Sale proceeds — map — T2 in Le Mée-sur-Seine — micro-foncier · ID 03Micro-foncier
A sale at the end of year 20: the price, minus the selling costs (the agency fee and the bank’s fee to release the loan early) and the loan still owed — what the sale leaves you; then the tax on the capital gain.
- The property, the loan and your money
- Selling costs (to the agency and the bank)
- Taxes (the State)
- nothing this time
Sale at the end of year 20: agency fee €7,199 + loan payoff costs €326.15 = selling costs €7,525; price €143,982 − selling costs €7,525 − loan left €32,615 = net sale proceeds €103,842; − tax on the gain €0 (no gain) + CSG given back €128.19 = €103,970 after tax.
What this calculation leaves out
- A sale at the END of the year: the year’s loan payments are made, the price is the value at the end of the year.
- The two rates are your inputs, the same every year: the agency fee is a share of the price, the loan payoff costs a share of the loan still owed (0 € once the loan is repaid).
- The loan payoff costs lower the cash, not the taxable gain: only the agency fee comes off the price for the tax.
- Your rental account and the tax already paid on the rent are not in this map: the main map adds them to give the cash you walk away with.
Each amount in the worked lines is rounded to the cent, so a line can differ by €0.01.