Example 05 · Unfurnished T3 · MelunRéel foncier
T3 in Melun — réel foncier · ID 05
A 62 m² unfurnished T3 (location nue) in Melun, bought for €152,000 with €24,000 of works and a 25-year loan, let for €950 a month including charges, held directly under the réel foncier (taxed on the rent minus the real costs): a déficit foncier the year of the works, income tax, social contributions and capital gain at the sale, over 20 years. Under micro-foncier it returns less. An invented example.
An invented example with plausible figures — it is not a real purchase. Here is the summary of the report the simulator produces for this property.
ROI report — T3 in Melun — réel foncier · ID 05
T3 in Melun — réel foncier · ID 05Réel foncier
If you sell in year 20 · réel foncier: income tax, social contributions and tax on the gain included
- Cash at purchase€33,400
- Payments after the purchase€57,918
- Cash flow / year−€1,468(years 1–5)−€3,373(years 6–20)
- Total cash put in€91,318
- Tax paid during ownership€31,634
- Tax paid at sale€0
- Cash in hand at the end if you sell in year 20 (account + sale), after all taxes€147,499
- Net gain€56,180
- Return per year (MWRR, after all taxes)3.69%/yr
- Money back yearYear 9
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The results are estimates, not tax or financial advice.
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