 Dans cet exemple et sur 20 ans, votre effort* d'épargne mensuel est de: 350 €
*(crédit - loyer - économie d'impôt)
| Prix d'acquisition |
120 576 € |
| Prix d'acquisition + frais |
130 731 € |
| Emprunt |
130 731 € |
| 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 |
4,823 |
8,806 |
723 |
8,000 |
-4,706 |
-723 |
| n+1 |
4,881 |
6,797 |
732 |
8,000 |
-2,648 |
-732 |
| n+2 |
4,939 |
6,587 |
741 |
8,000 |
-2,389 |
-741 |
| n+3 |
4,999 |
6,366 |
750 |
8,000 |
-2,117 |
-750 |
| n+4 |
5,059 |
6,134 |
759 |
8,000 |
-1,834 |
-759 |
| n+5 |
5,119 |
5,890 |
768 |
8,000 |
-1,539 |
-768 |
| n+6 |
5,181 |
5,634 |
777 |
8,000 |
-1,230 |
-777 |
| n+7 |
5,243 |
5,364 |
786 |
8,000 |
-908 |
-786 |
| n+8 |
5,306 |
5,081 |
796 |
8,000 |
-571 |
-571 |
| n+9 |
5,370 |
4,783 |
805 |
8,000 |
-219 |
-219 |
| n+10 |
5,434 |
4,470 |
815 |
8,000 |
149 |
0 |
| n+11 |
5,499 |
4,141 |
825 |
8,000 |
533 |
0 |
| n+12 |
5,565 |
3,795 |
835 |
8,000 |
935 |
0 |
| n+13 |
5,632 |
3,432 |
845 |
8,000 |
1,356 |
0 |
| n+14 |
5,700 |
3,049 |
855 |
8,000 |
1,795 |
0 |
| n+15 |
5,768 |
2,648 |
865 |
8,000 |
2,255 |
0 |
| n+16 |
5,837 |
2,225 |
876 |
8,000 |
2,736 |
0 |
| n+17 |
5,907 |
1,781 |
886 |
8,000 |
3,240 |
0 |
| n+18 |
5,978 |
1,315 |
897 |
8,000 |
3,767 |
0 |
| n+19 |
6,050 |
824 |
907 |
8,000 |
4,318 |
0 |
TRESORERIE |
Année
|
Loyers nets de charge
|
Impact fiscal |
remboursements prêts
|
Trésorerie annuelle
|
| n |
4,100 |
|
-10,902 |
-6,803 |
| n+1 |
4,149 |
-3,566 |
-10,902 |
-3,187 |
| n+2 |
4,199 |
-3,569 |
-10,902 |
-3,135 |
| n+3 |
4,249 |
-3,572 |
-10,902 |
-3,082 |
| n+4 |
4,300 |
-3,574 |
-10,902 |
-3,028 |
| n+5 |
4,352 |
-3,577 |
-10,902 |
-2,974 |
| n+6 |
4,404 |
-3,580 |
-10,902 |
-2,919 |
| n+7 |
4,457 |
-3,582 |
-10,902 |
-2,863 |
| n+8 |
4,510 |
-3,585 |
-10,902 |
-2,807 |
| n+9 |
4,564 |
-3,521 |
-10,902 |
-2,817 |
| n+10 |
4,619 |
-2,477 |
-10,902 |
-3,806 |
| n+11 |
4,674 |
-2,412 |
-10,902 |
-3,816 |
| n+12 |
4,730 |
-2,412 |
-10,902 |
-3,760 |
| n+13 |
4,787 |
-2,412 |
-10,902 |
-3,703 |
| n+14 |
4,845 |
-2,412 |
-10,902 |
-3,646 |
| n+15 |
4,903 |
-2,412 |
-10,902 |
-3,588 |
| n+16 |
4,962 |
668 |
-10,902 |
-6,609 |
| n+17 |
5,021 |
1,122 |
-10,902 |
-7,003 |
| n+18 |
5,081 |
1,328 |
-10,902 |
-7,149 |
| n+19 |
5,142 |
1,544 |
-10,902 |
-7,304 |
|
TRESORERIE
|
Année |
Loyers net de charges |
Impact fiscal |
Remboursement prêt |
Trésorerie mensuelle |
| n |
7 480 |
|
-19 655 |
-12 175 |
| n+1 |
7 570 |
-6 507 |
-19 655 |
-5 578 |
| n+2 |
7 661 |
-6 512 |
-19 655 |
-5 482 |
| n+3 |
7 753 |
-6 517 |
-19 655 |
-5 386 |
| n+4 |
7 846 |
-6 522 |
-19 655 |
-5 288 |
| n+5 |
7 940 |
-6 526 |
-19 655 |
-5 189 |
| n+6 |
8 035 |
-6 531 |
-19 655 |
-5 088 |
| n+7 |
8 131 |
-6 536 |
-19 655 |
-4 987 |
| n+8 |
8 229 |
-6 542 |
-19 655 |
-4 884 |
| n+9 |
8 328 |
-6 390 |
-19 655 |
-4 937 |
| n+10 |
8 428 |
-89 |
-19 655 |
-11 138 |
| n+11 |
8 529 |
0 |
-19 655 |
-11 126 |
| n+12 |
8 631 |
0 |
-19 655 |
-11 024 |
| n+13 |
8 735 |
0 |
-19 655 |
-10 920 |
| n+14 |
8 840 |
0 |
-19 655 |
-10 815 |
| n+15 |
8 946 |
0 |
-19 655 |
-10 709 |
| n+16 |
9 053 |
1 554 |
-19 655 |
-12 156 |
| n+17 |
9 162 |
2 067 |
-19 655 |
-12 560 |
| n+18 |
9 272 |
2 440 |
-19 655 |
-12 823 |
| n+19 |
9 383 |
2 830 |
-19 655 |
-13 102 |
 |
|
