{"id":15215,"date":"2026-09-16T18:10:13","date_gmt":"2026-09-16T16:10:13","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/?p=15215"},"modified":"2026-09-16T18:10:13","modified_gmt":"2026-09-16T16:10:13","slug":"donacio-o-prestec-com-poden-ajudar-els-pares-a-comprar-un-habitatge","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/en\/donacio-o-prestec-com-poden-ajudar-els-pares-a-comprar-un-habitatge\/","title":{"rendered":"Donaci\u00f3 o pr\u00e9stec: com poden ajudar els pares a comprar un habitatge"},"content":{"rendered":"<h5>L\u2019encariment de l\u2019habitatge fa que, cada vegada m\u00e9s, moltes persones necessitin suport familiar per poder accedir al seu primer habitatge. En aquests casos, els pares poden ajudar els fills de diferents maneres, per\u00f2 no totes tenen el mateix tractament fiscal.<\/h5>\n<p>Una aportaci\u00f3 econ\u00f2mica pot fer-se mitjan\u00e7ant una donaci\u00f3, un pr\u00e9stec entre particulars o, en determinades circumst\u00e0ncies, fins i tot mitjan\u00e7ant la donaci\u00f3 directa d\u2019un immoble. Abans de prendre una decisi\u00f3, \u00e9s important con\u00e8ixer les implicacions fiscals de cada opci\u00f3.<\/p>\n<h3>Donar diners per comprar el primer habitatge<\/h3>\n<p>A Catalunya, les donacions de pares a fills destinades a l\u2019adquisici\u00f3 del primer habitatge habitual poden beneficiar-se d\u2019un r\u00e8gim fiscal espec\u00edfic.<\/p>\n<ul>\n<li>Reducci\u00f3 del 95% de la base imposable, amb reducci\u00f3 m\u00e0xima de 60.000 euros o 120.000 euros si el fill t\u00e9 una discapacitat d\u2019almenys el 65%. A la pr\u00e0ctica aix\u00f2 representa haver de tributar tant sols 150 euros per una donaci\u00f3 de 60.000 euros.<\/li>\n<li>Per aplicar-la, cal que la donaci\u00f3 sigui a un descendent (fills, nets o besnets), que els diners es destinin realment al primer habitatge habitual, que la donaci\u00f3 es formalitzi en escriptura p\u00fablica dins del mes seg\u00fcent al lliurament dels diners, que el donatari tingui com a regla general fins a 36 anys o b\u00e9 discapacitat qualificada, que la seva renda IRPF computable no superi 36.000 euros i que l\u2019adquisici\u00f3 es faci dins del termini legalment exigible, que per prud\u00e8ncia s\u2019ha d\u2019entendre com a m\u00e0xim de tres mesos.<\/li>\n<\/ul>\n<div class=\"conversation-thread\">\n<div class=\"conversation-messages main-content\">\n<div class=\"conversation-message-host system text conversation-message-host-last \">\n<div class=\"conversation-message-host__inner\">\n<div class=\"message-content-wrapper\">\n<div class=\"message-content-actions\"><span style=\"font-size: 16px;\">Per aix\u00f2, abans de fer una transfer\u00e8ncia de diners, \u00e9s recomanable planificar l\u2019operaci\u00f3 i comprovar que es compleixen totes les condicions.<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h3>I si els pares donen directament el pis?<\/h3>\n<ul>\n<li>En aquest cas el fill tamb\u00e9 pot aplicar en l\u2019ISD (Impost sobre successions i donacions) una reducci\u00f3 del 95% del valor de l\u2019habitatge, amb un m\u00e0xim de 60.000 euros o de 120.000 euros si t\u00e9 una discapacitat igual o superior al 65%, sempre que la donaci\u00f3 consti en escriptura p\u00fablica amb finalitat expressa,<\/li>\n<li>El fill ha de complir els mateixos requisits que en el cas de donaci\u00f3 de diners i l\u2019habitatge haur\u00e0 d&#8217;esdevenir, efectivament, la seva resid\u00e8ncia habitual dins dels dotze mesos i es mantingui com a tal durant el per\u00edode ordinari de tres anys<\/li>\n<\/ul>\n<p>Cal tenir en compte que el donant, al igual que en altres casos de donaci\u00f3 o venda, haur\u00e0 de tributar en la seva declaraci\u00f3 de la renda pel possible guany patrimonial (difer\u00e8ncia entre els valors d&#8217;adquisici\u00f3 i de transmissi\u00f3).<\/p>\n<h3>Una tercera opci\u00f3: el pr\u00e9stec entre familiars<\/h3>\n<p>Els pares tamb\u00e9 poden ajudar els fills mitjan\u00e7ant un pr\u00e9stec entre particulars sense interessos, que no haur\u00e0 de tributar.<\/p>\n<p>En aquest cas, el pr\u00e9stec est\u00e0 subjecte a l\u2019Impost sobre Transmissions Patrimonials, per\u00f2 est\u00e0 exempt de tributaci\u00f3. Tot i aix\u00f2, l\u2019operaci\u00f3 s\u2019ha de declarar i cal disposar d\u2019un contracte on quedin clarament establerts, entre altres aspectes, l\u2019import prestat i la forma i els terminis de devoluci\u00f3.<\/p>\n<p>\u00c9s important que el pr\u00e9stec sigui real i que es compleixi el calendari de devoluci\u00f3 acordat. Un pr\u00e9stec plantejat de manera que, en la pr\u00e0ctica, no existeixi una voluntat real de retornar els diners podria ser considerat una donaci\u00f3 encoberta.<\/p>\n<h3>Quina opci\u00f3 \u00e9s millor?<\/h3>\n<p>No existeix una resposta \u00fanica. La millor alternativa dependr\u00e0 de factors com l\u2019import de l\u2019ajuda, el valor i l\u2019antiguitat de l\u2019immoble, la situaci\u00f3 econ\u00f2mica de pares i fills i l\u2019\u00fas que es donar\u00e0 a l\u2019habitatge.<\/p>\n<p>Per aix\u00f2, abans de formalitzar una donaci\u00f3 o un pr\u00e9stec familiar, \u00e9s important analitzar l\u2019operaci\u00f3 des d\u2019un punt de vista fiscal i jur\u00eddic.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-15219\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2026\/09\/Habitatge.5-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2026\/09\/Habitatge.5-300x200.jpg 300w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2026\/09\/Habitatge.5-1024x684.jpg 1024w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2026\/09\/Habitatge.5-768x513.jpg 768w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2026\/09\/Habitatge.5-1536x1025.jpg 1536w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2026\/09\/Habitatge.5-2048x1367.jpg 2048w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2026\/09\/Habitatge.5-600x401.jpg 600w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<h5><em>A RM Assessors t\u2019ajudem a estudiar les diferents alternatives i a estructurar l\u2019operaci\u00f3 perqu\u00e8 puguis prendre una decisi\u00f3 amb tota la informaci\u00f3 i amb seguretat jur\u00eddica.<\/em><\/h5>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019encariment de l\u2019habitatge fa que, cada vegada m\u00e9s, moltes persones necessitin suport familiar per poder accedir al seu primer habitatge. En aquests casos, els pares poden ajudar els fills de diferents maneres, per\u00f2 no totes tenen el mateix tractament fiscal. Una aportaci\u00f3 econ\u00f2mica pot fer-se mitjan\u00e7ant una donaci\u00f3, un pr\u00e9stec entre particulars o, en determinades [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":15216,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"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":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"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":""},"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-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":"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":""},"mobile":{"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":""}},"footnotes":""},"categories":[21,16],"tags":[3508,3507,3509],"class_list":["post-15215","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-fiscal-i-comptable","tag-desgravacions-habitatges-fills","tag-donacio-habitatge-fills","tag-prestecs-a-fills"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Donaci\u00f3 o pr\u00e9stec: com poden ajudar els pares a comprar un habitatge | RM Assessors<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rm-assessors.cat\/en\/donacio-o-prestec-com-poden-ajudar-els-pares-a-comprar-un-habitatge\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Donaci\u00f3 o pr\u00e9stec: com poden ajudar els pares a comprar un habitatge | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"L\u2019encariment de l\u2019habitatge fa que, cada vegada m\u00e9s, moltes persones necessitin suport familiar per poder accedir al seu primer habitatge. 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