Torna a Distretto
Controllo usura — TAR-004 Distretto
Controllo usura — TAR-004 Distretto
Data validità non impostata.
In usura
16 / 135
< 0,5 pt
2 / 135
0,5–1 pt
1 / 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 25.91% CF 5,730 · ≤15k → verde a provv ≤ 2.2% 21.64% CF 8,117 · ≤15k → verde a provv ≤ 4.1% 18.39% CF 10,413 · ≤15k 15.47% CF 12,776 · ≤15k 18.03% CF 13,607 · ≤15k 16.43% CF 15,424 · >15k → verde a provv ≤ 3.0% 16.53% CF 16,522 · >15k → verde a provv ≤ 2.8% 16.13% CF 17,711 · >15k → verde a provv ≤ 3.2% 11.74% CF 21,662 · >15k
CQS-STA
CQS — Statale
 CDQ 18.68% CF 6,069 · ≤15k 14.09% CF 8,887 · ≤15k 12.32% CF 11,478 · ≤15k 10.55% CF 14,113 · ≤15k 9.74% CF 16,509 · >15k 9.25% CF 18,735 · >15k 8.96% CF 20,776 · >15k 9.58% CF 22,012 · >15k 8.17% CF 24,876 · >15k
CQS-PUB
CQS — Pubblico
 CDQ 19.05% CF 6,051 · ≤15k 15.49% CF 8,733 · ≤15k 12.33% CF 11,475 · ≤15k 11.33% CF 13,883 · ≤15k 9.84% CF 16,468 · >15k 9.34% CF 18,682 · >15k 10.67% CF 19,662 · >15k 9.29% CF 22,241 · >15k 8.44% CF 24,602 · >15k
CQS-PAR
CQS — Parastatale
 CDQ 23.85% CF 5,822 · ≤15k → verde a provv ≤ 3.2% 16.84% CF 8,589 · ≤15k 13.62% CF 11,233 · ≤15k 12.42% CF 13,574 · ≤15k 10.57% CF 16,171 · >15k 9.73% CF 18,474 · >15k 9.12% CF 20,671 · >15k 8.65% CF 22,767 · >15k 9.87% CF 23,249 · >15k
CQS-MUN
CQS — Comunale
 CDQ 21.97% CF 5,909 · ≤15k → verde a provv ≤ 4.2% 15.61% CF 8,720 · ≤15k 15.55% CF 10,887 · ≤15k 14.10% CF 13,122 · ≤15k 11.96% CF 15,631 · >15k 11.09% CF 17,772 · >15k 11.06% CF 19,421 · >15k 11.17% CF 20,810 · >15k 9.71% CF 23,394 · >15k
CQS-PRI
CQS — Privato
 CDQ 29.97% CF 5,558 · ≤15k → verde a provv ≤ 0.4% 23.69% CF 7,930 · ≤15k → verde a provv ≤ 2.8% 18.96% CF 10,323 · ≤15k 16.55% CF 12,511 · ≤15k 15.34% CF 14,442 · ≤15k 13.77% CF 16,520 · >15k 13.04% CF 18,279 · >15k 12.29% CF 20,036 · >15k 11.08% CF 22,200 · >15k
CQS-SMB
CQS — SMB
 CDQ 32.01% CF 5,477 · ≤15k non recuperabile 27.49% CF 7,609 · ≤15k → verde a provv ≤ 0.5% 22.51% CF 9,793 · ≤15k → verde a provv ≤ 3.3% 17.63% CF 12,260 · ≤15k 16.59% CF 14,041 · ≤15k 15.46% CF 15,808 · >15k → verde a provv ≤ 4.2% 13.65% CF 17,946 · >15k 14.54% CF 18,612 · >15k 12.63% CF 20,966 · >15k
CQS-MED
CQS — Medico
 CDQ 18.52% CF 6,077 · ≤15k 13.34% CF 8,972 · ≤15k 18.76% CF 10,353 · ≤15k 9.61% CF 14,397 · ≤15k 8.73% CF 16,937 · >15k 8.12% CF 19,367 · >15k 7.67% CF 21,692 · >15k 7.33% CF 23,916 · >15k 8.26% CF 24,781 · >15k
DEL-STA
DEL — Statale
 Altri 20.91% CF 5,959 · ≤15k → verde a provv ≤ 4.9% 17.22% CF 8,550 · ≤15k 13.90% CF 11,180 · ≤15k 12.26% CF 13,618 · ≤15k 11.31% CF 15,877 · >15k 10.25% CF 18,201 · >15k 9.93% CF 20,135 · >15k 9.32% CF 22,217 · >15k 8.58% CF 24,468 · >15k
DEL-PUB
DEL — Pubblico
 Altri 23.63% CF 5,832 · ≤15k → verde a provv ≤ 3.6% 16.76% CF 8,598 · ≤15k 14.21% CF 11,124 · ≤15k 12.05% CF 13,678 · ≤15k 10.77% CF 16,092 · >15k 10.30% CF 18,176 · >15k 9.83% CF 20,195 · >15k 9.67% CF 21,938 · >15k 8.60% CF 24,449 · >15k
DEL-PAR
DEL — Parastatale
 Altri 13.34% CF 6,352 · ≤15k 9.91% CF 9,384 · ≤15k 13.90% CF 11,180 · ≤15k 7.47% CF 15,084 · >15k 6.91% CF 17,761 · >15k 6.52% CF 20,328 · >15k 6.24% CF 22,791 · >15k 6.02% CF 25,152 · >15k 5.85% CF 27,415 · >15k
DEL-MUN
DEL — Comunale
 Altri 23.94% CF 5,818 · ≤15k → verde a provv ≤ 3.4% 16.90% CF 8,583 · ≤15k 13.66% CF 11,225 · ≤15k 15.74% CF 12,708 · ≤15k 14.04% CF 14,879 · ≤15k 12.04% CF 17,311 · >15k 12.12% CF 18,796 · >15k 8.67% CF 22,748 · >15k 10.92% CF 22,335 · >15k
DEL-PRI
DEL — Privato
 Altri 32.39% CF 5,462 · ≤15k non recuperabile 17.62% CF 8,509 · ≤15k 21.36% CF 9,959 · ≤15k → verde a provv ≤ 4.5% 19.77% CF 11,785 · ≤15k 17.90% CF 13,644 · ≤15k 17.17% CF 15,141 · >15k 15.67% CF 16,927 · >15k 12.08% CF 20,178 · >15k 13.33% CF 20,446 · >15k
DEL-SMB
DEL — SMB
 Altri 27.96% CF 5,642 · ≤15k → verde a provv ≤ 1.5% 19.52% CF 8,319 · ≤15k 15.63% CF 10,873 · ≤15k 13.40% CF 13,309 · ≤15k 11.96% CF 15,631 · >15k 18.19% CF 14,768 · ≤15k 10.21% CF 19,951 · >15k 9.65% CF 21,956 · >15k 15.54% CF 18,943 · >15k
DEL-MED
DEL — Medico
 Altri 18.78% CF 6,064 · ≤15k 13.52% CF 8,952 · ≤15k 11.10% CF 11,717 · ≤15k 9.72% CF 14,364 · ≤15k 8.82% CF 16,897 · >15k 8.20% CF 19,320 · >15k 7.74% CF 21,639 · >15k 7.39% CF 23,856 · >15k 7.12% CF 25,975 · >15k