|
|
Dans cet exemple et sur 20 ans,
votre effort* d'épargne mensuel est de: 642
€
*(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 |
18,163 |
4,500 |
15,000 |
-12,663 |
-4,500 |
| n+1 |
10,120 |
13,583 |
4,554 |
15,000 |
-8,017 |
-4,554 |
| n+2 |
10,241 |
12,923 |
4,609 |
15,000 |
-7,290 |
-4,609 |
| n+3 |
10,364 |
12,228 |
4,664 |
15,000 |
-6,528 |
-4,664 |
| n+4 |
10,489 |
11,499 |
4,720 |
15,000 |
-5,730 |
-4,720 |
| n+5 |
10,615 |
10,731 |
4,777 |
15,000 |
-4,893 |
-4,777 |
| n+6 |
10,742 |
9,925 |
4,834 |
15,000 |
-4,017 |
-4,017 |
| n+7 |
10,871 |
9,077 |
4,892 |
15,000 |
-3,098 |
-3,098 |
| n+8 |
11,001 |
8,186 |
4,951 |
15,000 |
-2,136 |
-2,136 |
| n+9 |
11,133 |
7,250 |
5,010 |
15,000 |
-1,126 |
-1,126 |
| n+10 |
11,267 |
6,265 |
5,070 |
15,000 |
-68 |
-68 |
| n+11 |
11,402 |
5,230 |
5,131 |
15,000 |
1,041 |
0 |
| n+12 |
11,539 |
4,142 |
5,193 |
15,000 |
2,204 |
0 |
| n+13 |
11,677 |
2,999 |
5,255 |
15,000 |
3,424 |
0 |
| n+14 |
11,818 |
1,797 |
5,318 |
15,000 |
4,703 |
0 |
| n+15 |
11,959 |
0 |
1,794 |
15,000 |
10,165 |
0 |
| n+16 |
12,103 |
0 |
1,815 |
15,000 |
10,287 |
0 |
| n+17 |
12,248 |
0 |
1,837 |
15,000 |
10,411 |
0 |
| n+18 |
12,395 |
0 |
1,859 |
15,000 |
10,536 |
0 |
| n+19 |
12,544 |
0 |
1,882 |
15,000 |
10,662 |
0 |
| n+20 |
12,694 |
0 |
1,904 |
15,000 |
10,790 |
0 |
| n+21 |
12,847 |
0 |
1,927 |
15,000 |
10,920 |
0 |
| n+22 |
13,001 |
0 |
1,950 |
15,000 |
11,051 |
0 |
|
TRESORERIE |
Année
|
Loyers nets de charge
|
Impact fiscal |
remboursements prêts
|
Trésorerie annuelle
|
| n |
8,500 |
|
-26,493 |
-17,993 |
| n+1 |
8,602 |
-13,057 |
-26,493 |
-4,835 |
| n+2 |
8,705 |
-13,073 |
-26,493 |
-4,715 |
| n+3 |
8,810 |
-13,089 |
-26,493 |
-4,594 |
| n+4 |
8,915 |
-13,106 |
-26,493 |
-4,472 |
| n+5 |
9,022 |
-13,123 |
-26,493 |
-4,348 |
| n+6 |
9,131 |
-13,140 |
-26,493 |
-4,223 |
| n+7 |
9,240 |
-12,912 |
-26,493 |
-4,341 |
| n+8 |
9,351 |
-12,636 |
-26,493 |
-4,506 |
| n+9 |
9,463 |
-12,347 |
-26,493 |
-4,683 |
| n+10 |
9,577 |
-5,606 |
-26,493 |
-11,310 |
| n+11 |
9,692 |
-5,288 |
-26,493 |
-11,513 |
| n+12 |
9,808 |
-5,268 |
-26,493 |
-11,417 |
| n+13 |
9,926 |
-5,268 |
-26,493 |
-11,299 |
| n+14 |
10,045 |
-5,086 |
-26,493 |
-11,363 |
| n+15 |
10,165 |
-3,288 |
0 |
13,454 |
| n+16 |
10,287 |
4,280 |
0 |
6,008 |
| n+17 |
10,411 |
4,331 |
0 |
6,080 |
| n+18 |
10,536 |
4,383 |
0 |
6,153 |
| n+19 |
10,662 |
4,436 |
0 |
6,227 |
| n+20 |
10,790 |
4,489 |
0 |
6,301 |
| n+21 |
10,920 |
4,543 |
0 |
6,377 |
| n+22 |
11,051 |
4,597 |
0 |
6,454 |
|
| |
|
