{"id":14843,"date":"2026-05-05T12:28:29","date_gmt":"2026-05-05T10:28:29","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/?p=14843"},"modified":"2026-05-05T12:36:26","modified_gmt":"2026-05-05T10:36:26","slug":"el-cost-de-l-asseguranca-no-pot-inflar-els-interessos-del-prestec-2","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/es\/el-cost-de-l-asseguranca-no-pot-inflar-els-interessos-del-prestec-2\/","title":{"rendered":"El cost de l\u2019asseguran\u00e7a no pot inflar els interessos del pr\u00e9stec"},"content":{"rendered":"<h5>Una sent\u00e8ncia del TJUE posa el focus en una pr\u00e0ctica freq\u00fcent en els cr\u00e8dits al consum: aplicar interessos no sols sobre els diners lliurats al client, sin\u00f3 tamb\u00e9 sobre costos associats al pr\u00e9stec. Quan un pr\u00e9stec inclou assegurances, comissions o altres despeses, no tot pot tractar-se com a capital finan\u00e7at. I aquesta difer\u00e8ncia pot tenir conseq\u00fc\u00e8ncies econ\u00f2miques importants.<\/h5>\n<hr \/>\n<p>En molts pr\u00e9stecs al consum, l&#8217;import que apareix en el contracte no coincideix exactament amb els diners que acaba rebent el consumidor.<\/p>\n<p>A vegades, una part es destina directament al pagament d&#8217;una asseguran\u00e7a, una comissi\u00f3 o una altra despesa vinculada a l&#8217;operaci\u00f3. El client no disposa realment d&#8217;aquests diners, per\u00f2 el banc els incorpora al pr\u00e9stec i, en alguns casos, aplica interessos, sobre tot el conjunt. Aqu\u00ed \u00e9s on hi ha el conflicte.<\/p>\n<p>El Tribunal de Just\u00edcia de la UE (TJUE) en una sent\u00e8ncia de 23 d&#8217;abril de 2026, assumpte C-744\/24, ha assenyalat que el tipus d&#8217;inter\u00e8s del pr\u00e9stec ha d&#8217;aplicar-se sobre l&#8217;import del cr\u00e8dit utilitzat, no sobre quantitats que s\u00f3n costos del cr\u00e8dit.<\/p>\n<ul>\n<li><strong>Atenci\u00f3.<\/strong> Si en un pr\u00e9stec personal es va finan\u00e7ar una asseguran\u00e7a, conv\u00e9 revisar si el banc va aplicar interessos tamb\u00e9 sobre aquesta prima.<\/li>\n<\/ul>\n<h3><strong>L&#8217;asseguran\u00e7a pot formar part del cost del cr\u00e8dit, per\u00f2 no del capital usat<\/strong><\/h3>\n<p>La sent\u00e8ncia analitza un cas en el qual el consumidor va contractar un pr\u00e9stec i una part de l&#8217;import es va destinar al pagament d&#8217;una asseguran\u00e7a de cr\u00e8dit. Encara que l&#8217;asseguran\u00e7a es definia com a volunt\u00e0ria, la seva contractaci\u00f3 permetia obtenir millors condicions. Per tant, en la pr\u00e0ctica, aquest cost estava lligat al cr\u00e8dit.<\/p>\n<p>El TJUE ent\u00e9n que aquesta prima forma part del cost total del cr\u00e8dit per al consumidor. Per\u00f2 precisament per aix\u00f2 no es pot confondre amb el capital efectivament posat a la seva disposici\u00f3.<\/p>\n<p>Dit de manera senzilla: una cosa \u00e9s els diners que el client pot usar i una altra els costos que paga per obtenir el pr\u00e9stec.<\/p>\n<ul>\n<li><strong>Atenci\u00f3.<\/strong> Que un sigui finan\u00e7at dins del pr\u00e9stec no significa que pugui tractar-se autom\u00e0ticament com a capital generador d&#8217;interessos.<\/li>\n<\/ul>\n<p><strong>Pensem en un exemple senzill.<\/strong> Una persona sol\u00b7licita un pr\u00e9stec de 20.000 euros. D&#8217;aquesta quantitat, rep 18.500 euros i els 1.500 euros restants es destinen directament a pagar una asseguran\u00e7a associada al cr\u00e8dit. Si el banc calcula interessos sobre els 20.000 euros, est\u00e0 aplicant el tipus deutor tamb\u00e9 sobre una quantitat que el consumidor no ha rebut realment per a la seva lliure disposici\u00f3. Aquest \u00e9s el tipus de pr\u00e0ctica que el TJUE q\u00fcestiona.<\/p>\n<p>En pr\u00e9stecs amb assegurances, comissions finan\u00e7ades o despeses afegides, el cost real pot ser superior al que el consumidor creu estar acceptant.<\/p>\n<h3><strong>La transpar\u00e8ncia de la TAE<\/strong><\/h3>\n<p>El TJUE recorda que la normativa europea sobre cr\u00e8dit al consum busca que el client pugui comparar ofertes i comprendre l&#8217;abast real del seu comprom\u00eds.<\/p>\n<p>Per a aix\u00f2, la informaci\u00f3 sobre el cost total, la TAE i l&#8217;import degut ha de ser clara. Si es barregen capital, asseguran\u00e7a, costos i despeses sota una mateixa base de c\u00e0lcul, el consumidor pot acabar acceptant una operaci\u00f3 sense entendre b\u00e9 quant est\u00e0 pagant i per qu\u00e8.<\/p>\n<h3><strong>Qu\u00e8 pot implicar per a consumidors i entitats financeres<\/strong><\/h3>\n<p>Aquesta sent\u00e8ncia no elimina la possibilitat que existeixin assegurances o altres costos vinculats al cr\u00e8dit. El que impedeix \u00e9s que aquests imports s&#8217;utilitzin com si fossin capital efectivament lliurat al consumidor per a aplicar sobre ells l&#8217;inter\u00e8s contractual.<\/p>\n<p>Per a les entitats financeres, el criteri obliga a revisar com estructuren els seus contractes.<\/p>\n<p>Per als consumidors, obre una via d&#8217;an\u00e0lisi en pr\u00e9stecs ja signats, especialment quan va haver-hi assegurances finan\u00e7ades, despeses incorporades al pr\u00e9stec o imports no rebuts directament.<\/p>\n<ul>\n<li><strong>Atenci\u00f3.<\/strong> No tots els pr\u00e9stecs amb asseguran\u00e7a s\u00f3n reclamables, per\u00f2 s\u00ed que conv\u00e9 revisar aquells en els quals s&#8217;hagin cobrat interessos sobre imports destinats a costos del cr\u00e8dit.<\/li>\n<\/ul>\n<p><em>La sent\u00e8ncia del TJUE refor\u00e7a una idea molt important: en un cr\u00e8dit al consum, no tot import incl\u00f2s en el contracte pot generar interessos. El banc pot cobrar per prestar diners i pot repercutir determinats costos si la normativa ho permet. Per\u00f2 no pot confondre el capital rebut pel consumidor amb les despeses necess\u00e0ries o associades a l&#8217;operaci\u00f3. Per aix\u00f2, abans de signar un pr\u00e9stec, o en revisar un de ja contractat, conv\u00e9 mirar m\u00e9s enll\u00e0 de la quota mensual.<\/em><\/p>\n<p><em>Cal comprovar quin import es va rebre realment, quins costos es van incloure i sobre quina quantitat es van calcular els interessos. Si el pr\u00e9stec inclou assegurances o despeses finan\u00e7ades, una revisi\u00f3 del contracte pot evitar pagaments indeguts o detectar quantitats reclamables.<\/em><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-14072\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2025\/08\/pexels-photo-7988079-1753862016_1753870155image-1-300x167.jpeg\" alt=\"\" width=\"300\" height=\"167\" srcset=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2025\/08\/pexels-photo-7988079-1753862016_1753870155image-1-300x167.jpeg 300w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2025\/08\/pexels-photo-7988079-1753862016_1753870155image-1-768x427.jpeg 768w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2025\/08\/pexels-photo-7988079-1753862016_1753870155image-1-600x333.jpeg 600w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2025\/08\/pexels-photo-7988079-1753862016_1753870155image-1.jpeg 810w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<h5><em>Es poden posar en contacte amb aquest despatx professional per qualsevol dubte o aclariment que puguin tenir sobre aquesta q\u00fcesti\u00f3 trucant al 972 208 258, o per correu electr\u00f2nic adre\u00e7at a juridic@rm-assessors.cat.\u00a0<\/em><\/h5>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Una sent\u00e8ncia del TJUE posa el focus en una pr\u00e0ctica freq\u00fcent en els cr\u00e8dits al consum: aplicar interessos no sols sobre els diners lliurats al client, sin\u00f3 tamb\u00e9 sobre costos associats al pr\u00e9stec. Quan un pr\u00e9stec inclou assegurances, comissions o altres despeses, no tot pot tractar-se com a capital finan\u00e7at. I aquesta difer\u00e8ncia pot tenir [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":14840,"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":""}},"_joinchat":[],"footnotes":""},"categories":[21,17],"tags":[3394,3393,3392],"class_list":["post-14843","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-juridica","tag-bancs-credits-assegurances","tag-interessos-cost-assegurances","tag-interessos-prestecs-assegurances"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>El cost de l\u2019asseguran\u00e7a no pot inflar els interessos del pr\u00e9stec | 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\/es\/el-cost-de-l-asseguranca-no-pot-inflar-els-interessos-del-prestec-2\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El cost de l\u2019asseguran\u00e7a no pot inflar els interessos del pr\u00e9stec | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"Una sent\u00e8ncia del TJUE posa el focus en una pr\u00e0ctica freq\u00fcent en els cr\u00e8dits al consum: aplicar interessos no sols sobre els diners lliurats al client, sin\u00f3 tamb\u00e9 sobre costos associats al pr\u00e9stec. 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