{"id":1419,"date":"2026-09-28T12:49:46","date_gmt":"2026-09-28T10:49:46","guid":{"rendered":"https:\/\/hipotecanova.es\/?p=1419"},"modified":"2026-09-11T13:26:28","modified_gmt":"2026-09-11T11:26:28","slug":"quant-triga-banc-aprovar-hipoteca","status":"publish","type":"post","link":"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/","title":{"rendered":"Quant triga un banc a aprovar una hipoteca?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Has trobat un habitatge, has enviat la documentaci\u00f3 i ara comen\u00e7a una de les parts que genera m\u00e9s incertesa durant una compra: <strong>esperar que el banc aprovi la hipoteca.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quant pot trigar? No existeix un termini id\u00e8ntic per a totes les operacions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El temps dependr\u00e0 del teu perfil, de l&#8217;entitat, de la documentaci\u00f3 aportada, de la taxaci\u00f3 i de si l&#8217;expedient necessita aclariments addicionals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, hi ha una difer\u00e8ncia important entre rebre una primera valoraci\u00f3 positiva i tenir la hipoteca completament preparada per signar davant de notari.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quant triga a aprovar-se una hipoteca?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Una operaci\u00f3 hipotec\u00e0ria pot necessitar diverses setmanes des que s&#8217;inicia l&#8217;estudi fins que tot est\u00e0 preparat per a la signatura.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per\u00f2 utilitzar una \u00fanica xifra com a refer\u00e8ncia pot ser engany\u00f3s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un expedient senzill, ben preparat i amb tota la documentaci\u00f3 disponible pot avan\u00e7ar m\u00e9s r\u00e0pid que una operaci\u00f3 amb ingressos variables, finan\u00e7ament elevat, diversos titulars o documentaci\u00f3 pendent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les fases abans de signar una hipoteca<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Estudi inicial de viabilitat<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El primer pas consisteix a analitzar si l&#8217;operaci\u00f3 encaixa de manera general.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Es revisen q\u00fcestions com els ingressos, l&#8217;estabilitat laboral, els pr\u00e9stecs existents, els estalvis, el preu de compra i el finan\u00e7ament necessari.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aquesta primera valoraci\u00f3 \u00e9s \u00fatil, per\u00f2 no s&#8217;ha de confondre amb una aprovaci\u00f3 definitiva.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Lliurament de documentaci\u00f3<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Per estudiar realment l&#8217;operaci\u00f3 ser\u00e0 necessari acreditar la informaci\u00f3 facilitada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si falta documentaci\u00f3, l&#8217;expedient pot quedar aturat fins que s&#8217;aporti la informaci\u00f3 sol\u00b7licitada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, preparar els documents amb antelaci\u00f3 \u00e9s una de les maneres m\u00e9s senzilles d&#8217;evitar retards innecessaris.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. An\u00e0lisi de riscos<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;entitat analitza la solv\u00e8ncia del sol\u00b7licitant i el conjunt del finan\u00e7ament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En aquesta fase es poden sol\u00b7licitar explicacions o documents addicionals si hi ha algun element que requereix una an\u00e0lisi m\u00e9s profunda.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Taxaci\u00f3 de l&#8217;habitatge<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan ja hi ha un habitatge concret, la seva valoraci\u00f3 ser\u00e0 una altra pe\u00e7a important del proc\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La taxaci\u00f3 pot influir en el finan\u00e7ament final i, per tant, tamb\u00e9 pot provocar que sigui necessari ajustar l&#8217;operaci\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Aprovaci\u00f3 i condicions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si l&#8217;entitat aprova l&#8217;operaci\u00f3, arriba el moment de concretar les condicions del finan\u00e7ament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Abans d&#8217;avan\u00e7ar conv\u00e9 revisar el tipus d&#8217;inter\u00e8s, la TAE, el termini, la quota, les comissions, les bonificacions i els productes associats.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. FEIN, FiAE i fase pr\u00e8via a notaria<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan l&#8217;operaci\u00f3 entra en el tram final rebr\u00e0s documentaci\u00f3 precontractual que has de poder revisar abans de la signatura.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entre els documents m\u00e9s importants hi ha la <strong><a href=\"https:\/\/hipotecanova.es\/ca\/blog\/que-es-fein-hipoteca\/\" data-type=\"post\" data-id=\"1343\">FEIN<\/a><\/strong> i la <strong><a href=\"https:\/\/hipotecanova.es\/ca\/blog\/que-es-fiae-hipoteca\/\" data-type=\"post\" data-id=\"1367\">FiAE<\/a><\/strong>, que permeten con\u00e8ixer les condicions de l&#8217;oferta i determinades advert\u00e8ncies rellevants abans de formalitzar el pr\u00e9stec.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, existeix un per\u00edode legal previ a la formalitzaci\u00f3 que s&#8217;ha de respectar. Per tant, tenir l&#8217;operaci\u00f3 aprovada no significa poder anar immediatament al notari.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 pot retardar una hipoteca?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lliurar documentaci\u00f3 incompleta.<\/li>\n\n\n\n<li>Tenir ingressos dif\u00edcils d&#8217;acreditar.<\/li>\n\n\n\n<li>Ser aut\u00f2nom o tenir diverses fonts d&#8217;ingressos.<\/li>\n\n\n\n<li>Sol\u00b7licitar un percentatge elevat de finan\u00e7ament.<\/li>\n\n\n\n<li>Tenir pr\u00e9stecs actius.<\/li>\n\n\n\n<li>Que apareguin dubtes durant l&#8217;an\u00e0lisi de riscos.<\/li>\n\n\n\n<li>Problemes o particularitats relacionades amb l&#8217;immoble.<\/li>\n\n\n\n<li>Que la taxaci\u00f3 obligui a replantejar el finan\u00e7ament.<\/li>\n\n\n\n<li>Canvis en les condicions estudiades inicialment.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Quan hauria de comen\u00e7ar a buscar hipoteca?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Molt abans de tenir una data de notaria al damunt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un dels errors m\u00e9s habituals \u00e9s comen\u00e7ar a estudiar el finan\u00e7ament \u00fanicament despr\u00e9s d&#8217;haver trobat l&#8217;habitatge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fer pr\u00e8viament un estudi de viabilitat permet con\u00e8ixer aproximadament quin pressupost t\u00e9 sentit, quin finan\u00e7ament necessitar\u00e0s i si existeix algun punt del perfil que conv\u00e9 treballar abans de comprar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">I si ja tinc unes arres signades?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En aquest cas, controlar els terminis \u00e9s encara m\u00e9s important.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El contracte pot establir una data m\u00e0xima per completar la compravenda i necessites disposar de prou marge per tramitar el finan\u00e7ament.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, una denegaci\u00f3 de la hipoteca no s&#8217;ha d&#8217;interpretar autom\u00e0ticament com un dret a recuperar els diners lliurats.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Com evitar retards innecessaris<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prepara la documentaci\u00f3 amb antelaci\u00f3.<\/li>\n\n\n\n<li>Calcula pr\u00e8viament la teva capacitat de compra.<\/li>\n\n\n\n<li>Informa correctament dels pr\u00e9stecs i deutes existents.<\/li>\n\n\n\n<li>No esperis que les arres estiguin a punt de v\u00e8ncer.<\/li>\n\n\n\n<li>Respon amb rapidesa quan se&#8217;t demanin nous documents.<\/li>\n\n\n\n<li>Estudia des del principi quines entitats poden encaixar millor amb el teu perfil.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">La rapidesa importa, per\u00f2 les condicions tamb\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quan existeix una data l\u00edmit pot apar\u00e8ixer la temptaci\u00f3 d&#8217;acceptar la primera proposta disponible simplement perqu\u00e8 \u00e9s la que avan\u00e7a m\u00e9s r\u00e0pid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tanmateix, una hipoteca et pot acompanyar durant d\u00e8cades.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sempre que els terminis de l&#8217;operaci\u00f3 ho permetin, conv\u00e9 analitzar les condicions completes i comprovar si existeixen alternatives abans de prendre una decisi\u00f3 definitiva.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ja tens un habitatge i necessites aconseguir la hipoteca?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>Hipoteca Nova<\/strong> analitzem la teva operaci\u00f3, preparem l&#8217;expedient i busquem alternatives entre diferents entitats per trobar un finan\u00e7ament que encaixi amb el teu perfil i amb els terminis de la compra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si ja tens unes arres signades o una data l\u00edmit, \u00e9s especialment important con\u00e8ixer-la des del principi per poder organitzar correctament l&#8217;operaci\u00f3.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/hipotecanova.es\/ca\/serveis\/estudi-hipotecari-personalitzat\/\">Estudiar la meva operaci\u00f3<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Preguntes freq\u00fcents sobre els terminis d&#8217;una hipoteca<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Tenir una preaprovaci\u00f3 significa que la hipoteca ja est\u00e0 concedida?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. Una primera valoraci\u00f3 favorable no substitueix l&#8217;estudi complet de riscos, de la documentaci\u00f3 i de l&#8217;immoble.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">La taxaci\u00f3 pot retardar l&#8217;operaci\u00f3?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed. La seva tramitaci\u00f3 i, especialment, un resultat que obligui a replantejar el finan\u00e7ament poden afectar el calendari previst.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Puc estudiar la hipoteca abans de trobar un habitatge?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed. Fer pr\u00e8viament un estudi de capacitat hipotec\u00e0ria pot ajudar-te a buscar habitatge amb un pressupost molt m\u00e9s realista.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Per qu\u00e8 no puc signar immediatament despr\u00e9s de rebre l&#8217;oferta?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La contractaci\u00f3 hipotec\u00e0ria inclou un per\u00edode legal previ d&#8217;informaci\u00f3 i revisi\u00f3 abans de la formalitzaci\u00f3 definitiva del pr\u00e9stec.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>La informaci\u00f3 continguda en aquest article t\u00e9 car\u00e0cter general. Els terminis de tramitaci\u00f3 depenen de cada entitat, perfil i operaci\u00f3.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Has trobat un habitatge, has enviat la documentaci\u00f3 i ara comen\u00e7a una de les parts que genera m\u00e9s incertesa durant una compra: esperar que el banc aprovi la hipoteca. Quant pot trigar? No existeix un termini id\u00e8ntic per a totes les operacions. El temps dependr\u00e0 del teu perfil, de l&#8217;entitat, de la documentaci\u00f3 aportada, de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1427,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40,41],"tags":[],"class_list":["post-1419","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diccionari-hipotecari","category-guies-de-compra"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quant triga un banc a aprovar una hipoteca? | Hipoteca Nova<\/title>\n<meta name=\"description\" content=\"Descobreix quant pot trigar a aprovar-se una hipoteca, quines fases t\u00e9 el proc\u00e9s i qu\u00e8 pot retardar la signatura del teu habitatge.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quant triga un banc a aprovar una hipoteca? | Hipoteca Nova\" \/>\n<meta property=\"og:description\" content=\"Descobreix quant pot trigar a aprovar-se una hipoteca, quines fases t\u00e9 el proc\u00e9s i qu\u00e8 pot retardar la signatura del teu habitatge.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/\" \/>\n<meta property=\"og:site_name\" content=\"Hipoteca Nova\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-28T10:49:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hipotecanova.es\/wp-content\/uploads\/2026\/09\/hipotecanova_setembre_aprovacio_hipoteca.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Hipoteca Nova\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Hipoteca Nova\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/blog\\\/quant-triga-banc-aprovar-hipoteca\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/blog\\\/quant-triga-banc-aprovar-hipoteca\\\/\"},\"author\":{\"name\":\"Hipoteca Nova\",\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/#\\\/schema\\\/person\\\/d6c13a13b1327c89c957bf216ea433cc\"},\"headline\":\"Quant triga un banc a aprovar una hipoteca?\",\"datePublished\":\"2026-09-28T10:49:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/blog\\\/quant-triga-banc-aprovar-hipoteca\\\/\"},\"wordCount\":1065,\"publisher\":{\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/blog\\\/quant-triga-banc-aprovar-hipoteca\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/hipotecanova.es\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/hipotecanova_setembre_aprovacio_hipoteca.webp\",\"articleSection\":[\"Diccionari hipotecari\",\"Guies de Compra\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/blog\\\/quant-triga-banc-aprovar-hipoteca\\\/\",\"url\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/blog\\\/quant-triga-banc-aprovar-hipoteca\\\/\",\"name\":\"Quant triga un banc a aprovar una hipoteca? | Hipoteca Nova\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/blog\\\/quant-triga-banc-aprovar-hipoteca\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/blog\\\/quant-triga-banc-aprovar-hipoteca\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/hipotecanova.es\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/hipotecanova_setembre_aprovacio_hipoteca.webp\",\"datePublished\":\"2026-09-28T10:49:46+00:00\",\"description\":\"Descobreix quant pot trigar a aprovar-se una hipoteca, quines fases t\u00e9 el proc\u00e9s i qu\u00e8 pot retardar la signatura del teu habitatge.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/blog\\\/quant-triga-banc-aprovar-hipoteca\\\/#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/blog\\\/quant-triga-banc-aprovar-hipoteca\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/blog\\\/quant-triga-banc-aprovar-hipoteca\\\/#primaryimage\",\"url\":\"https:\\\/\\\/hipotecanova.es\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/hipotecanova_setembre_aprovacio_hipoteca.webp\",\"contentUrl\":\"https:\\\/\\\/hipotecanova.es\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/hipotecanova_setembre_aprovacio_hipoteca.webp\",\"width\":1600,\"height\":900,\"caption\":\"hipotecanova_setembre_aprovacio_hipoteca\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/blog\\\/quant-triga-banc-aprovar-hipoteca\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Quant triga un banc a aprovar una hipoteca?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/#website\",\"url\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/\",\"name\":\"Hipoteca Nova\",\"description\":\"Te ayudamos a financiar tu vivienda\",\"publisher\":{\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/#organization\",\"name\":\"Hipoteca Nova\",\"url\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/hipotecanova.es\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/logo_hipoteca_nova.webp\",\"contentUrl\":\"https:\\\/\\\/hipotecanova.es\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/logo_hipoteca_nova.webp\",\"width\":1024,\"height\":1024,\"caption\":\"Hipoteca Nova\"},\"image\":{\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/hipotecanova.es\\\/ca\\\/#\\\/schema\\\/person\\\/d6c13a13b1327c89c957bf216ea433cc\",\"name\":\"Hipoteca Nova\",\"sameAs\":[\"https:\\\/\\\/hipotecanova.es\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Quant triga un banc a aprovar una hipoteca? | Hipoteca Nova","description":"Descobreix quant pot trigar a aprovar-se una hipoteca, quines fases t\u00e9 el proc\u00e9s i qu\u00e8 pot retardar la signatura del teu habitatge.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/","og_locale":"ca_ES","og_type":"article","og_title":"Quant triga un banc a aprovar una hipoteca? | Hipoteca Nova","og_description":"Descobreix quant pot trigar a aprovar-se una hipoteca, quines fases t\u00e9 el proc\u00e9s i qu\u00e8 pot retardar la signatura del teu habitatge.","og_url":"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/","og_site_name":"Hipoteca Nova","article_published_time":"2026-09-28T10:49:46+00:00","og_image":[{"width":1600,"height":900,"url":"https:\/\/hipotecanova.es\/wp-content\/uploads\/2026\/09\/hipotecanova_setembre_aprovacio_hipoteca.webp","type":"image\/webp"}],"author":"Hipoteca Nova","twitter_card":"summary_large_image","twitter_misc":{"Escrit per":"Hipoteca Nova","Temps estimat de lectura":"5 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/#article","isPartOf":{"@id":"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/"},"author":{"name":"Hipoteca Nova","@id":"https:\/\/hipotecanova.es\/ca\/#\/schema\/person\/d6c13a13b1327c89c957bf216ea433cc"},"headline":"Quant triga un banc a aprovar una hipoteca?","datePublished":"2026-09-28T10:49:46+00:00","mainEntityOfPage":{"@id":"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/"},"wordCount":1065,"publisher":{"@id":"https:\/\/hipotecanova.es\/ca\/#organization"},"image":{"@id":"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/#primaryimage"},"thumbnailUrl":"https:\/\/hipotecanova.es\/wp-content\/uploads\/2026\/09\/hipotecanova_setembre_aprovacio_hipoteca.webp","articleSection":["Diccionari hipotecari","Guies de Compra"],"inLanguage":"ca"},{"@type":"WebPage","@id":"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/","url":"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/","name":"Quant triga un banc a aprovar una hipoteca? | Hipoteca Nova","isPartOf":{"@id":"https:\/\/hipotecanova.es\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/#primaryimage"},"image":{"@id":"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/#primaryimage"},"thumbnailUrl":"https:\/\/hipotecanova.es\/wp-content\/uploads\/2026\/09\/hipotecanova_setembre_aprovacio_hipoteca.webp","datePublished":"2026-09-28T10:49:46+00:00","description":"Descobreix quant pot trigar a aprovar-se una hipoteca, quines fases t\u00e9 el proc\u00e9s i qu\u00e8 pot retardar la signatura del teu habitatge.","breadcrumb":{"@id":"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/#primaryimage","url":"https:\/\/hipotecanova.es\/wp-content\/uploads\/2026\/09\/hipotecanova_setembre_aprovacio_hipoteca.webp","contentUrl":"https:\/\/hipotecanova.es\/wp-content\/uploads\/2026\/09\/hipotecanova_setembre_aprovacio_hipoteca.webp","width":1600,"height":900,"caption":"hipotecanova_setembre_aprovacio_hipoteca"},{"@type":"BreadcrumbList","@id":"https:\/\/hipotecanova.es\/ca\/blog\/quant-triga-banc-aprovar-hipoteca\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/hipotecanova.es\/ca\/"},{"@type":"ListItem","position":2,"name":"Quant triga un banc a aprovar una hipoteca?"}]},{"@type":"WebSite","@id":"https:\/\/hipotecanova.es\/ca\/#website","url":"https:\/\/hipotecanova.es\/ca\/","name":"Hipoteca Nova","description":"Te ayudamos a financiar tu vivienda","publisher":{"@id":"https:\/\/hipotecanova.es\/ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/hipotecanova.es\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Organization","@id":"https:\/\/hipotecanova.es\/ca\/#organization","name":"Hipoteca Nova","url":"https:\/\/hipotecanova.es\/ca\/","logo":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/hipotecanova.es\/ca\/#\/schema\/logo\/image\/","url":"https:\/\/hipotecanova.es\/wp-content\/uploads\/2026\/05\/logo_hipoteca_nova.webp","contentUrl":"https:\/\/hipotecanova.es\/wp-content\/uploads\/2026\/05\/logo_hipoteca_nova.webp","width":1024,"height":1024,"caption":"Hipoteca Nova"},"image":{"@id":"https:\/\/hipotecanova.es\/ca\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/hipotecanova.es\/ca\/#\/schema\/person\/d6c13a13b1327c89c957bf216ea433cc","name":"Hipoteca Nova","sameAs":["https:\/\/hipotecanova.es"]}]}},"_links":{"self":[{"href":"https:\/\/hipotecanova.es\/ca\/wp-json\/wp\/v2\/posts\/1419","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hipotecanova.es\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hipotecanova.es\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hipotecanova.es\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hipotecanova.es\/ca\/wp-json\/wp\/v2\/comments?post=1419"}],"version-history":[{"count":1,"href":"https:\/\/hipotecanova.es\/ca\/wp-json\/wp\/v2\/posts\/1419\/revisions"}],"predecessor-version":[{"id":1421,"href":"https:\/\/hipotecanova.es\/ca\/wp-json\/wp\/v2\/posts\/1419\/revisions\/1421"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hipotecanova.es\/ca\/wp-json\/wp\/v2\/media\/1427"}],"wp:attachment":[{"href":"https:\/\/hipotecanova.es\/ca\/wp-json\/wp\/v2\/media?parent=1419"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hipotecanova.es\/ca\/wp-json\/wp\/v2\/categories?post=1419"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hipotecanova.es\/ca\/wp-json\/wp\/v2\/tags?post=1419"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}