Torna a sviluppo v2 2026 (Media)
Controllo usura — TAR-002 sviluppo v2 2026 (Media)
Controllo usura — TAR-002 sviluppo v2 2026 (Media)
II trimestre 2026 (apr-giu) — Soglie valide fino al 30/06/2026.
In usura
29 / 135
< 0,5 pt
4 / 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
Statale
 CDQ 20.69% CF 5,970 · ≤15k → verde a provv ≤ 4.8% 15.44% CF 8,739 · ≤15k 13.36% CF 11,280 · ≤15k 11.39% CF 13,866 · ≤15k 10.46% CF 16,212 · >15k 9.89% CF 18,389 · >15k 9.55% CF 20,380 · >15k 10.15% CF 21,567 · >15k 8.67% CF 24,381 · >15k
CQS-PUB
Pubblico
 CDQ 20.69% CF 5,970 · ≤15k → verde a provv ≤ 4.8% 16.62% CF 8,612 · ≤15k 13.18% CF 11,315 · ≤15k 12.04% CF 13,682 · ≤15k 10.43% CF 16,227 · >15k 9.87% CF 18,401 · >15k 11.19% CF 19,340 · >15k 9.75% CF 21,879 · >15k 8.85% CF 24,200 · >15k
CQS-PAR
Parastatale
 CDQ 26.18% CF 5,718 · ≤15k → verde a provv ≤ 2.1% 18.36% CF 8,433 · ≤15k 14.76% CF 11,026 · ≤15k 13.38% CF 13,314 · ≤15k 11.36% CF 15,860 · >15k 10.42% CF 18,111 · >15k 9.74% CF 20,256 · >15k 9.22% CF 22,300 · >15k 10.46% CF 22,730 · >15k
CQS-MUN
Comunale
 CDQ 26.18% CF 5,718 · ≤15k → verde a provv ≤ 2.1% 18.36% CF 8,433 · ≤15k 17.82% CF 10,505 · ≤15k 16.00% CF 12,645 · ≤15k 13.53% CF 15,058 · >15k 12.48% CF 17,104 · >15k 12.36% CF 18,657 · >15k 12.41% CF 19,951 · >15k 10.80% CF 22,439 · >15k
CQS-PRI
Privato
 CDQ 35.59% CF 5,340 · ≤15k non recuperabile 27.56% CF 7,603 · ≤15k → verde a provv ≤ 0.5% 21.85% CF 9,887 · ≤15k → verde a provv ≤ 3.8% 18.93% CF 11,966 · ≤15k 17.42% CF 13,788 · ≤15k 15.59% CF 15,757 · >15k → verde a provv ≤ 4.0% 14.69% CF 17,407 · >15k 13.81% CF 19,055 · >15k 12.44% CF 21,110 · >15k
CQS-SMB
SMB
 CDQ 34.07% CF 5,397 · ≤15k non recuperabile 28.98% CF 7,490 · ≤15k non recuperabile 23.65% CF 9,635 · ≤15k → verde a provv ≤ 2.4% 18.50% CF 12,062 · ≤15k 17.37% CF 13,803 · ≤15k 16.16% CF 15,531 · >15k → verde a provv ≤ 3.3% 14.26% CF 17,629 · >15k 15.16% CF 18,255 · >15k → verde a provv ≤ 4.5% 13.16% CF 20,569 · >15k
CQS-MED
Medico
 CDQ 28.20% CF 5,632 · ≤15k → verde a provv ≤ 1.2% 19.67% CF 8,304 · ≤15k 24.93% CF 9,462 · ≤15k → verde a provv ≤ 1.5% 13.49% CF 13,284 · ≤15k 12.04% CF 15,601 · >15k 11.02% CF 17,808 · >15k 10.27% CF 19,911 · >15k 9.70% CF 21,912 · >15k 10.66% CF 22,554 · >15k
DEL-STA
Statale
 Altri 27.35% CF 5,668 · ≤15k → verde a provv ≤ 1.8% 21.68% CF 8,113 · ≤15k → verde a provv ≤ 4.4% 17.25% CF 10,597 · ≤15k 15.01% CF 12,889 · ≤15k 13.68% CF 15,002 · >15k 12.32% CF 17,181 · >15k 11.82% CF 18,968 · >15k 11.04% CF 20,905 · >15k 10.14% CF 23,010 · >15k
DEL-PUB
Pubblico
 Altri 31.11% CF 5,512 · ≤15k → verde a provv ≤ 0.2% 21.61% CF 8,119 · ≤15k → verde a provv ≤ 4.4% 17.94% CF 10,485 · ≤15k 15.05% CF 12,879 · ≤15k 13.31% CF 15,134 · >15k 12.58% CF 17,059 · >15k 11.91% CF 18,918 · >15k 11.61% CF 20,501 · >15k 10.32% CF 22,852 · >15k
DEL-PAR
Parastatale
 Altri 27.35% CF 5,668 · ≤15k → verde a provv ≤ 1.8% 19.12% CF 8,358 · ≤15k 22.38% CF 9,812 · ≤15k → verde a provv ≤ 3.8% 13.16% CF 13,374 · ≤15k 11.75% CF 15,709 · >15k 10.77% CF 17,934 · >15k 10.05% CF 20,055 · >15k 9.50% CF 22,074 · >15k 9.07% CF 23,995 · >15k
DEL-MUN
Comunale
 Altri 27.35% CF 5,668 · ≤15k → verde a provv ≤ 1.8% 19.12% CF 8,358 · ≤15k 15.33% CF 10,925 · ≤15k 17.31% CF 12,333 · ≤15k 15.38% CF 14,429 · ≤15k 13.18% CF 16,786 · >15k 13.19% CF 18,196 · >15k 9.50% CF 22,074 · >15k 11.83% CF 21,586 · >15k
DEL-PRI
Privato
 Altri 43.28% CF 5,073 · ≤15k non recuperabile 23.74% CF 7,926 · ≤15k → verde a provv ≤ 3.1% 27.12% CF 9,181 · ≤15k → verde a provv ≤ 0.4% 24.71% CF 10,814 · ≤15k → verde a provv ≤ 1.8% 22.19% CF 12,478 · ≤15k → verde a provv ≤ 3.7% 21.12% CF 13,781 · ≤15k → verde a provv ≤ 4.7% 19.20% CF 15,373 · >15k 14.85% CF 18,429 · >15k 16.25% CF 18,503 · >15k
DEL-SMB
SMB
 Altri 30.83% CF 5,524 · ≤15k → verde a provv ≤ 0.3% 21.36% CF 8,142 · ≤15k → verde a provv ≤ 4.6% 17.01% CF 10,637 · ≤15k 14.52% CF 13,014 · ≤15k 12.91% CF 15,277 · >15k 19.37% CF 14,355 · ≤15k 10.97% CF 19,479 · >15k 10.34% CF 21,426 · >15k 16.50% CF 18,353 · >15k
DEL-MED
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