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Your equity — map — T3 in Melun — réel foncier · ID 05Réel foncier

The share of the property that is yours at the end of year 20, at its day-1 value: what the loan did not finance at the start, plus the loan repaid since.

← Calculation map
−+€165,000Value after works(day 1)€160,000Amount borrowed€5,000Day-1 equity€116,513Loan repaid sincethe purchaseYour equity, endof year 20€121,513
  • Yours
  • Owed to the bank

Year 20: value after works €165,000 − amount borrowed €160,000 = €5,000 of equity on day 1; + €116,513 of the loan repaid since = €121,513.

What this calculation leaves out

  • At the day-1 value: the rise in value since is a separate figure (the « Property value increase » tile), added on top in the net worth.
  • Not the same as « put in at the purchase »: the purchase fees and the money left on the rental account are spent or kept elsewhere, they are not a share of the property.

Each amount in the worked lines is rounded to the cent, so a line can differ by €0.01.