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Your equity — map — T2 in Melun — SCI à l’IS · ID 01SCI IS

The share of the property that is yours at the end of year 15, at its day-1 value: what the loan did not finance at the start, plus the loan repaid since.

← Calculation map
−+€124,000Value after works(day 1)€117,500Amount borrowed€6,500Day-1 equity€62,407Loan repaid sincethe purchaseYour equity, endof year 15€68,907
  • Yours
  • Owed to the bank

Year 15: value after works €124,000 − amount borrowed €117,500 = €6,500 of equity on day 1; + €62,407 of the loan repaid since = €68,907.

What this calculation leaves out

  • At the day-1 value: the rise in value since is a separate figure (the « Property value increase » tile), added on top in the net worth.
  • Not the same as « put in at the purchase »: the purchase fees and the money left on the rental account are spent or kept elsewhere, they are not a share of the property.

Each amount in the worked lines is rounded to the cent, so a line can differ by €0.01.