{"id":179,"date":"2026-02-23T10:50:07","date_gmt":"2026-02-23T10:50:07","guid":{"rendered":"https:\/\/www.piattaformafcr.it\/app\/?page_id=179"},"modified":"2026-02-25T18:28:30","modified_gmt":"2026-02-25T18:28:30","slug":"simolatore-banca-reale","status":"publish","type":"page","link":"https:\/\/www.piattaformafcr.it\/app\/simolatore-banca-reale\/","title":{"rendered":"Simolatore banca reale"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"179\" class=\"elementor elementor-179\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91ec2df e-flex e-con-boxed e-con e-parent\" data-id=\"91ec2df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-786723f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"786723f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.piattaformafcr.it\/app\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Torna alla Home<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b8b235 e-con-full e-flex e-con e-parent\" data-id=\"2b8b235\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9be7c7c elementor-widget elementor-widget-html\" data-id=\"9be7c7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!DOCTYPE html>\r\n<html lang=\"it\">\r\n<head>\r\n    <meta charset=\"UTF-8\">\r\n    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n    <title>Simulatore Efficientamento Condominiale<\/title>\r\n    <script src=\"https:\/\/cdn.tailwindcss.com\"><\/script>\r\n    <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/jspdf\/2.5.1\/jspdf.umd.min.js\"><\/script>\r\n    <style>\r\n        body { font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; background-color: #f4f7f6; }\r\n        .card { background: white; border-radius: 12px; box-shadow: 0 4px 6px rgba(0,0,0,0.1); }\r\n        .input-group label { display: block; font-size: 0.875rem; font-weight: 600; color: #374151; margin-bottom: 0.5rem; }\r\n        .input-group input { width: 100%; padding: 0.75rem; border: 1px solid #d1d5db; border-radius: 8px; outline: none; transition: border-color 0.2s; }\r\n        .input-group input:focus { border-color: #10b981; }\r\n        .highlight { color: #059669; font-weight: bold; }\r\n        .negative { color: #dc2626; font-weight: bold; }\r\n    <\/style>\r\n<\/head>\r\n<body class=\"p-4 md:p-8\">\r\n    <div class=\"max-w-4xl mx-auto\">\r\n        <header class=\"mb-8 text-center\">\r\n            <h1 class=\"text-3xl font-bold text-gray-800\">Simulatore Finanziario Condominio<\/h1>\r\n            <p class=\"text-gray-600\">Analisi costi-benefici: Cappotto, Caldaia e Fotovoltaico<\/p>\r\n        <\/header>\r\n\r\n        <div class=\"grid grid-cols-1 md:grid-cols-2 gap-8\">\r\n            <div class=\"card p-6\">\r\n                <h2 class=\"text-xl font-semibold mb-4 border-b pb-2\">Parametri Progetto<\/h2>\r\n                <div class=\"space-y-4\">\r\n                    <div class=\"input-group\">\r\n                        <label>Capitale Totale Finanziato (\u20ac)<\/label>\r\n                        <input type=\"number\" id=\"capitale\" value=\"310000\" oninput=\"calcola()\">\r\n                    <\/div>\r\n                    <div class=\"input-group\">\r\n                        <label>Numero Unit\u00e0 Immobiliari<\/label>\r\n                        <input type=\"number\" id=\"unita\" value=\"20\" oninput=\"calcola()\">\r\n                    <\/div>\r\n                    <div class=\"grid grid-cols-2 gap-4\">\r\n                        <div class=\"input-group\">\r\n                            <label>Tasso (TAN %)<\/label>\r\n                            <input type=\"number\" id=\"tasso\" value=\"6\" step=\"0.1\" oninput=\"calcola()\">\r\n                        <\/div>\r\n                        <div class=\"input-group\">\r\n                            <label>Durata (Anni)<\/label>\r\n                            <input type=\"number\" id=\"durata\" value=\"10\" oninput=\"calcola()\">\r\n                        <\/div>\r\n                    <\/div>\r\n                    <div class=\"input-group\">\r\n                        <label>Detrazione Fiscale (%)<\/label>\r\n                        <input type=\"number\" id=\"detrazionePerc\" value=\"50\" readonly class=\"bg-gray-100\">\r\n                    <\/div>\r\n                    \r\n                    <button onclick=\"generaRichiesta()\" class=\"w-full mt-4 bg-blue-600 hover:bg-blue-700 text-white font-bold py-3 px-4 rounded-xl transition-colors shadow-lg flex items-center justify-center gap-2\">\r\n                        <svg class=\"w-5 h-5\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\"><path d=\"M9 12h6m-6 4h6m2 5H7a2 2 0 01-2-2V5a2 2 0 012-2h5.586a1 1 0 01.707.293l5.414 5.414a1 1 0 01.293.707V19a2 2 0 01-2 2z\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n                        Genera Richiesta PDF\r\n                    <\/button>\r\n                <\/div>\r\n            <\/div>\r\n\r\n            <div class=\"card p-6 bg-emerald-50 border border-emerald-100\">\r\n                <h2 class=\"text-xl font-semibold mb-4 text-emerald-800\">Sintesi per Unit\u00e0 (Mensile)<\/h2>\r\n                <div class=\"space-y-6\">\r\n                    <div class=\"flex justify-between items-center pb-2 border-b border-emerald-200\">\r\n                        <span class=\"text-gray-700\">Rata Banca:<\/span>\r\n                        <span id=\"resRata\" class=\"negative\">- \u20ac 0,00<\/span>\r\n                    <\/div>\r\n                    <div class=\"flex justify-between items-center pb-2 border-b border-emerald-200\">\r\n                        <span class=\"text-gray-700\">Risparmio Bolletta (stima):<\/span>\r\n                        <span id=\"resRisparmio\" class=\"highlight\">+ \u20ac 0,00<\/span>\r\n                    <\/div>\r\n                    <div class=\"flex justify-between items-center pb-2 border-b border-emerald-200\">\r\n                        <span class=\"text-gray-700\">Recupero Fiscale (IRPEF):<\/span>\r\n                        <span id=\"resDetrazione\" class=\"highlight\">+ \u20ac 0,00<\/span>\r\n                    <\/div>\r\n                    <div class=\"flex justify-between items-center pt-4\">\r\n                        <span class=\"text-xl font-bold text-emerald-900\">ESBORSO NETTO:<\/span>\r\n                        <span id=\"resNetto\" class=\"text-2xl font-black text-emerald-900\">\u20ac 0,00<\/span>\r\n                    <\/div>\r\n                    <p class=\"text-xs text-emerald-700 italic mt-4\">\r\n                        * Il risparmio energetico \u00e8 calcolato mediamente al 55% sui consumi storici. [cite: 374, 375]\r\n                    <\/p>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"card mt-8 overflow-hidden\">\r\n            <table class=\"min-w-full divide-y divide-gray-200 text-left\">\r\n                <thead class=\"bg-gray-50\">\r\n                    <tr>\r\n                        <th class=\"px-6 py-3 text-xs font-medium text-gray-500 uppercase\">Dettaglio Totale Condominio<\/th>\r\n                        <th class=\"px-6 py-3 text-xs font-medium text-gray-500 uppercase text-right\">Valore<\/th>\r\n                    <\/tr>\r\n                <\/thead>\r\n                <tbody class=\"divide-y divide-gray-200\">\r\n                    <tr>\r\n                        <td class=\"px-6 py-4 text-sm text-gray-700\">Costo Istruttoria (1,5%)<\/td>\r\n                        <td id=\"tabIstruttoria\" class=\"px-6 py-4 text-sm text-right font-mono\">\u20ac 0,00<\/td>\r\n                    <\/tr>\r\n                    <tr>\r\n                        <td class=\"px-6 py-4 text-sm text-gray-700\">Imposta Sostitutiva (0,25%)<\/td>\r\n                        <td id=\"tabImposta\" class=\"px-6 py-4 text-sm text-right font-mono\">\u20ac 0,00<\/td>\r\n                    <\/tr>\r\n                    <tr>\r\n                        <td class=\"px-6 py-4 text-sm text-gray-700\">Totale Interessi in <span class=\"anni-label\">10<\/span> anni<\/td>\r\n                        <td id=\"tabInteressi\" class=\"px-6 py-4 text-sm text-right font-mono\">\u20ac 0,00<\/td>\r\n                    <\/tr>\r\n                    <tr class=\"bg-gray-50\">\r\n                        <td class=\"px-6 py-4 text-sm font-bold text-gray-900\">Montante Complessivo (Capitale + Interessi)<\/td>\r\n                        <td id=\"tabMontante\" class=\"px-6 py-4 text-sm text-right font-bold font-mono\">\u20ac 0,00<\/td>\r\n                    <\/tr>\r\n                <\/tbody>\r\n            <\/table>\r\n        <\/div>\r\n    <\/div>\r\n\r\n    <script>\r\n        function calcola() {\r\n            const capitale = parseFloat(document.getElementById('capitale').value) || 0;\r\n            const unita = parseInt(document.getElementById('unita').value) || 1;\r\n            const tan = parseFloat(document.getElementById('tasso').value) \/ 100 || 0;\r\n            const anni = parseInt(document.getElementById('durata').value) || 1;\r\n            const detrazionePerc = 0.50;\r\n\r\n            document.querySelectorAll('.anni-label').forEach(el => el.innerText = anni);\r\n\r\n            const mesi = anni * 12;\r\n            const i = tan \/ 12;\r\n            let rataMensileTotale = 0;\r\n\r\n            if (i > 0) {\r\n                rataMensileTotale = capitale * (i * Math.pow(1 + i, mesi)) \/ (Math.pow(1 + i, mesi) - 1);\r\n            } else {\r\n                rataMensileTotale = capitale \/ mesi;\r\n            }\r\n\r\n            const rataPerUnita = rataMensileTotale \/ unita;\r\n            const risparmioAnnuoTotale = (capitale \/ 310000) * 17700;\r\n            const risparmioMensileUnita = (risparmioAnnuoTotale \/ 12) \/ unita;\r\n            const detrazioneMensileUnita = ((capitale * detrazionePerc) \/ anni \/ 12) \/ unita;\r\n            const netto = rataPerUnita - risparmioMensileUnita - detrazioneMensileUnita;\r\n\r\n            const istruttoria = capitale * 0.015;\r\n            const imposta = capitale * 0.0025;\r\n            const interessiTotali = (rataMensileTotale * mesi) - capitale;\r\n\r\n            \/\/ Update UI\r\n            document.getElementById('resRata').innerText = `- \u20ac ${rataPerUnita.toLocaleString('it-IT', {minimumFractionDigits: 2, maximumFractionDigits: 2})}`;\r\n            document.getElementById('resRisparmio').innerText = `+ \u20ac ${risparmioMensileUnita.toLocaleString('it-IT', {minimumFractionDigits: 2, maximumFractionDigits: 2})}`;\r\n            document.getElementById('resDetrazione').innerText = `+ \u20ac ${detrazioneMensileUnita.toLocaleString('it-IT', {minimumFractionDigits: 2, maximumFractionDigits: 2})}`;\r\n            document.getElementById('resNetto').innerText = `\u20ac ${Math.max(0, netto).toLocaleString('it-IT', {minimumFractionDigits: 2, maximumFractionDigits: 2})}`;\r\n            \r\n            document.getElementById('tabIstruttoria').innerText = `\u20ac ${istruttoria.toLocaleString('it-IT', {minimumFractionDigits: 2})}`;\r\n            document.getElementById('tabImposta').innerText = `\u20ac ${imposta.toLocaleString('it-IT', {minimumFractionDigits: 2})}`;\r\n            document.getElementById('tabInteressi').innerText = `\u20ac ${interessiTotali.toLocaleString('it-IT', {minimumFractionDigits: 2})}`;\r\n            document.getElementById('tabMontante').innerText = `\u20ac ${(capitale + interessiTotali).toLocaleString('it-IT', {minimumFractionDigits: 2})}`;\r\n        }\r\n\r\n        async function generaRichiesta() {\r\n            const { jsPDF } = window.jspdf;\r\n            const doc = new jsPDF();\r\n            \r\n            const data = {\r\n                capitale: document.getElementById('capitale').value,\r\n                unita: document.getElementById('unita').value,\r\n                rata: document.getElementById('resRata').innerText,\r\n                netto: document.getElementById('resNetto').innerText,\r\n                montante: document.getElementById('tabMontante').innerText\r\n            };\r\n\r\n            doc.setFontSize(20);\r\n            doc.text(\"Richiesta Finanziamento Condominiale\", 20, 20);\r\n            \r\n            doc.setFontSize(12);\r\n            doc.text(`Data: ${new Date().toLocaleDateString('it-IT')}`, 20, 35);\r\n            doc.text(`Capitale Richiesto: \u20ac ${data.capitale}`, 20, 50);\r\n            doc.text(`Unit\u00e0 Immobiliari: ${data.unita}`, 20, 60);\r\n            doc.text(\"--------------------------------------------------\", 20, 70);\r\n            doc.text(`Rata Mensile per Unit\u00e0: ${data.rata}`, 20, 80);\r\n            doc.text(`Esborso Netto Mensile Stimato: ${data.netto}`, 20, 90);\r\n            doc.text(`Montante Totale Operazione: ${data.montante}`, 20, 100);\r\n            \r\n            doc.setFontSize(10);\r\n            doc.setTextColor(100);\r\n            doc.text(\"* Documento generato da Piattaforma FCR - Simulatore V2.4\", 20, 120);\r\n\r\n            doc.save(\"Richiesta_Finanziamento_FCR.pdf\");\r\n            alert(\"Richiesta generata con successo!\");\r\n        }\r\n\r\n        window.onload = calcola;\r\n    <\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Torna alla Home Simulatore Efficientamento Condominiale Simulatore Finanziario Condominio Analisi costi-benefici: Cappotto, Caldaia e Fotovoltaico Parametri Progetto Capitale Totale Finanziato [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-179","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.piattaformafcr.it\/app\/wp-json\/wp\/v2\/pages\/179","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.piattaformafcr.it\/app\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.piattaformafcr.it\/app\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.piattaformafcr.it\/app\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.piattaformafcr.it\/app\/wp-json\/wp\/v2\/comments?post=179"}],"version-history":[{"count":16,"href":"https:\/\/www.piattaformafcr.it\/app\/wp-json\/wp\/v2\/pages\/179\/revisions"}],"predecessor-version":[{"id":213,"href":"https:\/\/www.piattaformafcr.it\/app\/wp-json\/wp\/v2\/pages\/179\/revisions\/213"}],"wp:attachment":[{"href":"https:\/\/www.piattaformafcr.it\/app\/wp-json\/wp\/v2\/media?parent=179"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}