What each invests, year by year — T3 in Dammarie-lès-Lys — main home · ID 06Main homeThe same budget on both sides; the renter’s savings and the owner’s investments at the rate d

Paid by the buyer = what the buyer pays from income that year. Freed loan payments = the loan payments (loan, loan insurance, aid loans) no longer made, compared with the highest yearly amount already paid: 0 while everything runs, then the part that stops (an aid loan ending before the main loan, a partial last year, the loan repaid).

d = 4.00% a year, already after tax: what your money earns elsewhere (the rate you choose; by default, a diversified investment at 4% a year net of tax). The budget always covers the rent: the renter’s savings never go below zero.

d = 4.00% a year, already after tax, the same rate as the renter’s. The owner invests what is left of the budget: the loan payments no longer made, or the gap when the rent and insurance are above what the owner pays. These investments count in the owner’s net worth on this page.