Mortgage stress test
Your rata today vs Euribor +1, +2, +3 points. See when a variable rate stops being comfortable, and the max loan your income really sustains.
Today
The informal bank ceiling: your income sustains this loan at today's rate with the payment at 33%.
If Euribor rises
- Rate 3.50% — todayvs today: —€1,00133% · Tight
- Rate 4.50% (+1)vs today: +€110€1,11237% · Risky
- Rate 5.50% (+2)vs today: +€227€1,22841% · Risky
- Rate 6.50% (+3)vs today: +€349€1,35045% · Unsustainable
Simplified: French amortization on the TAN, no fees, insurance or spread changes. Variable-rate history lesson: Euribor went from −0.5% to 4% in 18 months (2022–23). Stress your rata before the bank does.
The 33% rule
Italian banks informally cap the payment at about a third of net household income. This tool shows your share today and — the part people skip — what it becomes when Euribor moves. Between early 2022 and mid 2023 the 3-month Euribor went from −0.5% to about 4%: on a €200k, 25-year variable mortgage that meant roughly €450/month more. That's the scenario the +3 row simulates.
Fixed vs variable, honestly
A fixed rate is insurance, and you pay the premium in a higher starting rate. The right question isn't "which is cheaper today" but "can I survive the +2 row?". If the +2 payment pushes you past 40% of income, variable is a bet you can't afford to lose. If even +3 stays comfortable, the variable discount is yours to take.
What's missing
- TAEG vs TAN — fees, insurance and taxes make the real cost higher; compare offers on the TAEG.
- Spread changes and caps — some variables have rate caps (tasso capped); worth their price in stress scenarios.
- Income growth — the share assumes today's income; raises make the stress rows kinder over time.