Calculateur d'Accumulation de Capitaux Propres — Formule
## How Equity Builds Over Time
Equity in real estate grows from two main sources: mortgage principal paydown and property appreciation.
### Formula
**Future Equity = Future Property Value - Future Loan Balance**
- Future Property Value = Current Value x (1 + Appreciation Rate)^Years
- Future Loan Balance = Current Balance - Total Principal Payments
### Sources of Equity
1. **Initial equity** from your down payment
2. **Paydown equity** from each mortgage payment that reduces the principal
3. **Appreciation equity** from market value increases
Equity in real estate grows from two main sources: mortgage principal paydown and property appreciation.
### Formula
**Future Equity = Future Property Value - Future Loan Balance**
- Future Property Value = Current Value x (1 + Appreciation Rate)^Years
- Future Loan Balance = Current Balance - Total Principal Payments
### Sources of Equity
1. **Initial equity** from your down payment
2. **Paydown equity** from each mortgage payment that reduces the principal
3. **Appreciation equity** from market value increases
Exemple Résolu
A $400,000 property with a $320,000 loan balance, $500/month principal paydown, 3% appreciation, held for 5 years.
- Current equity: $400,000 - $320,000 = $80,000
- Future property value: $400,000 x (1.03)^5 = $463,710
- Total principal paydown: $500 x 60 = $30,000
- Future loan balance: $320,000 - $30,000 = $290,000
- Projected equity: $463,710 - $290,000 = $173,710
- Equity from appreciation: $463,710 - $400,000 = $63,710