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.
Detailed report — T3 in Dammarie-lès-Lys — main home · ID 06
Tax regime:Main home
Your main home is not an investment: this report says what you put in, what becomes net worth, and what you get back if you sell. No rent, no income tax, the gain is exempt.
1. Your deal at a glanceSummary
2. Where your money goes, year after yearWhat you pay in the year = money lost + principal repaid
3. Your net worth built, and the saleNet worth = home value − loan still owed (+ unspent down payment); at the sale: − selling costs = cash back
4. Your inputsInputs entered (rent, vacancy, accountant and utilities do not apply)
Create a free account to save your property and come back to its report.
The results are estimates, not tax or financial advice.