Detailed report — T2 in Melun — SCI à l’IS · ID 01
Tax regime:SCI IS
1. Your deal at a glanceSummary
Each property's figures are shown at the year you plan to sell it (an input you set per property, section 5).
- Cash at purchase1Total investment (day 0)€24,410
- Payments after the purchase2Owner payments after the purchase up to the sale€5,957
- Total cash put in3Cash at purchase + payments after the purchase€30,367
- Tax paid during ownership4Cumulative IS + the owners’ tax on compte-courant interest€0
- Tax paid at sale5IS on the sale gain + exit (PFU) tax€17,068
- Cash in hand at the end if you sell in year 15 (account + sale), after all taxes6Net cash to the associates at the sale, after all taxes€54,239
- Net gain7Cash in hand at the end − total cash put in€23,872
- Return per year (MWRR, after all taxes)8MWRR after sale (money-weighted return), after all taxes4.27%
- Money back year9Breakeven year7
| T2 in Melun — SCI à l’IS · ID 01 | |
|---|---|
| Cash at purchase1Total investment (day 0) | €24,410 |
| Payments after the purchase2Owner payments after the purchase up to the sale | €5,957 |
| Total cash put in3Cash at purchase + payments after the purchase | €30,367 |
| Tax paid during ownership4Cumulative IS + the owners’ tax on compte-courant interest | €0 |
| Tax paid at sale5IS on the sale gain + exit (PFU) tax | €17,068 |
| Cash in hand at the end if you sell in year 15 (account + sale), after all taxes6Net cash to the associates at the sale, after all taxes | €54,239 |
| Net gain7Cash in hand at the end − total cash put in | €23,872 |
| Return per year (MWRR, after all taxes)8MWRR after sale (money-weighted return), after all taxes | 4.27% |
| Money back year9Breakeven year | 7 |
- 1 Cash at purchase = everything the owners put in at the purchase (down payment, works and furniture paid in cash, fees paid in cash, the shortfall when the loan is not enough)
- 2 Payments after the purchase = Σ payments after the purchase, years 1 to N: added only when the account would go below €0, after any surplus already in it
- 3 Total cash put in = cash at purchase + payments after the purchase
- 4 Tax paid during ownership = Σ IS on each year’s profit, years 1 to N + the owners’ 31.4% tax on the compte-courant interest
- 5 Tax paid at sale = IS on the sale gain + exit tax (31.4% PFU); can be negative for a property of a multi-property SCI (a credit)
- 6 Cash in hand at the end if you sell in year 15 (account + sale), after all taxes = net cash to the associates if the SCI sells in year N, after all taxes
- 7 Net gain = cash in hand at the end − total cash put in
- 8 Return per year (MWRR, after all taxes) = MWRR: the rate R such that Σ cash put in × (1 + R)^(N − t) = cash in hand at the end; when the properties are sold in different years, each payout counts at its own date (Σ cash put in × (1 + R)^(N − t) = Σ payouts × (1 + R)^(N − t))
- 9 Money back year = first year in which the net gain if you sold would be ≥ 0
2. Where your rent goes, year after yearRent = money lost (tax included) + capital repaid + cash kept after tax
The line along the top of the bars is each year’s rent; the bar shows where it goes: at the bottom, in green, what is yours (the capital repaid, then the cash kept after tax); stacked on top, in red, the money lost (interest, running costs and that year’s corporate tax). The top of the green is your profit of the year; the dashed line is its average over the years shown. Point at (or tap) a year to read the share of the rent you keep.
When the cash kept after tax is negative it is drawn below zero, and the part above zero (money lost, corporate tax included, + capital repaid) overshoots the rent line by exactly that amount: the rent did not cover everything, and the difference came out of your pocket.
T2 in Melun — SCI à l’IS · ID 01 — where your rent goes, each year
Year 25 — 43.4% of the rent is yours to keep
- Cash kept after taxCash kept after tax-€496
- Capital repaidCapital repaid€6,088
- =Profit per year after tax€5,592
- Corporate tax (IS) of the yearCorporate tax (IS) of the year€440
- Yearly repairsYearly repairs€806
- Home insurance, accountant, bank feesHome insurance, accountant, bank fees€480
- Co-ownership chargesCo-ownership charges€2,432
- Taxe foncièreTaxe foncière€2,972
- Borrower insuranceBorrower insurance€96
- Loan interestLoan interest€75
- Rent of the yearRent of the year€12,894
- 25-year average profit after tax25-year average profit after tax€4,321/yr
The account interest (earned or paid) and the interest on the shareholder current account (compte courant) are not on this chart; the tax shown is the year’s tax (for an SCI it includes the corporate tax on the account interest): see “Your wealth over time”.
3. Your profit over timeCumulative build-up of the final amount (MWRR calc pages, Part 3)
Each year's net result added up, from the cash at purchase (day one) to what you walk away with at the sale.
T2 in Melun — SCI à l’IS · ID 01
Before any taxReturns Before Taxation
T2 in Melun — SCI à l’IS · ID 01 — cumulative build-up, before any tax (year 15)
Year 15
- Cash at purchase (day one)Cash at purchase (day one)€0
- Rent kept after all costs (that year)Rent kept after all costs (that year)-€230
- Equity on day one (price − loan)Equity on day one (price − loan)€6,500
- Loan paid off (equity built)Loan paid off (equity built)€62,407
- Property value increaseProperty value increase€9,633
- Total profitTotal profit€48,173
Cash flow year by year, with your down payment (before tax)
you pay in (payments after the purchase)you pay in (payments after the purchase)small shortfall covered by the SCI’s cashsmall shortfall covered by the SCI’s cashthe property pays youthe property pays youyour share of the property (if you keep it)your share of the property (if you keep it)
You pay in years 1 to 15: €5,957 of payments after the purchase in total (€48 a month in year 1). Money out of your pocket in all: down payment €24,410 + payments after the purchase €5,957 = €30,367. In year 15, your share of the property (if you keep it): +€78,540.
After company taxIS Taxation
T2 in Melun — SCI à l’IS · ID 01 — cumulative build-up, after company tax (year 15)
Year 15
- Cash at purchase (day one)Cash at purchase (day one)€0
- Rent kept after all costs (that year)Rent kept after all costs (that year)-€230
- Equity on day one (price − loan)Equity on day one (price − loan)€6,500
- Loan paid off (equity built)Loan paid off (equity built)€62,407
- Property value increaseProperty value increase€9,633
- Total profitTotal profit€48,173
Cash flow year by year, with your down payment (after corporate tax)
you pay in (payments after the purchase)you pay in (payments after the purchase)small shortfall covered by the SCI’s cashsmall shortfall covered by the SCI’s cashthe property pays youthe property pays youyour share of the property (if you keep it)your share of the property (if you keep it)
You pay in years 1 to 15: €5,957 of payments after the purchase in total (€48 a month in year 1). Money out of your pocket in all: down payment €24,410 + payments after the purchase €5,957 = €30,367. In year 15, your share of the property (if you keep it): +€78,540.
If you sellSelling the Property
T2 in Melun — SCI à l’IS · ID 01 — cumulative build-up, if you sell (year 15)
Year 15
- Cash at purchase (day one)Cash at purchase (day one)€0
- Rent kept after all costs (that year)Rent kept after all costs (that year)-€230
- What the sale leaves after the loan and feesWhat the sale leaves after the loan and fees€71,307
- Company tax on the sale profitCompany tax on the sale profit-€6,141
- Exit tax (on the payout)Exit tax (on the payout)-€10,927
- Total profitTotal profit€23,872
Cash flow year by year, with your down payment (if you sell in year 15)
you pay in (payments after the purchase)you pay in (payments after the purchase)small shortfall covered by the SCI’s cashsmall shortfall covered by the SCI’s cashthe property pays youthe property pays yousale of the propertysale of the property
You pay in years 1 to 15: €5,957 of payments after the purchase in total (€48 a month in year 1). Money out of your pocket in all: down payment €24,410 + payments after the purchase €5,957 = €30,367. In year 15, sale of the property: +€54,239.
Total cash put in €30,367+Total profit €23,872=Cash in hand at the end if you sell in year 15 (account + sale), after all taxes €54,239
(of which €24,410 at purchase and €5,957 of payments after the purchase)
4. Your wealth over timeReturns Before Taxation / IS Taxation / Selling the Property (charts)
One chart, three tax stages: what the property is worth to you if nothing is ever sold (before any tax), after the company's own tax, and what you actually get if you sell that year. The key numbers under each chart are at the year you plan to sell; the yearly-return line is the MWRR (Money-Weighted Rate of Return) of your cash stream at each candidate exit year — see the link under each chart for the full derivation.
T2 in Melun — SCI à l’IS · ID 01
Before any taxReturns Before Taxation
T2 in Melun — SCI à l’IS · ID 01 — your wealth, before taxes
Year 25
- Your equity (Day-1 equity + loan paid off)Your equity (Day-1 equity + loan paid off)€124,000
- Rent kept after all costs (cumulative)Rent kept after all costs (cumulative)-€7,236
- Interest earned (or paid) on the rent you keepInterest earned (or paid) on the rent you keep€0
- Interest paid to you by the companyInterest paid to you by the company€0
- Property value increaseProperty value increase€16,467
- Your cash in the company account (left after the purchase + shortfall payments after the purchase)Your cash in the company account (left after the purchase + shortfall payments after the purchase)€9,464
- TotalTotal€142,695
- Cash at purchase + payments after the purchaseCash at purchase + payments after the purchase€33,874
- Money backMoney backYear 5
Your equity (Day-1 equity + loan paid off)€68,907Equity = Day-1 Equity + Σ Equity from Loan (the Equity from Loan page shows the loan paid off part)
Savings account before company tax (incl. interest)€0Cum. Cash Flow (with interest)
Property value increase€9,633Appreciation
What the property is worth to you at year 15 (unsold, before tax)€78,540Property Networth
T2 in Melun — SCI à l’IS · ID 01 — yearly return on your cash, before taxes
How this yearly return is calculated (MWRR, before tax)See how it’s calculated →
After company taxIS Taxation
T2 in Melun — SCI à l’IS · ID 01 — your wealth, after company tax
Year 25
- Your equity (Day-1 equity + loan paid off)Your equity (Day-1 equity + loan paid off)€124,000
- Rent kept after all costs (cumulative)Rent kept after all costs (cumulative)-€7,236
- Interest earned (or paid) on the rent you keepInterest earned (or paid) on the rent you keep€0
- Interest paid to you by the companyInterest paid to you by the company€0
- Property value increaseProperty value increase€16,467
- Company tax (IS)Company tax (IS)-€2,228
- Your cash in the company account (left after the purchase + shortfall payments after the purchase)Your cash in the company account (left after the purchase + shortfall payments after the purchase)€9,464
- TotalTotal€140,467
- Cash at purchase + payments after the purchaseCash at purchase + payments after the purchase€33,874
- Money backMoney backYear 5
Lending the company money at interest adds €0 of cash flow along the way (through Year 15).
Lending money to your company: is it worth it? (with / without)See how it’s calculated →
What the property is worth to you at year 15 (unsold, before tax)€78,540Property Networth
Company tax paid so far€0Cum. IS Tax
What the property is worth to you at year 15, after company tax€78,540Property Networth After IS
T2 in Melun — SCI à l’IS · ID 01 — yearly return on your cash, after company tax
How this yearly return is calculated (MWRR, after company tax)See how it’s calculated →
If you sellSelling the Property
T2 in Melun — SCI à l’IS · ID 01 — if you sell: what you actually get
Year 25
- Your equity (Day-1 equity + loan paid off)Your equity (Day-1 equity + loan paid off)€124,000
- Rent kept after all costs (cumulative)Rent kept after all costs (cumulative)-€7,236
- Interest earned (or paid) on the rent you keepInterest earned (or paid) on the rent you keep€0
- Interest paid to you by the companyInterest paid to you by the company€0
- Property value increaseProperty value increase€16,467
- Company tax paid during ownershipCompany tax paid during ownership-€2,228
- Company tax on the sale profitCompany tax on the sale profit-€17,779
- Sale costs (agency fee + loan payoff costs)Sale costs (agency fee + loan payoff costs)-€7,023
- Exit tax (on the payout)Exit tax (on the payout)-€25,682
- Your cash in the company account (left after the purchase + shortfall payments after the purchase)Your cash in the company account (left after the purchase + shortfall payments after the purchase)€9,464
- TotalTotal€89,982
- Cash at purchase + payments after the purchaseCash at purchase + payments after the purchase€33,874
- Money backMoney backYear 7
Lending the company €24,410 at 0.0% leaves you +€0 better off at sale (Year 15).
Money available at sale (before exit tax)€65,166Total Distributable
Exit tax (on the payout)€10,927Impôt (exit distribution tax)
Cash you walk away with (after all taxes)€54,239Net Cash to Associates
T2 in Melun — SCI à l’IS · ID 01 — yearly return on your cash if you sell that year (after all taxes)
How this yearly return is calculated (MWRR, after sale)See how it’s calculated →
5. Your inputs and one-off costsInputs, Cost & Outflow, Cash / EQUITY
Purchase price and costs
- Purchase price(given)€124,000
- Notary fees(given)€8,810
- Agency fee(given)€9,100
- Other purchase costs (estimate)(given)€0
- Renovation works (travaux)(given)€0
- Furniture(given)€0
- Estimated value after works(given)€124,000
- Total purchase cost1Total Cost€141,910
| T2 in Melun — SCI à l’IS · ID 01 | |
|---|---|
| Purchase price(given) | €124,000 |
| Notary fees(given) | €8,810 |
| Agency fee(given) | €9,100 |
| Other purchase costs (estimate)(given) | €0 |
| Renovation works (travaux)(given) | €0 |
| Furniture(given) | €0 |
| Estimated value after works(given) | €124,000 |
| Total purchase cost1Total Cost | €141,910 |
- 1 Total purchase cost = Purchase price + Notary fees + Agency fee + Other purchase costs + Renovation works + Furniture
Monthly costs & income
- Loan insurance per month(given)€8
- Building charges (syndic) per month(given)€126
- Utilities per month(given)€0
- Property tax (taxe foncière) per month(given)€154
- Home insurance per month(given)€16
- Accountant fees per month(given)€21
- Bank fees per month(given)€3
- Rent income per month(given)€883
- Months per year without rent (vacancy)(given)0.50
- Yearly repairs (% of rent collected, excl. charges)(given)6.25%
| T2 in Melun — SCI à l’IS · ID 01 | |
|---|---|
| Loan insurance per month(given) | €8 |
| Building charges (syndic) per month(given) | €126 |
| Utilities per month(given) | €0 |
| Property tax (taxe foncière) per month(given) | €154 |
| Home insurance per month(given) | €16 |
| Accountant fees per month(given) | €21 |
| Bank fees per month(given) | €3 |
| Rent income per month(given) | €883 |
| Months per year without rent (vacancy)(given) | 0.50 |
| Yearly repairs (% of rent collected, excl. charges)(given) | 6.25% |
Loan
- Loan amount(given)€117,500
- Interest rate(given)2.27%
- Loan term (years)(given)25
| T2 in Melun — SCI à l’IS · ID 01 | |
|---|---|
| Loan amount(given) | €117,500 |
| Interest rate(given) | 2.27% |
| Loan term (years)(given) | 25 |
Money you lend the company (compte courant)
- Money you personally lend to the company(given)€24,410
- Interest rate on the money you lend the company (per year)(given)0.00%
| T2 in Melun — SCI à l’IS · ID 01 | |
|---|---|
| Money you personally lend to the company(given) | €24,410 |
| Interest rate on the money you lend the company (per year)(given) | 0.00% |
Maximum deductible compte courant rate (legal cap): none (the interest is deducted in full). It is a legal rate that changes every quarter — look up the current one. The company deducts compte courant interest only up to it; you still receive the full interest.
Growth assumptions (25-year projection)
- Rent growth per year(given)1.00%
- Property tax growth per year(given)2.00%
- Building charges growth per year(given)2.00%
- Property value growth per year(given)0.50%
- Interest rate on rent you keep(given)4.00%
- Lender’s rate when the company runs short(given)0.00%
| T2 in Melun — SCI à l’IS · ID 01 | |
|---|---|
| Rent growth per year(given) | 1.00% |
| Property tax growth per year(given) | 2.00% |
| Building charges growth per year(given) | 2.00% |
| Property value growth per year(given) | 0.50% |
| Interest rate on rent you keep(given) | 4.00% |
| Lender’s rate when the company runs short(given) | 0.00% |
The lender's rate is ONE setting for the whole company, which can never be in overdraft: above 0%, a lender lends the company's savings account (§4) what it is short, at that rate (a short-term loan); at 0% you add the cash yourself. Rate used for this report: 0.00%.
Selling assumptions
- Selling agency fee(given)5.00%
- Loan payoff costs (release fee + early-repayment penalty)(given)1.00%
- Building wear-and-tear deduction rate (depreciation)(given)2.50%
- Tax rate on money you take out at salerate set by law — the 31.4% PFU flat tax since the LFSS 202631.40%
- Year you plan to sell(given)15
| T2 in Melun — SCI à l’IS · ID 01 | |
|---|---|
| Selling agency fee(given) | 5.00% |
| Loan payoff costs (release fee + early-repayment penalty)(given) | 1.00% |
| Building wear-and-tear deduction rate (depreciation)(given) | 2.50% |
| Tax rate on money you take out at salerate set by law — the 31.4% PFU flat tax since the LFSS 2026 | 31.40% |
| Year you plan to sell(given) | 15 |
The exit tax rate is set by law: the 31.4% PFU flat tax since the LFSS 2026 (12.8% income tax + 18.6% social contributions). It is not a setting.
Corporate tax (IS) rates set by law: 15% up to €42,500 of profit a year (under conditions: turnover below €10 million excluding VAT, capital fully paid up and at least 75% held by individuals), 25% above (CGI article 219). It is not a setting.
SCI share capital: €0 No share capital entered: everything above the compte courant is taxed at the exit. Set it in a portfolio’s ⋯ menu (a property on its own has none).
Your costs (year 1) (Cost & Outflow)
- Running costs per month (excl. loan)1Operation Expenses (Total OpEx) — Monthly€373
- All costs per month (incl. loan interest)2Total Expenses — Monthly€600
- All cash out per month (incl. loan repayment)3Total Outgoings — Monthly€895
- Running costs per year (excl. loan)4Operation Expenses (Total OpEx) — Annual€4,475
- All costs per year (incl. loan interest)5Total Expenses — Annual€7,201
- All cash out per year (incl. loan repayment)6Total Outgoings — Annual€10,734
| T2 in Melun — SCI à l’IS · ID 01 | |
|---|---|
| Running costs per month (excl. loan)1Operation Expenses (Total OpEx) — Monthly | €373 |
| All costs per month (incl. loan interest)2Total Expenses — Monthly | €600 |
| All cash out per month (incl. loan repayment)3Total Outgoings — Monthly | €895 |
| Running costs per year (excl. loan)4Operation Expenses (Total OpEx) — Annual | €4,475 |
| All costs per year (incl. loan interest)5Total Expenses — Annual | €7,201 |
| All cash out per year (incl. loan repayment)6Total Outgoings — Annual | €10,734 |
- 1 Running costs per month (excl. loan) = Condo/Syndic + Utilities + Property Tax + Home Insurance + Accountant Fees + Bank Fees — Total Expenses minus Loan Interest and Loan Insurance (both financing costs, excluded from OpEx) Also included: the yearly repairs (÷ 12 for a month).
- 2 All costs per month (incl. loan interest) = Loan Interest + Loan Insurance + Condo/Syndic + Utilities + Property Tax + Home Insurance + Accountant Fees + Bank Fees Also included: the yearly repairs (÷ 12 for a month).
- 3 All cash out per month (incl. loan repayment) = Total Expenses (Monthly) + Loan Principal (Monthly) — the full monthly cash cost of holding the property, all-in (operating expenses plus debt paydown)
- 4 Running costs per year (excl. loan) = Operation Expenses Monthly × 12 Also included: the yearly repairs.
- 5 All costs per year (incl. loan interest) = Total Expenses Monthly × 12 Also included: the yearly repairs.
- 6 All cash out per year (incl. loan repayment) = Total Outgoings Monthly × 12
What you paid in (Cash / EQUITY)
- Down payment(given)€24,410
- …of which: your share of the price (price − loan)1…of which: Equity€6,500
- …of which: purchase fees2…of which: Cost (fees)€17,910
- Cash left in the company account (not spent on the property)3Bank Injection€0
- Renovation works (travaux)(given)€0
- …declared to the tax office(given)€0
- …declared: repairs & maintenance (deducted in year 1)4declaredRepairs — part of the declared works deducted in Year 1€0
- …declared: improvements (depreciated)5declaredTravaux − declaredRepairs — capitalised and depreciated over improvementsDepreciationYears€0
- Furniture(given)€0
- …declared to the tax office(given)€0
- Money you pay into the company6Owner money into the SCI = Down payment + declared works + declared furniture (+ shortfall)€24,410
- Works + furniture you pay personally (not declared)7Undeclared works = max(Travaux − declared, 0) + max(Furniture − declared, 0), outside the SCI€0
- Cash at purchase8TOTAL INVESTMENT€24,410
- Cash at purchase ÷ Total purchase cost9Total Investment ÷ Total Cost17.20%
- Money you personally lend to the company(given)€24,410
- Interest rate on the money you lend the company (per year)(given)0.00%
- Deducted in year 1 (fees + declared repairs)10TOTAL INVESTMENT FEES€17,910
| T2 in Melun — SCI à l’IS · ID 01 | |
|---|---|
| Down payment(given) | €24,410 |
| …of which: your share of the price (price − loan)1…of which: Equity | €6,500 |
| …of which: purchase fees2…of which: Cost (fees) | €17,910 |
| Cash left in the company account (not spent on the property)3Bank Injection | €0 |
| Renovation works (travaux)(given) | €0 |
| …declared to the tax office(given) | €0 |
| …declared: repairs & maintenance (deducted in year 1)4declaredRepairs — part of the declared works deducted in Year 1 | €0 |
| …declared: improvements (depreciated)5declaredTravaux − declaredRepairs — capitalised and depreciated over improvementsDepreciationYears | €0 |
| Furniture(given) | €0 |
| …declared to the tax office(given) | €0 |
| Money you pay into the company6Owner money into the SCI = Down payment + declared works + declared furniture (+ shortfall) | €24,410 |
| Works + furniture you pay personally (not declared)7Undeclared works = max(Travaux − declared, 0) + max(Furniture − declared, 0), outside the SCI | €0 |
| Cash at purchase8TOTAL INVESTMENT | €24,410 |
| Cash at purchase ÷ Total purchase cost9Total Investment ÷ Total Cost | 17.20% |
| Money you personally lend to the company(given) | €24,410 |
| Interest rate on the money you lend the company (per year)(given) | 0.00% |
| Deducted in year 1 (fees + declared repairs)10TOTAL INVESTMENT FEES | €17,910 |
- 1 …of which: your share of the price (price − loan) = Purchase Price − Loan Amount
- 2 …of which: purchase fees = Notary + Agency + Other acquisition costs
- 3 Cash left in the company account (not spent on the property) = Down Payment − (Equity + Cost) — cash that lands in the SCI's account but isn't spent on this property (the declared works cancel out: you add them and the company spends them; the auto loan never finances works). Still your money: it is counted in Total Investment, earns interest in the company account and is paid back at the sale. If negative (the down payment is short of Equity + Cost), you cover the gap personally: it is added to Total Investment and the account starts at 0
- 4 …declared: repairs & maintenance (deducted in year 1) = Deducted from the taxable profit in Year 1 (repairs that keep the property in use — general expenses, CGI art. 39-1-1°; BOI-BIC-CHG-20-20-10). A property saved before this split has none: all its declared works are improvements
- 5 …declared: improvements (depreciated) = Capitalised and depreciated over the improvement life (default 15 years — common practice, not a legal figure; CGI art. 39-1-2°, BOI-BIC-CHG-20-20-20) — on the Depreciation page
- 6 Money you pay into the company = Down payment + declared works + declared furniture (+ any shortfall you cover): the declared works are paid by the company, with cash you add on top of the down payment
- 7 Works + furniture you pay personally (not declared) = Works + furniture not declared: paid by you personally, outside the company — not company cash or a deductible cost, but part of the cash at purchase
- 8 Cash at purchase = Money you pay into the company + works you pay personally (= Down Payment + Renovation works + Furniture, + any down-payment shortfall you cover personally) — the denominator used everywhere "return on investment" is calculated (the verdict card, §1, §3 and §4)
- 9 Cash at purchase ÷ Total purchase cost = Cash at purchase (row above) ÷ Total purchase cost (first table of this section) — how much of the acquisition cost is covered by the cash at purchase vs. financed
- 10 Deducted in year 1 (fees + declared repairs) = Cost (fees) + declared repairs — deducted once, in Year 1, by the company tax (§4's "After company tax" stage). Since 2026-09-27 the declared improvements and furniture are depreciated instead (Depreciation page)
Loan details & amortization schedule
T2 in Melun — SCI à l’IS · ID 01
€117,500 at 2.27% over 25 years — monthly payment €514
| Year | Opening balance | Payment (yr) | Interest (yr) | Principal (yr) | Closing balance |
|---|---|---|---|---|---|
| 1 | €117,500 | €6,163 | €2,631 | €3,533 | €113,967 |
| 2 | €113,967 | €6,163 | €2,550 | €3,614 | €110,353 |
| 3 | €110,353 | €6,163 | €2,467 | €3,697 | €106,657 |
| 4 | €106,657 | €6,163 | €2,382 | €3,781 | €102,875 |
| 5 | €102,875 | €6,163 | €2,295 | €3,868 | €99,007 |
| 6 | €99,007 | €6,163 | €2,206 | €3,957 | €95,050 |
| 7 | €95,050 | €6,163 | €2,116 | €4,048 | €91,002 |
| 8 | €91,002 | €6,163 | €2,023 | €4,141 | €86,862 |
| 9 | €86,862 | €6,163 | €1,928 | €4,236 | €82,626 |
| 10 | €82,626 | €6,163 | €1,831 | €4,333 | €78,294 |
| 11 | €78,294 | €6,163 | €1,731 | €4,432 | €73,861 |
| 12 | €73,861 | €6,163 | €1,630 | €4,534 | €69,328 |
| 13 | €69,328 | €6,163 | €1,526 | €4,638 | €64,690 |
| 14 | €64,690 | €6,163 | €1,419 | €4,744 | €59,946 |
| 15 | €59,946 | €6,163 | €1,310 | €4,853 | €55,093 |
| 16 | €55,093 | €6,163 | €1,199 | €4,964 | €50,129 |
| 17 | €50,129 | €6,163 | €1,085 | €5,078 | €45,051 |
| 18 | €45,051 | €6,163 | €969 | €5,195 | €39,856 |
| 19 | €39,856 | €6,163 | €850 | €5,314 | €34,542 |
| 20 | €34,542 | €6,163 | €728 | €5,436 | €29,107 |
| 21 | €29,107 | €6,163 | €603 | €5,560 | €23,546 |
| 22 | €23,546 | €6,163 | €476 | €5,688 | €17,858 |
| 23 | €17,858 | €6,163 | €345 | €5,818 | €12,040 |
| 24 | €12,040 | €6,163 | €212 | €5,952 | €6,088 |
| 25 | €6,088 | €6,163 | €75 | €6,088 | €0 |
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The results are estimates, not tax or financial advice.