Loan paid off (equity built) — T3 in Melun — réel foncier · ID 05Réel foncierEquity from Loan

By the end of year 20 you have paid off €116,513 of the loan; with the day-1 equity you own €121,513.

Where each number comes from

This figure is calculated from the inputs only.

Σ Loan paid off, year 20€116,513
YearLoan at the start of the year1InterestPrincipalCumulative loan paid off (equity built)2Cumulative Loan paid off
1€160,000€5,296€4,162€4,162
2€155,838€5,155€4,303€8,465
3€151,535€5,009€4,450€12,915
4€147,085€4,857€4,601€17,516
5€142,484€4,701€4,758€22,273
6€137,727€4,539€4,919€27,193
7€132,807€4,371€5,087€32,280
8€127,720€4,198€5,260€37,539
9€122,461€4,019€5,439€42,978
10€117,022€3,834€5,624€48,602
11€111,398€3,643€5,815€54,417
12€105,583€3,445€6,013€60,430
13€99,570€3,241€6,218€66,648
14€93,352€3,029€6,429€73,077
15€86,923€2,810€6,648€79,724
16€80,276€2,584€6,874€86,598
17€73,402€2,350€7,108€93,706
18€66,294€2,109€7,350€101,056
19€58,944€1,859€7,600€108,655
20€51,345€1,600€7,858€116,513
21€43,487€1,333€8,125€124,639
22€35,361€1,056€8,402€133,040
23€26,960€771€8,688€141,728
24€18,272€475€8,983€150,711
25€9,289€169€9,289€160,000

The equity you own is the day-1 equity plus the loan paid off:

  • Day-1 equity (value after works − loan)€5,000
  • +Loan paid off, years 1–20€116,513
  • =Equity you own, year 20€121,513