Example 06 · T3 to live in · Dammarie-lès-LysMain home
T3 in Dammarie-lès-Lys — main home · ID 06
A 64 m² T3 in Dammarie-lès-Lys, near Melun, bought for €178,000 with €6,000 of works and a 25-year loan, to live in (résidence principale, your main home): no rent, no income tax, the capital gain exempt at the sale. The net worth built year after year, the cash in hand at the sale in year 20, and the buy-or-rent race. An invented example.
An invented example with plausible figures — it is not a real purchase. Here is the summary of the report the simulator produces for this property.
Simplified assumptions: you live in the flat, so no rent is counted — neither received nor saved (the rent you no longer pay is not income in this calculation). The capital gain is exempt only if the flat is still your main home (résidence principale) on the day of the sale (CGI art. 150 U, II-1°). The part of the down payment not spent on the purchase earns nothing. The details are in the detailed report.
ROI report — T3 in Dammarie-lès-Lys — main home · ID 06
T3 in Dammarie-lès-Lys — main home · ID 06Main home
Sold at the end of year 20, gain exempt
- Cash at purchase€27,500
- Total monthly payment€1,262/month
- Payments after the purchase€302,788
- Total cash put in€330,288
- Cash in hand at the end if you sell in year 20 (account + sale), after all taxes€159,861
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The results are estimates, not tax or financial advice.
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