|
|
|
Dans cet exemple et sur 20 ans,
votre effort* d'épargne mensuel est de: 442 €
*(crédit
- loyer - économie d'impôt)
|
| Prix d'acquisition TTC |
150 000 € |
| Economie de TVA |
29 400 € |
| Prix d'acquisition HT + frais |
162 985 € |
| Emprunt |
162 985 € |
| Apport |
0 |
| Taux du crédit |
5 % |
|
| Durée du crédit |
20 ans |
| Tranche marginale d'imposition |
0 |
| Loyer net de charge garanti |
4.50% |
| Taux de revalorisation loyer |
1.20% |
|
FISCALITE |
Année |
Loyers garantis |
Intérêts crédit + assurance |
Charges |
Amort. |
Amort.
retenu |
Amort.
différés |
Amort.
différés repris |
| n |
6,750 |
11,114 |
608 |
591 |
0 |
591 |
0 |
| n+1 |
6,831 |
8,474 |
615 |
591 |
0 |
591 |
0 |
| n+2 |
6,913 |
8,212 |
622 |
591 |
0 |
591 |
0 |
| n+3 |
6,996 |
7,937 |
630 |
591 |
0 |
591 |
0 |
| n+4 |
7,080 |
7,648 |
637 |
591 |
0 |
591 |
0 |
| n+5 |
7,165 |
7,344 |
645 |
591 |
0 |
591 |
0 |
| n+6 |
7,251 |
7,024 |
653 |
591 |
0 |
591 |
0 |
| n+7 |
7,338 |
6,688 |
660 |
591 |
0 |
591 |
0 |
| n+8 |
7,426 |
6,335 |
668 |
591 |
423 |
168 |
0 |
| n+9 |
7,515 |
5,963 |
676 |
591 |
591 |
0 |
284 |
| n+10 |
7,605 |
5,573 |
684 |
96 |
96 |
0 |
1,251 |
| n+11 |
7,696 |
5,163 |
693 |
96 |
96 |
0 |
1,745 |
| n+12 |
7,789 |
4,731 |
701 |
96 |
96 |
0 |
1,619 |
| n+13 |
7,882 |
4,278 |
709 |
96 |
96 |
0 |
0 |
| n+14 |
7,977 |
3,802 |
718 |
96 |
96 |
0 |
0 |
| n+15 |
8,073 |
3,301 |
727 |
96 |
96 |
0 |
0 |
| n+16 |
8,169 |
2,774 |
735 |
96 |
96 |
0 |
0 |
| n+17 |
8,267 |
2,221 |
744 |
96 |
96 |
0 |
0 |
| n+18 |
8,367 |
1,639 |
753 |
96 |
96 |
0 |
0 |
| n+19 |
8,467 |
1,027 |
762 |
96 |
96 |
0 |
0 |
TRESORERIE
|
Année |
Loyers net de charges |
Impact fiscal |
Remboursement prêt |
Trésorerie mensuelle |
| n |
6,143 |
|
-13,592 |
-621 |
| n+1 |
6,216 |
-4,323 |
-13,592 |
-254 |
| n+2 |
6,291 |
-4,323 |
-13,592 |
-248 |
| n+3 |
6,366 |
-4,323 |
-13,592 |
-242 |
| n+4 |
6,443 |
-4,323 |
-13,592 |
-236 |
| n+5 |
6,520 |
-4,323 |
-13,592 |
-229 |
| n+6 |
6,598 |
-4,323 |
-13,592 |
-223 |
| n+7 |
6,677 |
-4,323 |
-13,592 |
-216 |
| n+8 |
6,758 |
-4,323 |
-13,592 |
-209 |
| n+9 |
6,839 |
-4,323 |
-13,592 |
-203 |
| n+10 |
6,921 |
0 |
-13,592 |
-556 |
| n+11 |
7,004 |
0 |
-13,592 |
-549 |
| n+12 |
7,088 |
0 |
-13,592 |
-542 |
| n+13 |
7,173 |
270 |
-13,592 |
-557 |
| n+14 |
7,259 |
1,178 |
-13,592 |
-626 |
| n+15 |
7,346 |
1,415 |
-13,592 |
-638 |
| n+16 |
7,434 |
1,663 |
-13,592 |
-652 |
| n+17 |
7,523 |
1,921 |
-13,592 |
-666 |
| n+18 |
7,614 |
2,192 |
-13,592 |
-681 |
| n+19 |
7,705 |
2,475 |
-13,592 |
-697 |
|
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Les en Loi LMNP? |
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