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

The loan is repaid month by month, like a bank schedule: Monthly Payment = Loan Amount × (Interest rate ÷ 12) ÷ (1 − (1 + Interest rate ÷ 12)^−(Loan Term × 12)), the standard bank formula; each month's interest is on the balance still owed that month, the rest of the payment repays principal; the loan's last month (Loan Term × 12) repays whatever is left, so nothing is owed after it. A year's Interest / Principal = the sum of its 12 months. A running total of loan principal paid down — no Day-1 down payment or value-uplift baked in (that broader quantity lives on the net worth page instead).