A Board to calculate depreciation for a home loan with repayment of interest and principal year by year (see below).

This table is useful for calculating the deduction of interest on loans for the purchase of a principal residence.
This table is also useful for investors wishing to deduct interest
Borrowing its property income (Actual speed)
Deduction interest loan to purchase a principal residence
Few French know this device (deduct interest on borrowing her principal residence) offering financial gain, however, far from negligible.
Indeed, the government in 1997 allowed the deduction of loan interest to further the government objective of home ownership for the greatest number of French.
To support the purchasing power of homeownership and therefore the observation that the interest burden is greatest the first year repayment of a mortgage, the rate of tax credit interest paid under the first annuity payment is increased from 20 to 40%.
To support the housing market, the deduction applies to all purchases principal residence (first, second or third acquisition by example).
Moreover, by flexibility, if the home as his principal residence is lived as such for three years and it is rented then the deduction The same applies on the first three years.

Come in detail the legal requirements and ways of calculating this measure:
What are people who can benefit from: This is the single or couples, in fact all individuals who finance their primary residence credit are concerned.
Small important detail to note: If only one spouse owns the dwelling while the couple is subject to a common tax deduction is fully applicable. Ditto for PACS partners.
Operations real estate involved:
Buying into the old, new, land acquisition and construction detached house, the purchase and resale with bridge loan, acquisitions housing need of work, the processing office or Local housing activity. If there is work, they must be financed by credit that finances well.
Types Loans that are relevant: All mortgages that finance a primary residence are taken into account (fixed revisable depreciable, ultimately bridging loans ...).
In addition, and it is important to note, the deduction may be combined with all the aid that finance a primary residence (loan 0% loan rate plus 0%, 1% housing, housing savings, Pass-Land ...).
What you can deduct and what you'll win:
You deduct the first year of repayment of 40% interest then 20% per year each of the four following years, in the limit € 3750 interest per year for a single person and € 7,500 interest per year for a married couple, plus € 500 per dependent.
These amounts are doubled for tax households with at least one disabled person.
For a single, the maximum deduction reached € 1,500 (40% of 3,750 €) the first year and 750 € (20% of 3,750 €) per year for four years.
For a couple, the deduction increases to € 3,000 (40% of 7,500 €) always the first year plus € 200 per dependent (40% from 500 €).
The years, the couple set off against 1500 € (20% of € 7500) over 100 € (20% to € 500) per dependent.
Households Non-taxable them will "pay back" their interests loan and receive a check issued by the Treasury.
To investors who want to deduct interest on loans to real estate leased.
We can deduce the loan interest including a tenant if it depends on the actual speed.
Scheme that can take on optional (you can choose an option, even if your income is below 15,000 Euros. It will then apply at least 3 years) or beyond € 15,000 of income property (in this If the system of micro-land may not be applicable).
In this case the actual speed, you can deduct interest on loans you have contracted for the acquisition, construction, repair or improvement of leased premises. The deduction covers not only the interests but also on borrowing costs (cost of formation of record, mortgages, etc..). The amount and duration of deduction is not capped.
To calculate your loan interest, we suggest you use Table below:

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