Money back year — map — Furnished flat-share in Melun — LMNP · ID 02LMNP
Every year of the 25-year projection read as « if you sold that year »: the cash left in your pocket, against what you had put in by then. The money back year is the first year the first covers the second. The year picker does not change this map.
- What you put in
- Not recovered yet
- Recovered
- no payment after the purchase
By year 6 you had put in €60,233 (cash at purchase €60,233, no payment after the purchase). Selling in year 6 would leave you €60,899: €60,899 − €60,233 = €666.46 — the first year it is covered, so year 6 is your money back year. In year 5 you would have walked away with €48,332 against €60,233 put in: €11,900 short.
What this calculation leaves out
- Each year is read « if you sold that year »: the cash in your pocket is after the tax on the gain (plus-value), with the CSG still to come back, and your rental account is yours.
- The rent is not counted apart: what is left of it after the loan and the taxes is already in your rental account, so in what you walk away with.
- No discounting: a euro of year 20 counts like a euro today (the yearly return does take time into account).
Each amount in the worked lines is rounded to the cent, so a line can differ by €0.01.