 Dans cet exemple et sur 20 ans, votre effort* d'épargne mensuel est de: 806 €
*(crédit - loyer - économie d'impôt)
| Prix d'acquisition |
250 000 € |
| Prix d'acquisition + frais |
267 351 € |
| Emprunt |
267 351 € |
| Apport |
0 |
| Taux de crédit |
5 % |
|
| Durée du crédit |
20 ans |
| Tranche marginale d'imposition |
30 % |
| Frais de gestion, charges, taxes |
15 % |
| Taux de revalorisation loyer |
1.20% |
|
FISCALITE |
Année |
Loyers bruts
|
Intérêts crédit + assurance |
Charges |
Impôt |
Revenu ou déficit |
Déficit déductible |
| n |
10,000 |
18,260 |
1,500 |
8,000 |
-9,760 |
-1,500 |
| n+1 |
10,120 |
13,900 |
1,518 |
8,000 |
-5,298 |
-1,518 |
| n+2 |
10,241 |
13,471 |
1,536 |
8,000 |
-4,766 |
-1,536 |
| n+3 |
10,364 |
13,019 |
1,555 |
8,000 |
-4,210 |
-1,555 |
| n+4 |
10,489 |
12,545 |
1,573 |
8,000 |
-3,629 |
-1,573 |
| n+5 |
10,615 |
12,046 |
1,592 |
8,000 |
-3,024 |
-1,592 |
| n+6 |
10,742 |
11,522 |
1,611 |
8,000 |
-2,391 |
-1,611 |
| n+7 |
10,871 |
10,970 |
1,631 |
8,000 |
-1,730 |
-1,631 |
| n+8 |
11,001 |
10,391 |
1,650 |
8,000 |
-1,040 |
-1,040 |
| n+9 |
11,133 |
9,782 |
1,670 |
8,000 |
-319 |
-319 |
| n+10 |
11,267 |
9,142 |
1,690 |
8,000 |
435 |
0 |
| n+11 |
11,402 |
8,469 |
1,710 |
8,000 |
1,223 |
0 |
| n+12 |
11,539 |
7,761 |
1,731 |
8,000 |
2,047 |
0 |
| n+13 |
11,677 |
7,018 |
1,752 |
8,000 |
2,908 |
0 |
| n+14 |
11,818 |
6,236 |
1,773 |
8,000 |
3,809 |
0 |
| n+15 |
11,959 |
5,414 |
1,794 |
8,000 |
4,751 |
0 |
| n+16 |
12,103 |
4,551 |
1,815 |
8,000 |
5,737 |
0 |
| n+17 |
12,248 |
3,643 |
1,837 |
8,000 |
6,768 |
0 |
| n+18 |
12,395 |
2,688 |
1,859 |
8,000 |
7,847 |
0 |
| n+19 |
12,544 |
1,685 |
1,882 |
8,000 |
8,977 |
0 |
TRESORERIE |
Année
|
Loyers nets de charge
|
Impact fiscal |
remboursements prêts
|
Trésorerie annuelle
|
| n |
8,500 |
|
-22,296 |
-13,796 |
| n+1 |
8,602 |
-8,000 |
-22,296 |
-5,694 |
| n+2 |
8,705 |
-8,000 |
-22,296 |
-5,590 |
| n+3 |
8,810 |
-8,000 |
-22,296 |
-5,486 |
| n+4 |
8,915 |
-8,000 |
-22,296 |
-5,380 |
| n+5 |
9,022 |
-8,000 |
-22,296 |
-5,273 |
| n+6 |
9,131 |
-8,000 |
-22,296 |
-5,165 |
| n+7 |
9,240 |
-8,000 |
-22,296 |
-5,055 |
| n+8 |
9,351 |
-8,000 |
-22,296 |
-4,945 |
| n+9 |
9,463 |
-8,000 |
-22,296 |
-4,832 |
| n+10 |
9,577 |
-96 |
-22,296 |
-12,623 |
| n+11 |
9,692 |
0 |
-22,296 |
-12,604 |
| n+12 |
9,808 |
0 |
-22,296 |
-12,488 |
| n+13 |
9,926 |
0 |
-22,296 |
-12,370 |
| n+14 |
10,045 |
0 |
-22,296 |
-12,251 |
| n+15 |
10,165 |
0 |
-22,296 |
-12,130 |
| n+16 |
10,287 |
1,872 |
-22,296 |
-13,880 |
| n+17 |
10,411 |
2,415 |
-22,296 |
-14,300 |
| n+18 |
10,536 |
2,849 |
-22,296 |
-14,609 |
| n+19 |
10,662 |
3,304 |
-22,296 |
-14,937 |
|
|
|
