Cash you end up with if you sell — T3 in Melun — réel foncier · ID 05Réel foncierRental account at the sale + cash from the sale after tax

Selling at the end of year 1, you end up with -€1,387 (€902 + -€2,289).

Where each number comes from

Each link opens the page that calculates that figure.

  1. Your rental account Opening + interest after the flat tax + cash flow after tax (+ payment after the purchase)
    1. Income tax, social contributions and cash flow after tax Taxable income × (your bracket + 17.2%), tax saved on other income, CSG tax back the next year
      1. Deductible charges and taxable income Réel foncier: gross rent − interest − other deductible charges − past deficits
        1. Rent collected the rent of the cash-flow page (charges included)
        2. Deficits carried forward Used against later rental profit, oldest first; lost after 10 years
          1. Déficit foncier Interest part / other part, up to €10,700 against your other income at your bracket, take-back if sold within 3 years
      2. Déficit foncier Interest part / other part, up to €10,700 against your other income at your bracket, take-back if sold within 3 years
        1. Deductible charges and taxable income Réel foncier: gross rent − interest − other deductible charges − past deficits
      3. Cash flow before tax (rent − costs − loan payments) Cash Flow
  2. Tax on the gain when you sell Plus-value des particuliers: the better of the flat or the actual purchase costs and works not deducted
    1. What the sale leaves after the loan and fees Net Sale Proceeds Ledger
    2. CSG tax back of the sale year earned in the sale year, paid the next year
      1. Deductible charges and taxable income Réel foncier: gross rent − interest − other deductible charges − past deficits
        1. Rent collected the rent of the cash-flow page (charges included)
        2. Deficits carried forward Used against later rental profit, oldest first; lost after 10 years
          1. Déficit foncier Interest part / other part, up to €10,700 against your other income at your bracket, take-back if sold within 3 years
      2. Déficit foncier Interest part / other part, up to €10,700 against your other income at your bracket, take-back if sold within 3 years
        1. Deductible charges and taxable income Réel foncier: gross rent − interest − other deductible charges − past deficits
      3. Cash flow before tax (rent − costs − loan payments) Cash Flow
    3. Tax saving taken back a sale within 3 years of a deficit set against your other income
Part 1. Sale at the end of year 1
  • Your rental account at the sale€902
  • +Cash from the sale, after tax(-€2,289)
  • =Cash you end up with, year 1(-€1,387)
  • Cash you end up with, year 1(-€1,387)
  • −Total cash put in, years 0–1€33,400
  • =Net gain, year 1(-€34,787)
Part 2. Every year
YearYour rental account at the saleCash from the sale, after taxCash you end up withTotal cash put inNet gain if you sell
1€902-€2,289-€1,387€33,400-€34,787
2€0€3,640€3,640€34,690-€31,050
3€0€9,734€9,734€36,801-€27,067
4€0€19,206€19,206€38,812-€19,606
5€0€25,642€25,642€40,721-€15,079
6€0€32,290€32,290€43,264-€10,974
7€0€39,129€39,129€46,534-€7,406
8€0€46,127€46,127€49,793-€3,666
9€0€53,324€53,324€53,075€249
10€0€60,724€60,724€56,381€4,343
11€0€68,335€68,335€59,714€8,621
12€0€76,163€76,163€63,076€13,088
13€0€84,216€84,216€66,469€17,747
14€0€92,500€92,500€69,896€22,603
15€0€101,022€101,022€73,360€27,663
16€0€109,792€109,792€76,862€32,930
17€0€118,816€118,816€80,406€38,409
18€0€128,103€128,103€83,995€44,107
19€0€137,661€137,661€87,631€50,029
20€0€147,499€147,499€91,318€56,180
21€0€157,495€157,495€95,059€62,436
22€0€167,691€167,691€98,857€68,835
23€0€178,259€178,259€102,716€75,544
24€0€189,203€189,203€106,638€82,565
25€0€200,536€200,536€110,629€89,907