Fondo Rischi (prepayment)
In questa pagina configuri le percentuali di estinzione anticipata e di rimborso assicurativo per anno (1→10), e vedi l'impatto del Fondo Rischi su ciascuna tariffa. Le percentuali sono autonome dal forecast.
Matrice generale
Anno % est. % rimb.
1
2
3
4
5
6
7
8
9
10
CQP-PRE ≤70
Anno % est. % rimb.
1
2
3
4
5
6
7
8
9
10
CQP-PRE 71-75
Anno % est. % rimb.
1
2
3
4
5
6
7
8
9
10
CQP-PRE 76+
Anno % est. % rimb.
1
2
3
4
5
6
7
8
9
10
Impatto Fondo Rischi per tariffa
Distretto TAR-004
Prodotto Provv. % mont. Over+ % mont. Rappel % mont. MN % mont.
(bp TAN)		 FR % mont.
(bp TAN)		 MN al netto FR % mont.
CQP-PRE 4.83% 1.00% 0.00% 6.53% (161 bp) 2.133% 4.40%
CQS-STA 3.65% 1.00% 0.00% 4.29% (106 bp) 1.745% 2.54%
CQS-PUB 4.54% 1.00% 0.00% 4.84% (116 bp) 1.940% 2.90%
CQS-PAR 6.38% 1.00% 0.00% 8.53% (211 bp) 3.370% 5.17%
CQS-MUN 6.78% 1.00% 0.00% 7.49% (173 bp) 3.071% 4.42%
CQS-PRI 5.88% 1.00% 0.00% 8.45% (223 bp) 2.869% 5.58%
CQS-SMB 5.65% 1.00% 0.00% 10.42% (294 bp) 3.191% 7.23%
CQS-MED 3.50% 1.00% 0.00% 4.24% (149 bp) 1.109% 3.13%
DEL-STA 3.90% 1.00% 0.00% 5.95% (165 bp) 1.930% 4.02%
DEL-PUB 5.15% 1.00% 0.00% 6.02% (160 bp) 2.171% 3.85%
DEL-PAR 0.00% 1.00% 0.00% -0.20% (0 bp) 0.000% -0.20%
DEL-MUN 4.92% 1.00% 0.00% 8.31% (224 bp) 2.426% 5.89%
DEL-PRI 5.22% 1.00% 0.00% 9.17% (272 bp) 2.478% 6.69%
DEL-SMB 7.62% 1.00% 0.00% 11.83% (296 bp) 3.965% 7.86%
DEL-MED 0.00% 1.00% 0.00% 0.00% (0 bp) 0.000% 0.00%
TOTALE (media ponderata) 4.89% 1.00% 0.00% 6.52% (164 bp) 2.228% 4.29%
sviluppo v2 2026 (Media) TAR-002
Prodotto Provv. % mont. Over+ % mont. Rappel % mont. MN % mont.
(bp TAN)		 FR % mont.
(bp TAN)		 MN al netto FR % mont.
CQP-PRE 3.00% 0.50% 1.00% 6.26% (184 bp) 1.752% 4.50%
CQS-STA 3.00% 0.50% 1.00% 5.23% (145 bp) 2.010% 3.22%
CQS-PUB 3.00% 0.50% 1.00% 5.28% (149 bp) 1.911% 3.37%
CQS-PAR 3.00% 0.50% 1.00% 8.73% (256 bp) 2.790% 5.94%
CQS-MUN 3.00% 0.50% 1.00% 8.81% (254 bp) 2.715% 6.10%
CQS-PRI 3.00% 0.50% 1.00% 10.53% (325 bp) 2.908% 7.62%
CQS-SMB 3.00% 0.50% 1.00% 10.76% (332 bp) 2.874% 7.89%
CQS-MED 3.00% 0.50% 1.00% 10.15% (412 bp) 2.082% 8.07%
DEL-STA 3.00% 0.50% 1.00% 9.56% (298 bp) 2.686% 6.87%
DEL-PUB 3.00% 0.50% 1.00% 9.72% (312 bp) 2.667% 7.05%
DEL-PAR 3.00% 0.50% 1.00% 10.49% (557 bp) 0.109% 10.38%
DEL-MUN 3.00% 0.50% 1.00% 9.74% (292 bp) 2.574% 7.17%
DEL-PRI 3.00% 0.50% 1.00% 13.89% (477 bp) 3.246% 10.65%
DEL-SMB 3.00% 0.50% 1.00% 12.27% (350 bp) 3.133% 9.13%
DEL-MED 0.00% 0.00% 0.00% 10.60% (514 bp) 0.867% 9.73%
TOTALE (media ponderata) 3.00% 0.50% 1.00% 7.04% (210 bp) 2.045% 5.00%
sviluppo v3 2026 (Alta) TAR-003
Prodotto Provv. % mont. Over+ % mont. Rappel % mont. MN % mont.
(bp TAN)		 FR % mont.
(bp TAN)		 MN al netto FR % mont.
CQP-PRE 4.00% 0.50% 0.50% 7.06% (184 bp) 2.059% 5.00%
CQS-STA 4.00% 0.50% 0.50% 6.77% (174 bp) 2.401% 4.36%
CQS-PUB 4.00% 0.50% 0.50% 6.79% (179 bp) 2.259% 4.53%
CQS-PAR 4.00% 0.50% 0.50% 9.76% (272 bp) 3.087% 6.68%
CQS-MUN 4.00% 0.50% 0.50% 9.81% (270 bp) 2.961% 6.85%
CQS-PRI 4.00% 0.50% 0.50% 11.61% (349 bp) 3.172% 8.44%
CQS-SMB 4.00% 0.50% 0.50% 11.73% (357 bp) 3.108% 8.62%
CQS-MED 4.00% 0.50% 0.50% 11.57% (458 bp) 2.348% 9.23%
DEL-STA 4.00% 0.50% 0.50% 11.53% (349 bp) 3.152% 8.38%
DEL-PUB 4.00% 0.50% 0.50% 11.61% (366 bp) 3.120% 8.49%
DEL-PAR 4.00% 0.50% 0.50% 12.00% (654 bp) 0.107% 11.89%
DEL-MUN 4.00% 0.50% 0.50% 11.62% (343 bp) 2.953% 8.67%
DEL-PRI 4.00% 0.50% 0.50% 14.70% (497 bp) 3.460% 11.24%
DEL-SMB 4.00% 0.50% 0.50% 14.88% (437 bp) 3.818% 11.06%
DEL-MED 4.00% 0.50% 0.50% 10.80% (514 bp) 1.496% 9.30%
TOTALE (media ponderata) 4.00% 0.50% 0.50% 9.29% (266 bp) 2.682% 6.61%
Sviluppo v1 2026 (Scontata) TAR-001
Prodotto Provv. % mont. Over+ % mont. Rappel % mont. MN % mont.
(bp TAN)		 FR % mont.
(bp TAN)		 MN al netto FR % mont.
CQP-PRE 4.50% 2.00% 1.00% 5.25% (185 bp) 2.225% 3.02%
CQS-STA 4.50% 2.00% 1.00% 3.12% (122 bp) 2.133% 0.98%
CQS-PUB 4.50% 2.00% 1.00% 3.44% (134 bp) 2.067% 1.37%
CQS-PAR 4.50% 2.00% 1.00% 7.11% (247 bp) 3.051% 4.06%
CQS-MUN 4.50% 2.00% 1.00% 7.16% (245 bp) 2.925% 4.23%
CQS-PRI 4.50% 2.00% 1.00% 7.76% (281 bp) 2.852% 4.91%
CQS-SMB 4.50% 2.00% 1.00% 7.88% (287 bp) 2.788% 5.09%
CQS-MED 4.50% 2.00% 1.00% 9.72% (458 bp) 2.455% 7.27%
DEL-STA 4.50% 2.00% 1.00% 7.18% (264 bp) 2.747% 4.43%
DEL-PUB 4.50% 2.00% 1.00% 7.26% (277 bp) 2.720% 4.54%
DEL-PAR 4.50% 2.00% 1.00% 7.65% (495 bp) 0.089% 7.56%
DEL-MUN 4.50% 2.00% 1.00% 7.27% (259 bp) 2.543% 4.73%
DEL-PRI 4.50% 2.00% 1.00% 10.85% (418 bp) 3.147% 7.70%
DEL-SMB 4.50% 2.00% 1.00% 11.03% (367 bp) 3.471% 7.56%
DEL-MED 4.50% 2.00% 1.00% 6.95% (405 bp) 1.328% 5.62%
TOTALE (media ponderata) 4.50% 2.00% 1.00% 5.52% (198 bp) 2.354% 3.16%