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Consulenza aziendale per la conservazione e il rilancio dell' impresa
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Analisi TEG e usura su Mutui, Leasing, Finanziamenti, Carte di credito Revolving

Il TEG o Tasso effettivo globale, è l'indice del costo complessivo di un finanziamento, espresso in termini percentuali e su base annua. Non comprende, diversamente dal TAEG o Tasso Annuo Effettivo Globale, gli oneri accessori, e le spese assicurative.

Serve a determinare il tasso massimo applicabile ad un finanziamento, oltre il quale non si può andare per non sconfinare nel reato di usura. Non è inconsueto, rilevare dopo una opportuna pre-analisi, che tale soglia venga facilmente superata, in particolare in presenza di operazioni di recupero crediti, applicazioni di more e spese non dovute, o addirittura per una questione intrinseca alla particolare natura del credito concesso, ad esempio nel caso di carte di credito revolving [rimborsabili con una quota mensile proporzionata all'utilizzo del loro plafond].

Recenti sentenze in merito, hanno consentito a moltissimi utenti di recuperare interessi indebitamente percepiti, ed in alcuni casi di vedersi annullare atti giudiziari,  promossi dai creditori in relazione al mancato rimborso proprio di quei finanziamenti.

Vuoi altre informazioni in merito? Compila il form qui a lato.
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