What you pay each year — map — T3 in Dammarie-lès-Lys — main home · ID 06Main home
Everything your home costs you in year 20, split into money gone for good and principal repaid (net worth you keep), with your numbers.
- Money lost (gone for good)
- Net worth built (stays yours)
- What you pay
Year 20: money lost €7,727 + net worth built €8,327 = €16,054 paid (€1,338 a month). All of it from your income: payments after the purchase €16,054.
What this calculation leaves out
- No tax here: a main home earns no rent, so there is no income tax while you own it.
- The principal repaid is not lost: it lowers what you owe, so it comes back as net worth (and as cash at a sale).
- The cash left after the purchase earns nothing (0 %): it pays the home’s costs first; only then do you pay from your income.
Each amount in the worked lines is rounded to the cent, so a line can differ by €0.01.