{"id":2102,"date":"2025-04-22T10:01:52","date_gmt":"2025-04-22T08:01:52","guid":{"rendered":"https:\/\/educatudinero.com\/podcast\/compra-leasing-o-renting-de-cotxe\/"},"modified":"2026-03-16T12:50:24","modified_gmt":"2026-03-16T11:50:24","slug":"compra-leasing-o-renting-de-cotxe","status":"publish","type":"podcast","link":"https:\/\/educatudinero.com\/ca\/podcast\/compra-leasing-o-renting-de-cotxe\/","title":{"rendered":"Compra, leasing o renting de cotxe?"},"content":{"rendered":"\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n<p data-encore-id=\"text\"><strong>Comprar<\/strong>, <strong>llogar<\/strong>, <strong>finan\u00e7ar<\/strong> o fer un <strong>r\u00e8nting<\/strong>?<\/p>\n<p data-encore-id=\"text\">Triar cotxe ja no \u00e9s nom\u00e9s q\u00fcesti\u00f3 de model o color: avui hi ha m\u00e9s opcions que mai i tamb\u00e9 m\u00e9s dubtes.<\/p>\n<p class=\"e-9812-text encore-text-body-medium encore-internal-color-text-subdued umouqjSkMUbvF4I_Xz6r\" data-encore-id=\"text\">Adquirir un cotxe \u00e9s una de les decisions econ\u00f2miques m\u00e9s importants i amb un major impacte en les nostres finances, \u00e9s per aquesta ra\u00f3 que en aquest episodi hem convidat a <strong>Jordi Garc\u00eda<\/strong>, creador del p\u00f2dcast Diners i Borsa, per a comparar les diferents maneres d&#8217;adquirir un cotxe: compra finan\u00e7ada, l\u00edsing, r\u00e8nting, subscripci\u00f3\u2026<\/p>\n\n<\/div>\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n<p class=\"e-9812-text encore-text-body-medium encore-internal-color-text-subdued umouqjSkMUbvF4I_Xz6r\" data-encore-id=\"text\">Dona-li al play i descobreix quin et conv\u00e9 m\u00e9s segons la teva situaci\u00f3.<\/p>\n<p data-encore-id=\"text\"><strong>RECURSOS MENCIONATS<\/strong><\/p>\n<p data-encore-id=\"text\"><a href=\"https:\/\/open.spotify.com\/episode\/4NzjrnSXFr6RpZpAcgS6g2?si=K905MOOfSpWGZ9toYjAbBg\" target=\"_blank\" rel=\"noopener\">Episodi 10 &#8211; La filosofia dels diners<\/a><\/p>\n<p data-encore-id=\"text\"><a href=\"https:\/\/educatudinero.com\/ca\/\" target=\"_blank\" rel=\"noopener\">Curs de Finances Conscients<\/a><\/p>\n<p data-encore-id=\"text\"><strong>MINUTATJE<\/strong><\/p>\n\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n\n\u20180 Intro: la segona decisi\u00f3 financera m\u00e9s gran de la teva vida?\n\n\u20182 Dues preguntes a fer-te abans de comprar un cotxe\n\n<\/div>\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n<p class=\"e-9812-text encore-text-body-medium encore-internal-color-text-subdued umouqjSkMUbvF4I_Xz6r\" data-encore-id=\"text\">\u20186 Breu definici\u00f3 de les 3 opcions: compra bitllo-bitllo, l\u00edsing i r\u00e8nting<\/p>\n\n<\/div>\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n<p class=\"e-9812-text encore-text-body-medium encore-internal-color-text-subdued umouqjSkMUbvF4I_Xz6r\" data-encore-id=\"text\">\u20188 Comparativa dels 3 casos a trav\u00e9s d&#8217;un exemple real:<\/p>\n\n<\/div>\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n<ul>\n \t<li>El finan\u00e7ament en concessionari vs. en banc<\/li>\n<\/ul>\n<\/div>\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n<ul>\n \t<li class=\"e-9812-text encore-text-body-medium encore-internal-color-text-subdued umouqjSkMUbvF4I_Xz6r\" data-encore-id=\"text\">El TIN i el TAE<\/li>\n<\/ul>\n<\/div>\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n<ul>\n \t<li class=\"e-9812-text encore-text-body-medium encore-internal-color-text-subdued umouqjSkMUbvF4I_Xz6r\" data-encore-id=\"text\">A vegades surt m\u00e9s barat el l\u00edsing que pagar bitllo-bitllo\u2026<\/li>\n<\/ul>\n<\/div>\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n<ul>\n \t<li class=\"e-9812-text encore-text-body-medium encore-internal-color-text-subdued umouqjSkMUbvF4I_Xz6r\" data-encore-id=\"text\">\u2026per\u00f2 en un l\u00edsing, tingues molt en compte la quota inicial i final!<\/li>\n<\/ul>\n<\/div>\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n<ul>\n \t<li class=\"e-9812-text encore-text-body-medium encore-internal-color-text-subdued umouqjSkMUbvF4I_Xz6r\" data-encore-id=\"text\">Els interessos per a finan\u00e7ar un cotxe s\u00f3n molts m\u00e9s alts que els d&#8217;una hipoteca<\/li>\n<\/ul>\n<\/div>\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n<ul>\n \t<li>El r\u00e8nting \u00e9s una quota \u00fanica constant que inclou els costos de manteniment i altres<\/li>\n<\/ul>\n<\/div>\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n<p class=\"e-9812-text encore-text-body-medium encore-internal-color-text-subdued umouqjSkMUbvF4I_Xz6r\" data-encore-id=\"text\">\u201922 Cotxes de segona m\u00e0: coses a tenir en compte i \u00e9s possible combinar-ho amb l\u00edsing i r\u00e8nting?<\/p>\n\n<\/div>\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n<p class=\"e-9812-text encore-text-body-medium encore-internal-color-text-subdued umouqjSkMUbvF4I_Xz6r\" data-encore-id=\"text\">\u201927 M\u00e9s enll\u00e0 de la compra: despeses d&#8217;un cotxe a tenir en compte<\/p>\n\n<\/div>\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n<p class=\"e-9812-text encore-text-body-medium encore-internal-color-text-subdued umouqjSkMUbvF4I_Xz6r\" data-encore-id=\"text\">\u201930 El cotxe que s&#8217;ha comprat Jordi<\/p>\n\n<\/div>\n<div class=\"xgmjVLxjqfcXK5BV_XyN\">\n<p class=\"e-9812-text encore-text-body-medium encore-internal-color-text-subdued umouqjSkMUbvF4I_Xz6r\" data-encore-id=\"text\">\u201933 El compte enrere expr\u00e9s<\/p>\n<p data-encore-id=\"text\">Ja pots escoltar l&#8217;episodi i seguir-nos a: <a href=\"https:\/\/go.ivoox.com\/rf\/145302763\" target=\"_blank\" rel=\"noopener\">Ivoox<\/a>,\u00a0<a href=\"https:\/\/open.spotify.com\/episode\/0K0U1EnuNpCiCyyD5TogaW?si=cFqJt3LDT2CbZxB3dHkRqQ\" target=\"_blank\" rel=\"noopener\">Spotify<\/a> i\u00a0<a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/60-compra-leasing-o-renting-de-coche-jordi-garc%C3%ADa\/id1644673905?i=1000704261319\" target=\"_blank\" rel=\"noopener\">Apple Podcasts<\/a><\/p>\n<iframe loading=\"lazy\" style=\"border-radius: 12px;\" src=\"https:\/\/open.spotify.com\/embed\/episode\/0K0U1EnuNpCiCyyD5TogaW?utm_source=generator\" width=\"100%\" height=\"352\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n\nGr\u00e0cies per escoltar Educa Els teus Diners! Si vols posar-te en contacte amb nosaltres o resoldre algun dubte escriu-nos a podcast@bfs-ief.com:\n\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Comprar, llogar, finan\u00e7ar o fer un r\u00e8nting? Triar cotxe ja no \u00e9s nom\u00e9s q\u00fcesti\u00f3 de model o color: avui hi [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2103,"comment_status":"open","ping_status":"open","template":"","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_uag_custom_page_level_css":"","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":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-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":"","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-4)","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-4)","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-4)","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":""}}},"categories":[37],"class_list":["post-2102","podcast","type-podcast","status-publish","has-post-thumbnail","hentry","category-podcasts"],"acf":[],"uagb_featured_image_src":{"full":["https:\/\/educatudinero.com\/wp-content\/uploads\/ETD_cotxe_cat.png",1600,900,false],"thumbnail":["https:\/\/educatudinero.com\/wp-content\/uploads\/ETD_cotxe_cat-300x169.png",300,169,true],"medium":["https:\/\/educatudinero.com\/wp-content\/uploads\/ETD_cotxe_cat-800x450.png",800,450,true],"medium_large":["https:\/\/educatudinero.com\/wp-content\/uploads\/ETD_cotxe_cat-768x432.png",768,432,true],"large":["https:\/\/educatudinero.com\/wp-content\/uploads\/ETD_cotxe_cat.png",1600,900,false],"1536x1536":["https:\/\/educatudinero.com\/wp-content\/uploads\/ETD_cotxe_cat-1536x864.png",1536,864,true],"2048x2048":["https:\/\/educatudinero.com\/wp-content\/uploads\/ETD_cotxe_cat.png",1600,900,false],"woocommerce_thumbnail":["https:\/\/educatudinero.com\/wp-content\/uploads\/ETD_cotxe_cat-300x300.png",300,300,true],"woocommerce_single":["https:\/\/educatudinero.com\/wp-content\/uploads\/ETD_cotxe_cat-600x338.png",600,338,true],"woocommerce_gallery_thumbnail":["https:\/\/educatudinero.com\/wp-content\/uploads\/ETD_cotxe_cat-100x100.png",100,100,true]},"uagb_author_info":{"display_name":"joanraez","author_link":"https:\/\/educatudinero.com\/ca\/author\/joanraez\/"},"uagb_comment_info":0,"uagb_excerpt":"Comprar, llogar, finan\u00e7ar o fer un r\u00e8nting? 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