00fas immediat del local<\/strong>, per la qual cosa tamb\u00e9 \u00e9s una pr\u00e0ctica que sol dur-se a terme mentre es concreten les condicions espec\u00edfiques d\u2019una compra posterior.<\/p>\n<p>En el nostre article <a href=\"https:\/\/info.vivendex.com\/retail\/contratos-alquiler-opcion-compra-locales\/\">Contractes de lloguer amb opci\u00f3 a compra en locals comercials<\/a> t\u2019expliquem tots els detalls sobre aquesta alternativa per finan\u00e7ar la compra d\u2019un local.<\/p>\n<h2>El millor finan\u00e7ament per al teu local<\/h2>\n<p>A Vivendex Business &amp; Retail comptem amb un departament especialitzat en finan\u00e7ament que t\u2019acompanya durant tot el teu <a href=\"https:\/\/www.vivendexretail.com\/servicios\/compradores.jsp\">proc\u00e9s de compra<\/a>. Especialitzats en la <strong>gesti\u00f3 de locals comercials a Barcelona<\/strong>, els nostres agents immobiliaris analitzen la teva situaci\u00f3 econ\u00f2mica, estudien les opcions que tens disponibles i t\u2019assessoren perqu\u00e8 obtinguis les condicions de finan\u00e7ament m\u00e9s avantatjoses.<\/p>\n<p>A m\u00e9s, t\u2019ajudem a:<\/p>\n<ul>\n<li><strong>Simular<\/strong> les quotes de la teva hipoteca i els costos totals de l\u2019operaci\u00f3.<\/li>\n<li><strong>Negociar<\/strong> amb les entitats financeres, buscant les millors taxes d\u2019inter\u00e8s i condicions d\u2019amortitzaci\u00f3.<\/li>\n<li><strong>Explorar<\/strong> alternatives de finan\u00e7ament si una hipoteca tradicional no \u00e9s suficient, com pr\u00e9stecs personals o lloguer amb opci\u00f3 a compra.<\/li>\n<\/ul>\n<p>El nostre objectiu \u00e9s que puguis centrar-te en el teu negoci, mentre nosaltres ens encarreguem de trobar el finan\u00e7ament que faci possible la compra del teu local de manera segura i eficient.<\/p>\n<p>Si iniciar\u00e0s la compra d\u2019un local, potser la nostra <strong>Guia de compra<\/strong> t\u2019ajudi a establir les bases del que necessitar\u00e0s. Qu\u00e8 has de tenir en compte per encertar amb el local? Quins costos haur\u00e0s d\u2019assumir? Quins documents necessitar\u00e0s per formalitzar la compra? Resol tots aquests dubtes i obt\u00e9n molta m\u00e9s informaci\u00f3 extra en la nostra <a href=\"https:\/\/info.vivendex.com\/retail\/ca\/guia-de-compra-local-comercial\/\">Guia de compra de locals<\/a>.<\/p>\n<h6><a href=\"https:\/\/info.vivendex.com\/retail\/ca\/guia-de-compra-local-comercial\/\">Descarregar Guia de Compra<\/a><\/h6>\n","protected":false},"excerpt":{"rendered":"<p>Descobreix els passos, els tipus d\u2019hipoteques, les despeses associade i altres alternatives per finan\u00e7ar el teu local comercial a Barcelona.<\/p>\n","protected":false},"author":3,"featured_media":2084,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[37],"tags":[40,66],"class_list":["post-2086","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-locals-comercials","tag-comprar-local-comercial-ca","tag-impuestos-de-locales-ca"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Com finan\u00e7ar el teu local comercial a Barcelona<\/title>\n<meta name=\"description\" content=\"Descobreix els passos, els tipus d\u2019hipoteques, les despeses associade i altres alternatives per finan\u00e7ar el teu local comercial a Barcelona.\" \/>\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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