Market rates as of 19 October 2026

The simulatorfor your future wealth.

Choose a strategy, adjust every line and see your monthly payment, cash flow, yield and wealth in 25 years, live. With real rates from Meilleurtaux and Pretto.

YOUR SIMULATIONCO-LIVING

Monthly cash flow

+⁠€575

Gross yield

11.3%

Monthly payment

€1,204

Loan rate

3.84%

Gain after 25 years

+⁠€600,764

MeilleurtauxExcellent 15 years3.35%● MeilleurtauxExcellent 20 years3.55%● MeilleurtauxExcellent 25 years3.55%● MeilleurtauxVery good 15 years3.59%● MeilleurtauxVery good 20 years3.70%● MeilleurtauxVery good 25 years3.84%● PrettoAverage rate 15 years3.50%● PrettoAverage rate 20 years3.66%● PrettoAverage rate 25 years3.75%● PrettoBest 20-year rate3,33 %● MeilleurtauxExcellent 15 years3.35%● MeilleurtauxExcellent 20 years3.55%● MeilleurtauxExcellent 25 years3.55%● MeilleurtauxVery good 15 years3.59%● MeilleurtauxVery good 20 years3.70%● MeilleurtauxVery good 25 years3.84%● PrettoAverage rate 15 years3.50%● PrettoAverage rate 20 years3.66%● PrettoAverage rate 25 years3.75%● PrettoBest 20-year rate3,33 %●

Step 1Choose a model.

The models are based on real LICLOC projects. You can then change everything, line by line.

Step 2 · Your settings

Negotiated property price €

Renovation works €

Furniture and appliances €

Current offer: financed through your loan, your deposit falls by€3,700.

Notary fees %

= €14,800 (≈ 8% for older homes, 2.5% for new builds)

LICLOC fees % incl. VAT

= €15,725 incl. VAT (8.5% of the price): search, negotiation, works, furnishing, letting

Bank, guarantee and other fees €

Your deposit (without the offer) €

With the current offer, your actual deposit is€21,300 (8.6% of the total cost): furniture is financed through the loan.

Total cost€247,225

Property price€185,00075%

Works€23,1009%

Notary€14,8006%

LICLOC fees€15,7256%

Furniture€3,7001%

Other fees€4,9002%

Amount borrowed€225,925

MONTHLY CASH FLOW AFTER LOAN

+⁠€575

in your pocket every month, after rent, expenses and loan

Self-financing: the property pays for itself and pays you extra.

Gross yield

11.3%

rent ÷ total cost

Net yield

8.6%

after expenses and vacancy

Monthly payment

€1,204

dont €47 of insurance

Return on deposit

32.4%

annual cash flow ÷ deposit

Break-even rate

7.98%

rate at which cash flow drops to 0

Gain over25 years

+⁠€600,764

net wealth + cash flow − deposit

WHERE THE RENT GOES EACH MONTH

+2,320Rent

−0Vacancy

−541Expenses

−1,204Loan

+⁠€575Left over

Your debt ratio

Below the 35% ceiling: a fundable application. Income of €45,000/yr + 70% of rent.

22.4%

Your net annual income €/yr

Before tax, i.e.€3,750 per month

Your other current loans €/month

0%35% (HCSF)50%

Step 3 · Your wealthYear 25 : €341,410

Property value Outstanding loan Net wealth

Estimated property value€341,410

Outstanding loan−€0

Cumulative cash flow+⁠€280,654

Deposit invested−€21,300

Net gain after25 years+⁠€600,764

Hover over the chart to see each year. Assumptions: property value + 2.0% /yr, rent and charges + 1.5% /yr.

What if rates change?

Your monthly cash flow depending on the rate you get. Break-even rate: 7.98%

2.84% +⁠€697/m

3.34% +⁠€637/m

3.59% +⁠€606/m

3.84% +⁠€575/m

4.09% +⁠€544/m

4.34% +⁠€512/m

4.84% +⁠€446/m

Nominal rate excluding insurance. Monthly payment at the current rate: €1,204 (insurance included).

Your loan, year by year

Total cost of the loan: €135,206 incl. insurance €14,120

PrincipalInterestInsurance

Year 1Year 25

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Indicative, non-binding simulation, excluding tax (LMNP, SCI…) and resale. Nominal rates excluding insurance recorded on 19 October 2026 from the public barometers of Meilleurtaux and Pretto; your actual rate depends on your profile and your bank. The debt ratio follows the French HCSF method (35% maximum, 70% of rent added to income). The models are based on LICLOC projects; the apartment building is a typical example.