Cash flow of year 20 — map — T3 in Melun — réel foncier · ID 05Réel foncier
What is left of year 20's rent once every cost, the loan payments and the year's income tax and social contributions are paid, with your numbers.
- Rent (your money)
- Costs
- Loan (the bank)
- Tax (the State)
- the result
Year 20: rent €13,867 − costs €4,643 − loan payments €9,458 = €234.60 short before tax; − net tax €3,452 = €3,687 short after tax. End of year 20: −€3,687 (year 20) + (−€54,250) (total to the end of year 19) = −€57,937.
What this calculation leaves out
- The year’s tax is the réel foncier tax (rental income after the deductible charges, the déficit foncier, the carried-forward deficits): each tax circle opens the tax map.
- The loan interest is a deductible charge for the tax; the capital repaid is not — it builds your share of the property (the loan map).
- The interest of your rental account (and its flat tax) is not here: it is on the rental account page. This figure is the rent only.
- Works are paid at the purchase, not out of the rent. Only declared (invoiced) works enter the tax; works without invoices are money spent, never in any tax.
Each amount in the worked lines is rounded to the cent, so a line can differ by €0.01.