Projected home equity
Property value minus projected secured debt
France · EUR
Estimate Your Equity in a Property in France
Estimate how much of your property you own, usable equity at a target LTV and the effect of additional secured borrowing.
Property-value sensitivity
Estimated equity after proposed borrowing and immediate mortgage paydown
| Value change | Property value | Secured debt | Home equity | Equity percentage | Combined LTV |
|---|
Year-by-year equity projection
Uses your entered property-growth and mortgage-paydown assumptions
| Year | Property value | Existing secured debt | New borrowing | Total debt | Home equity | Combined LTV |
|---|
Planning estimate only—not a valuation, credit decision or commitment to lend. A lender assesses income, expenses, credit, loan purpose, property, valuation and serviceability. Borrowing secured against your home puts the property at risk if repayments are not made.
Separate net property wealth from borrowing capacity
Net equity is the estimated property value minus the debts secured on it. A €400,000 home with €230,000 of secured debt shows €170,000 of equity before any selling costs. This balance‑sheet figure represents property wealth, not immediately available cash.
Calculate room below a chosen LTV
An illustrative 70% target allows €280,000 of total debt on that home. Deducting the €230,000 already owed leaves €50,000 of planning room. The selected percentage is a comparison marker, not a lending offer. The personal equity cushion is a separate indicator that may be stricter or more flexible than the chosen LTV.
Understand the annual projection
The table reduces existing debt each year by the constant annual principal‑paydown amount you enter. For a new repayment loan, it reduces principal evenly across the term rather than following the amortisation schedule used for its payment estimate. In interest‑only mode, the new principal remains outstanding. Immediate paydown and one‑off value changes apply to the separate scenario, not to this annual projection.
Compare proceeds with the debt created
Fixed and percentage costs are deducted from the proposed borrowing to estimate net proceeds; they are not added to the principal. The interest‑only scenario does not confirm product availability and still assumes that principal will need to be repaid.
Frequently asked questions
Can I borrow all my net equity?
The calculator does not assume that. It applies a target LTV before deducting secured debt, and a lender may allow less.
Is the projection a bank amortisation schedule?
No. It uses constant annual paydown for existing debt and straight-line principal reduction for a new repayment loan.
Are costs added to borrowing?
No. They reduce net proceeds in this model.