Money back year — map — T3 in Melun — réel foncier · ID 05Réel foncier
Every year of the 25-year projection read as « if you sold that year »: what you would walk away with, against what you had put in by then. The money back year is the first year the first covers the second. The year picker does not change this map.
- What you put in
- Not recovered yet
- Recovered
By year 9 you had put in €53,075 (cash at purchase €33,400 + payments after the purchase €19,675). Selling in year 9 would leave you €53,324: €249.14 more than you put in — the first year it is covered, so year 9 is your money back year. In year 8 you would have walked away with €46,127: €3,666 short.
What this calculation leaves out
- Each year is read « if you sold that year »: the cash you walk away with is after the selling costs, the loan repaid and every tax (income tax and social contributions on the rent, the tax on the capital gain).
- What you put in grows with the payments after the purchase: each year is compared with its own payments so far (the « Put in by year » of each circle’s panel).
- The rent is not counted apart: the rent left after tax is on your rental account, already in what you walk away with at the sale.
- No discounting: a euro of year 20 counts like a euro today (the yearly return does take time into account).
Each amount in the worked lines is rounded to the cent, so a line can differ by €0.01.