What the property is worth to you — T3 in Melun — réel foncier · ID 05Réel foncierEquity + value increase + rental account, before and after tax

Year 1: the property is worth €10,812 to you before tax, €11,714 after income tax & social.

Where each number comes from

Each link opens the page that calculates that figure.

  1. Loan paid off (equity built) Equity from Loan
  2. Property value increase Appreciation
  3. 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
Part 1. Before any tax, year 1
  • Equity you own (day-1 equity + loan paid off)€9,162
  • +Value increase€1,650
  • +Your rental account, before tax€0
  • =Worth to you before tax€10,812
Part 2. After income tax & social, year 1
  • Equity you own (day-1 equity + loan paid off)€9,162
  • +Value increase€1,650
  • +Your rental account, after tax€902
  • =Worth to you after income tax & social€11,714
Part 3. Every year
YearEquity you own (day-1 equity + loan paid off)Value increaseYour rental account, before taxWorth to you before taxYour rental account, after taxWorth to you after income tax & social
1€9,162€1,650€0€10,812€902€11,714
2€13,465€3,317€0€16,782€0€16,782
3€17,915€5,000€0€22,914€0€22,914
4€22,516€6,700€0€29,215€0€29,215
5€27,273€8,417€0€35,690€0€35,690
6€32,193€10,151€0€42,344€0€42,344
7€37,280€11,902€0€49,182€0€49,182
8€42,539€13,671€0€56,211€0€56,211
9€47,978€15,458€0€63,436€0€63,436
10€53,602€17,263€0€70,865€0€70,865
11€59,417€19,085€0€78,502€0€78,502
12€65,430€20,926€0€86,356€0€86,356
13€71,648€22,785€0€94,433€0€94,433
14€78,077€24,663€0€102,740€0€102,740
15€84,724€26,560€0€111,284€0€111,284
16€91,598€28,475€0€120,074€0€120,074
17€98,706€30,410€0€129,116€0€129,116
18€106,056€32,364€0€138,420€0€138,420
19€113,655€34,338€0€147,993€0€147,993
20€121,513€36,331€0€157,844€0€157,844
21€129,639€38,345€0€167,983€0€167,983
22€138,040€40,378€11€178,430€0€178,418
23€146,728€42,432€148€189,308€0€189,160
24€155,711€44,506€416€200,634€0€200,217
25€165,000€46,601€820€212,421€0€211,601