|
|
|
Dans cet exemple et sur 20 ans,
votre effort* d'épargne mensuel est de: 561 €
*(crédit
- loyer - économie d'impôt)
|
| Prix d'acquisition TTC |
150 000 € |
| Economie de TVA |
29 400 € |
| Prix d'acquisition HT + frais |
163 426 € |
| Emprunt |
163 426€ |
| 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 |
8,747 |
608 |
5,226 |
0 |
5,226 |
0 |
| n+1 |
6,831 |
8,497 |
615 |
|
0 |
5,226 |
0 |
| n+2 |
6,913 |
8,234 |
622 |
|
0 |
5,226 |
0 |
| n+3 |
6,996 |
7,958 |
630 |
|
0 |
5,226 |
0 |
| n+4 |
7,080 |
7,668 |
637 |
|
0 |
5,226 |
0 |
| n+5 |
7,165 |
7,363 |
645 |
|
0 |
5,226 |
0 |
| n+6 |
7,251 |
7,043 |
653 |
|
0 |
5,226 |
0 |
| n+7 |
7,338 |
6,706 |
660 |
|
0 |
5,226 |
0 |
| n+8 |
7,426 |
6,352 |
668 |
|
406 |
4,821 |
0 |
| n+9 |
7,515 |
5,979 |
676 |
|
859 |
4,367 |
0 |
| n+10 |
7,605 |
5,588 |
684 |
4,687 |
1,333 |
3,354 |
0 |
| n+11 |
7,696 |
5,177 |
693 |
4,687 |
1,827 |
2,860 |
0 |
| n+12 |
7,789 |
4,744 |
701 |
4,687 |
2,344 |
2,344 |
0 |
| n+13 |
7,882 |
4,290 |
709 |
4,687 |
2,883 |
1,804 |
0 |
| n+14 |
7,977 |
3,812 |
718 |
4,687 |
3,447 |
1,240 |
0 |
| n+15 |
8,073 |
3,310 |
727 |
4,687 |
4,036 |
651 |
0 |
| n+16 |
8,169 |
2,782 |
735 |
4,687 |
4,652 |
35 |
0 |
| n+17 |
8,267 |
2,227 |
744 |
4,687 |
5,297 |
0 |
610 |
| n+18 |
8,367 |
1,643 |
753 |
4,687 |
5,970 |
0 |
1,283 |
| n+19 |
8,467 |
1,030 |
762 |
4,687 |
6,675 |
0 |
1,988 |
| n+20 |
8,569 |
0 |
771 |
4,687 |
7,798 |
0 |
3,110 |
| n+21 |
8,672 |
0 |
780 |
4,687 |
7,891 |
0 |
3,204 |
| n+22 |
8,776 |
0 |
790 |
4,687 |
7,986 |
0 |
3,299 |
TRESORERIE
|
Année |
Loyers net de charges |
Impact fiscal |
Remboursement prêt |
Trésorerie mensuelle |
| n |
6,143 |
|
-13,629 |
-624 |
| n+1 |
6,216 |
0 |
-13,629 |
-618 |
| n+2 |
6,291 |
0 |
-13,629 |
-612 |
| n+3 |
6,366 |
0 |
-13,629 |
-605 |
| n+4 |
6,443 |
0 |
-13,629 |
-599 |
| n+5 |
6,520 |
0 |
-13,629 |
-592 |
| n+6 |
6,598 |
0 |
-13,629 |
-586 |
| n+7 |
6,677 |
0 |
-13,629 |
-579 |
| n+8 |
6,758 |
0 |
-13,629 |
-573 |
| n+9 |
6,839 |
0 |
-13,629 |
-566 |
| n+10 |
6,921 |
0 |
-13,629 |
-559 |
| n+11 |
7,004 |
0 |
-13,629 |
-552 |
| n+12 |
7,088 |
0 |
-13,629 |
-545 |
| n+13 |
7,173 |
0 |
-13,629 |
-538 |
| n+14 |
7,259 |
0 |
-13,629 |
-531 |
| n+15 |
7,346 |
0 |
-13,629 |
-524 |
| n+16 |
7,434 |
0 |
-13,629 |
-516 |
| n+17 |
7,523 |
0 |
-13,629 |
-509 |
| n+18 |
7,614 |
0 |
-13,629 |
-501 |
| n+19 |
7,705 |
0 |
-13,629 |
-494 |
| n+20 |
7,798 |
0 |
0 |
650 |
| n+21 |
7,891 |
0 |
0 |
658 |
| n+22 |
7,986 |
0 |
0 |
665 |
|
|
Les en Loi LMNP? |
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