Torna a sviluppo v3 2026 (Alta)
Controllo usura — TAR-003 sviluppo v3 2026 (Alta)
Controllo usura — TAR-003 sviluppo v3 2026 (Alta)
II trimestre 2026 (apr-giu) — Soglie valide fino al 30/06/2026.
In usura
35 / 135
< 0,5 pt
3 / 135
0,5–1 pt
4 / 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 27.20% CF 5,674 · ≤15k → verde a provv ≤ 1.6% 22.55% CF 8,033 · ≤15k → verde a provv ≤ 3.5% 19.09% CF 10,301 · ≤15k 16.03% CF 12,636 · ≤15k 18.61% CF 13,439 · ≤15k 16.94% CF 15,229 · >15k → verde a provv ≤ 2.4% 17.02% CF 16,299 · >15k → verde a provv ≤ 2.2% 16.60% CF 17,460 · >15k → verde a provv ≤ 2.6% 12.09% CF 21,383 · >15k
CQS-STA
CQS — Statale
 CDQ 22.20% CF 5,898 · ≤15k → verde a provv ≤ 4.0% 16.45% CF 8,631 · ≤15k 14.15% CF 11,136 · ≤15k 12.02% CF 13,686 · ≤15k 11.01% CF 15,996 · >15k 10.38% CF 18,137 · >15k 9.99% CF 20,092 · >15k 10.58% CF 21,243 · >15k 9.04% CF 24,021 · >15k
CQS-PUB
CQS — Pubblico
 CDQ 22.20% CF 5,898 · ≤15k → verde a provv ≤ 4.0% 17.66% CF 8,504 · ≤15k 13.96% CF 11,171 · ≤15k 12.68% CF 13,502 · ≤15k 10.97% CF 16,011 · >15k 10.35% CF 18,149 · >15k 11.68% CF 19,052 · >15k 10.17% CF 21,555 · >15k 9.23% CF 23,840 · >15k
CQS-PAR
CQS — Parastatale
 CDQ 27.01% CF 5,682 · ≤15k → verde a provv ≤ 1.7% 18.90% CF 8,379 · ≤15k 15.16% CF 10,954 · ≤15k 13.72% CF 13,224 · ≤15k 11.64% CF 15,752 · >15k 10.67% CF 17,985 · >15k 9.96% CF 20,112 · >15k 9.42% CF 22,138 · >15k 10.67% CF 22,550 · >15k
CQS-MUN
CQS — Comunale
 CDQ 27.01% CF 5,682 · ≤15k → verde a provv ≤ 1.7% 18.90% CF 8,379 · ≤15k 18.26% CF 10,433 · ≤15k 16.37% CF 12,555 · ≤15k 13.83% CF 14,950 · ≤15k 12.75% CF 16,978 · >15k 12.61% CF 18,513 · >15k 12.66% CF 19,789 · >15k 11.01% CF 22,259 · >15k
CQS-PRI
CQS — Privato
 CDQ 36.97% CF 5,290 · ≤15k non recuperabile 28.50% CF 7,527 · ≤15k non recuperabile 22.56% CF 9,786 · ≤15k → verde a provv ≤ 3.2% 19.51% CF 11,840 · ≤15k 17.93% CF 13,636 · ≤15k 16.03% CF 15,581 · >15k → verde a provv ≤ 3.5% 15.10% CF 17,205 · >15k → verde a provv ≤ 4.6% 14.18% CF 18,828 · >15k 12.77% CF 20,858 · >15k
CQS-SMB
CQS — SMB
 CDQ 35.41% CF 5,347 · ≤15k non recuperabile 29.95% CF 7,414 · ≤15k non recuperabile 24.39% CF 9,534 · ≤15k → verde a provv ≤ 1.9% 19.07% CF 11,936 · ≤15k 17.88% CF 13,652 · ≤15k 16.61% CF 15,354 · >15k → verde a provv ≤ 2.8% 14.65% CF 17,427 · >15k 15.56% CF 18,028 · >15k → verde a provv ≤ 4.0% 13.51% CF 20,317 · >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 29.94% CF 5,560 · ≤15k → verde a provv ≤ 0.7% 23.46% CF 7,951 · ≤15k → verde a provv ≤ 3.3% 18.59% CF 10,381 · ≤15k 16.11% CF 12,619 · ≤15k 14.63% CF 14,678 · ≤15k 13.14% CF 16,803 · >15k 12.57% CF 18,536 · >15k 11.73% CF 20,419 · >15k 10.76% CF 22,470 · >15k
DEL-PUB
DEL — Pubblico
 Altri 33.88% CF 5,404 · ≤15k non recuperabile 23.39% CF 7,957 · ≤15k → verde a provv ≤ 3.3% 19.30% CF 10,269 · ≤15k 16.15% CF 12,609 · ≤15k 14.24% CF 14,810 · ≤15k 13.41% CF 16,681 · >15k 12.66% CF 18,486 · >15k 12.32% CF 20,015 · >15k 10.94% CF 22,312 · >15k
DEL-PAR
DEL — Parastatale
 Altri 29.94% CF 5,560 · ≤15k → verde a provv ≤ 0.7% 20.79% CF 8,196 · ≤15k → verde a provv ≤ 5.0% 23.93% CF 9,596 · ≤15k → verde a provv ≤ 2.6% 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 9.64% CF 23,455 · >15k
DEL-MUN
DEL — Comunale
 Altri 29.94% CF 5,560 · ≤15k → verde a provv ≤ 0.7% 20.79% CF 8,196 · ≤15k → verde a provv ≤ 5.0% 16.58% CF 10,709 · ≤15k 18.50% CF 12,063 · ≤15k 16.39% CF 14,105 · ≤15k 14.03% CF 16,408 · >15k 14.00% CF 17,764 · >15k 10.12% CF 21,588 · >15k 12.53% CF 21,046 · >15k
DEL-PRI
DEL — Privato
 Altri 44.40% CF 5,037 · ≤15k non recuperabile 24.36% CF 7,872 · ≤15k → verde a provv ≤ 2.7% 27.70% CF 9,109 · ≤15k → verde a provv ≤ 0.0% 25.21% CF 10,724 · ≤15k → verde a provv ≤ 1.4% 22.62% CF 12,370 · ≤15k → verde a provv ≤ 3.3% 21.52% CF 13,655 · ≤15k → verde a provv ≤ 4.3% 19.56% CF 15,229 · >15k 15.14% CF 18,267 · >15k 16.55% CF 18,323 · >15k
DEL-SMB
DEL — SMB
 Altri 35.50% CF 5,344 · ≤15k non recuperabile 24.36% CF 7,872 · ≤15k → verde a provv ≤ 2.7% 19.25% CF 10,277 · ≤15k 16.33% CF 12,564 · ≤15k 14.45% CF 14,737 · ≤15k 21.30% CF 13,725 · ≤15k → verde a provv ≤ 4.5% 12.18% CF 18,759 · >15k 11.45% CF 20,616 · >15k 18.07% CF 17,453 · >15k
DEL-MED
DEL — Medico
 Altri 35.50% CF 5,344 · ≤15k non recuperabile 24.36% CF 7,872 · ≤15k → verde a provv ≤ 2.7% 19.25% CF 10,277 · ≤15k 16.33% CF 12,564 · ≤15k 14.45% CF 14,737 · ≤15k 13.14% CF 16,800 · >15k 12.18% CF 18,759 · >15k 11.45% CF 20,616 · >15k 10.87% CF 22,375 · >15k