{"id":1710,"date":"2026-02-11T10:00:00","date_gmt":"2026-02-11T09:00:00","guid":{"rendered":"https:\/\/qualiahabitat.es\/?p=1710"},"modified":"2026-07-29T18:30:07","modified_gmt":"2026-07-29T16:30:07","slug":"quant-es-paga-i-quan-en-comprar-sobre-planol","status":"publish","type":"post","link":"https:\/\/qualiahabitat.es\/ca\/quant-es-paga-i-quan-en-comprar-sobre-planol\/","title":{"rendered":"Quant es paga i quan en comprar sobre pl\u00e0nol"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Uno de los aspectos m\u00e1s importantes al adquirir una vivienda sobre plano es entender con claridad cu\u00e1nto se paga y en qu\u00e9 momento. Este tipo de compra divide el coste total en diferentes fases, lo que facilita la planificaci\u00f3n econ\u00f3mica. En <strong>Qualia Habitat<\/strong> te explicamos c\u00f3mo se estructura la inversi\u00f3n de principio a fin.<\/p>\n\n<p class=\"wp-block-paragraph\">La majoria de promocions segueixen un esquema est\u00e0ndard compost per tres blocs principals. El primer \u00e9s el pagament de la reserva, un import redu\u00eft que serveix per confirmar l&#8217;inter\u00e8s del comprador. No forma part del preu final, per\u00f2 es descompta al seg\u00fcent pas.<\/p>\n\n<p class=\"wp-block-paragraph\">El segon bloc \u00e9s el 10% inicial que s&#8217;abona en signar el contracte de compravenda. Aquest import ha d&#8217;estar protegit per una asseguran\u00e7a o aval, garantint-ne la devoluci\u00f3 en cas que l&#8217;obra no arribi a executar-se segons all\u00f2 previst.<\/p>\n\n<p class=\"wp-block-paragraph\">Posteriorment, arriba el 10% durant la construcci\u00f3, dividit en quotes que solen abonar-se trimestralment o semestralment. Aquesta part del proc\u00e9s \u00e9s m\u00e9s flexible, ja que permet coordinar els pagaments segons l\u2019aven\u00e7 de l\u2019obra.<\/p>\n\n<p class=\"wp-block-paragraph\">El tercer i darrer bloc \u00e9s el 80% restant, que es liquida en escripturar l&#8217;habitatge. Aquest tram sol finan\u00e7ar-se mitjan\u00e7ant hipoteca o subrogaci\u00f3. El comprador ha de tenir en compte que, a m\u00e9s a m\u00e9s del preu, haur\u00e0 d&#8217;abonar els impostos aplicables, aix\u00ed com despeses de notaria i registre.<\/p>\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9 \u00e9s important considerar les despeses addicionals associades a la hipoteca: taxaci\u00f3, comissi\u00f3 d&#8217;obertura -si escau- i altres costos relacionats amb la formalitzaci\u00f3 del pr\u00e9stec.<\/p>\n\n<p class=\"wp-block-paragraph\">Una altra part rellevant \u00e9s la previsi\u00f3 de les despeses derivades de la compra, que poden assolir entre el 10 i el 15% del preu de l&#8217;immoble. Tenir un estalvi previ que cobreixi l&#8217;entrada i aquests costos complementaris \u00e9s clau per evitar tensions financeres.<\/p>\n\n<p class=\"wp-block-paragraph\">L&#8217;estructura esglaonada de pagaments converteix la compra sobre pl\u00e0nol en una opci\u00f3 accessible, ja que permet distribuir la inversi\u00f3 durant tot el proc\u00e9s de construcci\u00f3. Entendre cada fase amb exactitud facilita planificar el pressupost i assumir la compra amb m\u00e9s seguretat.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Uno de los aspectos m\u00e1s importantes al adquirir una vivienda sobre plano es entender con claridad cu\u00e1nto se paga y en qu\u00e9 momento. Este tipo de compra divide el coste total en diferentes fases, lo que facilita la planificaci\u00f3n econ\u00f3mica. En Qualia Habitat te explicamos c\u00f3mo se estructura la inversi\u00f3n de principio a fin. La [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1704,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[22],"tags":[],"class_list":["post-1710","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-ca"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quant es paga i quan en comprar sobre pl\u00e0nol - Qualiahabitat<\/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:\/\/qualiahabitat.es\/ca\/quant-es-paga-i-quan-en-comprar-sobre-planol\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quant es paga i quan en comprar sobre pl\u00e0nol - Qualiahabitat\" \/>\n<meta property=\"og:description\" content=\"Uno de los aspectos m\u00e1s importantes al adquirir una vivienda sobre plano es entender con claridad cu\u00e1nto se paga y en qu\u00e9 momento. 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