Buy or rent: money put in and each side’s net worth — T3 in Dammarie-lès-Lys — main home · ID 06Main homeSame cash flows, each side’s own final amount

Where each number comes from

Each link opens the page that calculates that figure.

1. Your payments year by year and the cash in hand Cash at purchase, payments after the purchase, extra cash at the sale
   1. Cash at purchase Down payment + works + furniture (+ the shortfall you cover when the loan is not enough)
   2. Payments after the purchase Unspent down payment used first, then what you pay after the purchase
      1. Cash at purchase Down payment + works + furniture (+ the shortfall you cover when the loan is not enough)
      2. Money lost and principal repaid, year by year Yearly outflow = money lost + principal repaid
         1. Loan paid off (equity built) Equity from Loan
      3. Cash at the end if you sell Sale price − selling costs − loans still owed + unspent down payment
   3. Cash at the end if you sell Sale price − selling costs − loans still owed + unspent down payment
      1. What the sale leaves after the loan and fees Net Sale Proceeds Ledger
      2. Tax: none while you own it, none at the sale No rent → no income tax; gain exempt (CGI art. 150 U, II-1°)
      3. Payments after the purchase Unspent down payment used first, then what you pay after the purchase
2. Buy or rent: what each would have Buyer: cash if sold + investments; renter: savings
   1. Cash at the end if you sell Sale price − selling costs − loans still owed + unspent down payment
      1. What the sale leaves after the loan and fees Net Sale Proceeds Ledger
      2. Tax: none while you own it, none at the sale No rent → no income tax; gain exempt (CGI art. 150 U, II-1°)
      3. Payments after the purchase Unspent down payment used first, then what you pay after the purchase
   2. What each invests, year by year The same budget on both sides; the renter’s savings and the owner’s investments at the rate d
      1. Cash at purchase Down payment + works + furniture (+ the shortfall you cover when the loan is not enough)
      2. Payments after the purchase Unspent down payment used first, then what you pay after the purchase
         1. Cash at purchase Down payment + works + furniture (+ the shortfall you cover when the loan is not enough)
         2. Money lost and principal repaid, year by year Yearly outflow = money lost + principal repaid
            1. Loan paid off (equity built) Equity from Loan
         3. Cash at the end if you sell Sale price − selling costs − loans still owed + unspent down payment
      3. What you pay each month One year’s outflow ÷ 12, line by line
         1. Money lost and principal repaid, year by year Yearly outflow = money lost + principal repaid
            1. Loan paid off (equity built) Equity from Loan