|
|
Dans cet exemple et sur 20 ans,
votre effort* d'épargne mensuel est de: 350
€
*(crédit
- loyer - économie d'impôt)
| Prix d'acquisition |
135 679 € |
| Prix d'acquisition + frais |
146 674 € |
| Emprunt |
146 674 € |
| 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 |
5,427 |
10,018 |
2,442 |
8,000 |
-7,033 |
-2,442 |
| n+1 |
5,492 |
7,626 |
2,472 |
8,000 |
-4,605 |
-2,472 |
| n+2 |
5,558 |
7,390 |
2,501 |
8,000 |
-4,333 |
-2,501 |
| n+3 |
5,625 |
7,143 |
2,531 |
8,000 |
-4,049 |
-2,531 |
| n+4 |
5,692 |
6,882 |
2,562 |
8,000 |
-3,752 |
-2,562 |
| n+5 |
5,761 |
6,609 |
2,592 |
8,000 |
-3,440 |
-2,592 |
| n+6 |
5,830 |
6,321 |
2,623 |
8,000 |
-3,115 |
-2,623 |
| n+7 |
5,900 |
6,019 |
2,655 |
8,000 |
-2,774 |
-2,655 |
| n+8 |
5,971 |
5,701 |
2,687 |
8,000 |
-2,417 |
-2,417 |
| n+9 |
6,042 |
5,367 |
2,719 |
8,000 |
-2,043 |
-2,043 |
| n+10 |
6,115 |
5,015 |
2,752 |
8,000 |
-1,652 |
-1,652 |
| n+11 |
6,188 |
4,646 |
2,785 |
8,000 |
-1,243 |
-1,243 |
| n+12 |
6,262 |
4,258 |
2,818 |
8,000 |
-814 |
-814 |
| n+13 |
6,338 |
3,850 |
2,852 |
8,000 |
-364 |
-364 |
| n+14 |
6,414 |
3,421 |
2,886 |
8,000 |
106 |
0 |
| n+15 |
6,491 |
2,970 |
974 |
8,000 |
2,547 |
0 |
| n+16 |
6,568 |
2,497 |
985 |
8,000 |
3,087 |
0 |
| n+17 |
6,647 |
1,998 |
997 |
8,000 |
3,652 |
0 |
| n+18 |
6,727 |
1,475 |
1,009 |
8,000 |
4,243 |
0 |
| n+19 |
6,808 |
925 |
1,021 |
8,000 |
4,862 |
0 |
| n+20 |
6,889 |
0 |
1,033 |
8,000 |
5,856 |
0 |
| n+21 |
6,972 |
0 |
1,046 |
8,000 |
5,926 |
0 |
| n+22 |
7,056 |
0 |
1,058 |
8,000 |
5,997 |
0 |
|
TRESORERIE |
Année
|
Loyers nets de charge
|
Impact fiscal |
remboursements prêts
|
Trésorerie annuelle
|
| n |
4,613 |
|
-12,232 |
-7,619 |
| n+1 |
4,668 |
-4,747 |
-12,232 |
-2,817 |
| n+2 |
4,724 |
-4,756 |
-12,232 |
-2,752 |
| n+3 |
4,781 |
-4,764 |
-12,232 |
-2,686 |
| n+4 |
4,839 |
-4,773 |
-12,232 |
-2,620 |
| n+5 |
4,897 |
-4,783 |
-12,232 |
-2,553 |
| n+6 |
4,955 |
-4,792 |
-12,232 |
-2,485 |
| n+7 |
5,015 |
-4,801 |
-12,232 |
-2,416 |
| n+8 |
5,075 |
-4,811 |
-12,232 |
-2,346 |
| n+9 |
5,136 |
-4,739 |
-12,232 |
-2,357 |
| n+10 |
5,198 |
-3,503 |
-12,232 |
-3,531 |
| n+11 |
5,260 |
-3,386 |
-12,232 |
-3,586 |
| n+12 |
5,323 |
-3,263 |
-12,232 |
-3,646 |
| n+13 |
5,387 |
-3,134 |
-12,232 |
-3,711 |
| n+14 |
5,452 |
-2,999 |
-12,232 |
-3,781 |
| n+15 |
5,517 |
-2,890 |
-12,232 |
-3,825 |
| n+16 |
5,583 |
458 |
-12,232 |
-7,107 |
| n+17 |
5,650 |
1,299 |
-12,232 |
-7,881 |
| n+18 |
5,718 |
1,537 |
-12,232 |
-8,051 |
| n+19 |
5,787 |
1,786 |
-12,232 |
-8,232 |
| n+20 |
5,856 |
2,047 |
0 |
-3,809 |
| n+21 |
5,926 |
2,465 |
0 |
-3,461 |
| n+22 |
5,997 |
2,495 |
0 |
-3,502 |
|
| |
|
