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Your equity — map — Furnished flat-share in Melun — SCI à l’IS · ID 04SCI IS

The share of the property that is yours at the end of year 25, at its day-1 value: what the loan did not finance at the start, plus the loan repaid since.

← Calculation map
−+€125,000Value after works(day 1)€110,000Amount borrowed€15,000Day-1 equity€110,000Loan repaid sincethe purchaseYour equity, endof year 25€125,000
  • Yours
  • Owed to the bank

Year 25: value after works €125,000 − amount borrowed €110,000 = €15,000 of equity on day 1; + €110,000 of the loan repaid since = €125,000.

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.