Sale proceeds — map — T3 in Melun — réel foncier · ID 05Réel foncier
A sale at the end of year 20, with your numbers: the sale price, minus the agency fee, the loan still owed (repaid to the bank out of the price) and the bank’s fee for repaying it early — what the sale leaves before tax; then the tax on the gain.
- The property, the loan and your money
- Selling fees (to the agent and the bank)
- Taxes (the State)
- nothing this year, or lost
Sale at the end of year 20: selling costs = agency fee €10,067 + loan payoff costs €434.87 = €10,501; sale price €201,331 − selling costs €10,501 − loan left €43,487 = net sale proceeds €147,343. Then €147,343 − tax on the gain €0 + CSG saving next year €155.60 = €147,499 from the sale after tax.
What this calculation leaves out
- A sale at the END of the year: the year’s loan payments are made, the price is the property value at the end of the year.
- Both fees are the rates you entered on the property sheet. A 0 % rate, or a loan already repaid, gives a greyed 0 € circle.
- The agency fee lowers the taxable gain; the loan payoff costs lower the cash only, not the gain.
- Nothing else is taken here: the deficits still unused at the sale are lost (plus-value map), and your rental account is added on the main map.
Each amount in the worked lines is rounded to the cent, so a line can differ by €0.01.