Torna a Sviluppo v1 2026 (Scontata)
Controllo usura — TAR-001 Sviluppo v1 2026 (Scontata)
Controllo usura — TAR-001 Sviluppo v1 2026 (Scontata)
II trimestre 2026 (apr-giu) — Soglie valide fino al 30/06/2026.
In usura
26 / 135
< 0,5 pt
2 / 135
0,5–1 pt
3 / 135
Soglie usura (decreto MEF):
CDQ (CQP/CQS): ≤ 15k = 21.3125% · > 15k = 15.8000%
Altri (DEL): ≤ 15k = 21.7875% · > 15k = 21.7875%
Scenario stress — rata 300 € · spese fisse 100 € · imposte 16 € · TAN partenza 3.84%.
%
Provv overx attuale: 5.0% · prepayment rete 1.50% sul montante · Ass% da: media file storico · fascia ≤/> 15k auto dal CF.
Verde > 1 pt sotto soglia · Giallo 0,5–1 pt · Arancione < 0,5 pt · Rosso ≥ soglia (usura). Clicca una cella per il dettaglio. Tooltip cella → "Verde a provv ≤ X%" indica la provv break-even per uscire dal rischio.
Matrice TAEG — 15 prodotti × 9 durate (rata 300 €)
Prodotto Cat. Durata (mesi) — TAEG
24m36m48m60m72m84m96m108m120m
CQP-PRE
CQP — Pensionato
 CDQ 27.27% CF 5,671 · ≤15k → verde a provv ≤ 1.6% 22.59% CF 8,029 · ≤15k → verde a provv ≤ 3.5% 19.13% CF 10,296 · ≤15k 16.06% CF 12,629 · ≤15k 18.64% CF 13,431 · ≤15k 16.96% CF 15,219 · >15k → verde a provv ≤ 2.4% 17.05% CF 16,288 · >15k → verde a provv ≤ 2.2% 16.63% CF 17,447 · >15k → verde a provv ≤ 2.6% 12.11% CF 21,369 · >15k
CQS-STA
CQS — Statale
 CDQ 19.51% CF 6,028 · ≤15k 14.65% CF 8,825 · ≤15k 12.75% CF 11,395 · ≤15k 10.90% CF 14,010 · ≤15k 10.04% CF 16,385 · >15k 9.51% CF 18,590 · >15k 9.21% CF 20,611 · >15k 9.81% CF 21,826 · >15k 8.37% CF 24,669 · >15k
CQS-PUB
CQS — Pubblico
 CDQ 19.95% CF 6,006 · ≤15k 16.11% CF 8,666 · ≤15k 12.80% CF 11,387 · ≤15k 11.72% CF 13,772 · ≤15k 10.16% CF 16,335 · >15k 9.63% CF 18,527 · >15k 10.96% CF 19,484 · >15k 9.54% CF 22,041 · >15k 8.67% CF 24,380 · >15k
CQS-PAR
CQS — Parastatale
 CDQ 25.68% CF 5,740 · ≤15k → verde a provv ≤ 2.3% 18.04% CF 8,466 · ≤15k 14.52% CF 11,069 · ≤15k 13.18% CF 13,368 · ≤15k 11.19% CF 15,925 · >15k 10.28% CF 18,186 · >15k 9.61% CF 20,343 · >15k 9.10% CF 22,398 · >15k 10.33% CF 22,838 · >15k
CQS-MUN
CQS — Comunale
 CDQ 25.68% CF 5,740 · ≤15k → verde a provv ≤ 2.3% 18.04% CF 8,466 · ≤15k 17.55% CF 10,548 · ≤15k 15.78% CF 12,699 · ≤15k 13.34% CF 15,123 · >15k 12.32% CF 17,179 · >15k 12.21% CF 18,743 · >15k 12.27% CF 20,048 · >15k 10.67% CF 22,547 · >15k
CQS-PRI
CQS — Privato
 CDQ 33.11% CF 5,434 · ≤15k non recuperabile 25.86% CF 7,743 · ≤15k → verde a provv ≤ 1.5% 20.58% CF 10,074 · ≤15k → verde a provv ≤ 4.8% 17.89% CF 12,200 · ≤15k 16.50% CF 14,068 · ≤15k 14.79% CF 16,085 · >15k 13.96% CF 17,781 · >15k 13.14% CF 19,476 · >15k 11.84% CF 21,578 · >15k
CQS-SMB
CQS — SMB
 CDQ 31.65% CF 5,491 · ≤15k non recuperabile 27.22% CF 7,630 · ≤15k → verde a provv ≤ 0.6% 22.31% CF 9,822 · ≤15k → verde a provv ≤ 3.4% 17.47% CF 12,296 · ≤15k 16.46% CF 14,084 · ≤15k 15.34% CF 15,858 · >15k → verde a provv ≤ 4.3% 13.54% CF 18,003 · >15k 14.43% CF 18,676 · >15k 12.54% CF 21,037 · >15k
CQS-MED
CQS — Medico
 CDQ 29.94% CF 5,560 · ≤15k → verde a provv ≤ 0.4% 20.79% CF 8,196 · ≤15k → verde a provv ≤ 4.7% 26.03% CF 9,318 · ≤15k → verde a provv ≤ 0.7% 14.17% CF 13,104 · ≤15k 12.62% CF 15,385 · >15k 11.53% CF 17,556 · >15k 10.73% CF 19,623 · >15k 10.12% CF 21,588 · >15k 11.09% CF 22,194 · >15k
DEL-STA
DEL — Statale
 Altri 25.68% CF 5,740 · ≤15k → verde a provv ≤ 2.6% 20.53% CF 8,221 · ≤15k 16.39% CF 10,741 · ≤15k 14.31% CF 13,069 · ≤15k 13.08% CF 15,218 · >15k 11.79% CF 17,433 · >15k 11.33% CF 19,256 · >15k 10.60% CF 21,229 · >15k 9.74% CF 23,370 · >15k
DEL-PUB
DEL — Pubblico
 Altri 29.34% CF 5,584 · ≤15k → verde a provv ≤ 0.9% 20.47% CF 8,227 · ≤15k 17.06% CF 10,629 · ≤15k 14.35% CF 13,059 · ≤15k 12.71% CF 15,350 · >15k 12.04% CF 17,311 · >15k 11.42% CF 19,206 · >15k 11.15% CF 20,825 · >15k 9.91% CF 23,212 · >15k
DEL-PAR
DEL — Parastatale
 Altri 25.68% CF 5,740 · ≤15k → verde a provv ≤ 2.6% 18.04% CF 8,466 · ≤15k 21.38% CF 9,956 · ≤15k → verde a provv ≤ 4.5% 12.50% CF 13,554 · ≤15k 11.19% CF 15,925 · >15k 10.28% CF 18,186 · >15k 9.61% CF 20,343 · >15k 9.10% CF 22,398 · >15k 8.69% CF 24,355 · >15k
DEL-MUN
DEL — Comunale
 Altri 25.68% CF 5,740 · ≤15k → verde a provv ≤ 2.6% 18.04% CF 8,466 · ≤15k 14.52% CF 11,069 · ≤15k 16.55% CF 12,513 · ≤15k 14.72% CF 14,645 · ≤15k 12.62% CF 17,038 · >15k 12.67% CF 18,484 · >15k 9.10% CF 22,398 · >15k 11.39% CF 21,946 · >15k
DEL-PRI
DEL — Privato
 Altri 40.05% CF 5,181 · ≤15k non recuperabile 21.95% CF 8,088 · ≤15k → verde a provv ≤ 4.2% 25.42% CF 9,397 · ≤15k → verde a provv ≤ 1.6% 23.26% CF 11,084 · ≤15k → verde a provv ≤ 2.9% 20.92% CF 12,802 · ≤15k → verde a provv ≤ 4.9% 19.95% CF 14,159 · ≤15k 18.15% CF 15,805 · >15k 14.04% CF 18,915 · >15k 15.39% CF 19,043 · >15k
DEL-SMB
DEL — SMB
 Altri 31.73% CF 5,488 · ≤15k non recuperabile 21.95% CF 8,088 · ≤15k → verde a provv ≤ 4.2% 17.45% CF 10,565 · ≤15k 14.88% CF 12,924 · ≤15k 13.21% CF 15,169 · >15k 19.74% CF 14,229 · ≤15k 11.20% CF 19,335 · >15k 10.55% CF 21,264 · >15k 16.80% CF 18,173 · >15k
DEL-MED
DEL — Medico
 Altri 31.73% CF 5,488 · ≤15k non recuperabile 21.95% CF 8,088 · ≤15k → verde a provv ≤ 4.2% 17.45% CF 10,565 · ≤15k 14.88% CF 12,924 · ≤15k 13.21% CF 15,169 · >15k 12.05% CF 17,304 · >15k 11.20% CF 19,335 · >15k 10.55% CF 21,264 · >15k 10.04% CF 23,095 · >15k