Your payments year by year and the cash in hand — T3 in Dammarie-lès-Lys — main home · ID 06Main homeCash at purchase, payments after the purchase, extra cash at the sale
If you sell in year 20: €330,288 put in in total, €159,861 cash in hand after all taxes.
Where each number comes from
Each link opens the page that calculates that figure.
- Cash at purchase Down payment + works + furniture (+ the shortfall you cover when the loan is not enough)
- Payments after the purchase Unspent down payment used first, then what you pay after the purchase
- Cash at purchase Down payment + works + furniture (+ the shortfall you cover when the loan is not enough)
- Money lost and principal repaid, year by year Yearly outflow = money lost + principal repaid
- Loan paid off (equity built) Equity from Loan
- Cash at the end if you sell Sale price − selling costs − loans still owed + unspent down payment
- Cash at the end if you sell Sale price − selling costs − loans still owed + unspent down payment
- What the sale leaves after the loan and fees Net Sale Proceeds Ledger
- Tax: none while you own it, none at the sale No rent → no income tax; gain exempt (CGI art. 150 U, II-1°)
- Payments after the purchase Unspent down payment used first, then what you pay after the purchase
Part 1. What you paid in, and when
The cash at purchase in year 0, then each payment after the purchase in the year you make it (and, when the sale does not clear the loans, the extra cash in the year of the sale).
| Year | Payment |
|---|---|
| 0 | €27,500 |
| 1 | €14,327 |
| 2 | €14,403 |
| 3 | €14,480 |
| 4 | €14,559 |
| 5 | €14,639 |
| 6 | €14,721 |
| 7 | €14,804 |
| 8 | €14,889 |
| 9 | €14,976 |
| 10 | €15,065 |
| 11 | €15,155 |
| 12 | €15,247 |
| 13 | €15,341 |
| 14 | €15,437 |
| 15 | €15,535 |
| 16 | €15,635 |
| 17 | €15,736 |
| 18 | €15,840 |
| 19 | €15,946 |
| 20 | €16,054 |
Part 2. What you get back if you sell in year 20
Total cash put in€330,288
Cash in hand (sale in year 20)€159,861