Cash at the end if you sell — T3 in Dammarie-lès-Lys — main home · ID 06Main homeSale price − selling costs − loans still owed + unspent down payment
If you sell at the end of year 20, you get €159,861 back, with no tax.
Where each number comes from
Each link opens the page that calculates that figure.
- 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 the sale leaves, year 20
- Sale price€217,194
- −Agency fee€10,860
- −Loan payoff costs€460
- −Loan still owed€46,013
- =Net sale proceeds (year 20)€159,861
- Net sale proceeds (year 20)€159,861
- +Unspent down payment€0
- +Extra cash to clear the loans€0
- =Cash at the end (year 20)€159,861
Part 2. What you get back, year by year
| Year | Sale price | Agency fee | Loan payoff costs | Loan still owed | Unspent down payment | Extra cash to clear the loans | Cash at the end |
|---|---|---|---|---|---|---|---|
| 1 | €179,780 | -€8,989 | -€1,655 | -€165,548 | €0 | €0 | €3,588 |
| 2 | €181,578 | -€9,079 | -€1,609 | -€160,947 | €0 | €0 | €9,943 |
| 3 | €183,394 | -€9,170 | -€1,562 | -€156,191 | €0 | €0 | €16,471 |
| 4 | €185,228 | -€9,261 | -€1,513 | -€151,276 | €0 | €0 | €23,177 |
| 5 | €187,080 | -€9,354 | -€1,462 | -€146,197 | €0 | €0 | €30,067 |
| 6 | €188,951 | -€9,448 | -€1,409 | -€140,947 | €0 | €0 | €37,146 |
| 7 | €190,840 | -€9,542 | -€1,355 | -€135,522 | €0 | €0 | €44,421 |
| 8 | €192,748 | -€9,637 | -€1,299 | -€129,914 | €0 | €0 | €51,898 |
| 9 | €194,676 | -€9,734 | -€1,241 | -€124,119 | €0 | €0 | €59,582 |
| 10 | €196,623 | -€9,831 | -€1,181 | -€118,130 | €0 | €0 | €67,481 |
| 11 | €198,589 | -€9,929 | -€1,119 | -€111,940 | €0 | €0 | €75,600 |
| 12 | €200,575 | -€10,029 | -€1,055 | -€105,542 | €0 | €0 | €83,948 |
| 13 | €202,581 | -€10,129 | -€989 | -€98,931 | €0 | €0 | €92,532 |
| 14 | €204,606 | -€10,230 | -€921 | -€92,097 | €0 | €0 | €101,358 |
| 15 | €206,652 | -€10,333 | -€850 | -€85,035 | €0 | €0 | €110,434 |
| 16 | €208,719 | -€10,436 | -€777 | -€77,736 | €0 | €0 | €119,769 |
| 17 | €210,806 | -€10,540 | -€702 | -€70,193 | €0 | €0 | €129,371 |
| 18 | €212,914 | -€10,646 | -€624 | -€62,397 | €0 | €0 | €139,248 |
| 19 | €215,043 | -€10,752 | -€543 | -€54,340 | €0 | €0 | €149,408 |
| 20 | €217,194 | -€10,860 | -€460 | -€46,013 | €0 | €0 | €159,861 |
| 21 | €219,366 | -€10,968 | -€374 | -€37,406 | €0 | €0 | €170,617 |
| 22 | €221,559 | -€11,078 | -€285 | -€28,512 | €0 | €0 | €181,684 |
| 23 | €223,775 | -€11,189 | -€193 | -€19,319 | €0 | €0 | €193,074 |
| 24 | €226,013 | -€11,301 | -€98 | -€9,819 | €0 | €0 | €204,795 |
| 25 | €228,273 | -€11,414 | €0 | €0 | €0 | €0 | €216,859 |