Real estate

Real estate (/immobilier) is the category for the property you own: a primary residence, a second home, a rental investment, a furnished rental (LMNP). It is the one category that shows a card per property instead of a table, because a property has a sheet and a loan and neither fits in a row.

REIT and SCPI shares are real estate too and are filed apart, under Paper real estate (/papier): they are shares in a landlord rather than a building, and a property saved with that type leaves this page for that one.

The layout is the same as every other category’s, described in Accounts: two tabs, Properties and Movements, under the category’s value, its performance over the period you pick and its breakdown by account. The rest of this page covers what fills it here.

Three figures, then one card for each property

Above the cards are Property value, the sum of what your properties are worth, Balance owed, what the loans on them still owe, and Net equity, the difference.

A card names the property and its type, then its area, the year it was built, its address and the institution behind it. On the right are its value, its net equity, and the day that value was stated: nothing refreshes a property’s price on its own, so a figure a year old is marked as a figure a year old. Under them, on a financed property, a bar says how much of it the loan still finances, and below that come the description you wrote and the facts from the sheet as chips: the type, the EPC grade, the rooms, the bathrooms, the floor. A property with no loan says so where the schedule would be.

Every card opens expanded, because the detail under it is what you come to this page for. A closed property is listed and counted like any other, marked Archived: archiving sets a property aside and records no sale.

The loan under a property

The debt at the top of the loan block is the balance you stated. Everything below it comes from the schedule your terms imply, and the two are kept apart on purpose: a reader who repaid ahead of time is told what the schedule would have projected by today, in a line under the figure, rather than seeing one silently corrected into the other.

The schedule itself gives the monthly payment and its split into principal and interest, the loan’s end date, the months left and the rate, the share of the principal repaid, and three totals: principal repaid, interest paid so far, interest over the full term. Two charts follow, what you repay each year and the balance the schedule projects, with today marked on both.

A loan whose principal, term or start day is missing has no schedule to draw. It says so and stops at the debt, which is still counted everywhere.

A loan attached to no property card gets a card of its own at the foot of the page: a consumer loan, a loan on paper real estate, a loan whose property has been deleted.

Adding a property

While the category is empty it offers Add a property; once it holds one, the way in is the add screen itself, /ajouter/immobilier. The form is the same either way. Only the name is required, and a property entered with nothing else is a card with a name on it, whose rest can be filled in later.

Beside the name sit the institution, the property type, the value and the acquisition date. Then the sheet, in five parts: General (description, type, EPC grade, address), Purchase & fees (purchase price excluding fees, agency, notary, renovation and furnishing costs), Area & rooms (area, year built, floor, rooms, bathrooms, garages, parking, garden, balcony), Options (lift, new build, furnished) and Amenities, where the kitchen, the bathroom, the flooring, the windows and the overall condition each take a quality and a condition. Every field may be left empty; an empty field is unknown, never zero.

The loan comes last and is optional: amount borrowed, annual rate, term in months and the day the loan started. Those four build the schedule, and a loan missing one of them shows only its debt.

Correcting one

Edit, on the card, reopens that whole form on the property: the sheet, the value, the dates, and the loan’s terms where it has one. It is also the one place in Badlen where you can rename an account.

A value typed there is recorded as a stated balance on today’s date, and the ones before it are kept. The loan’s outstanding balance is never rewritten from the schedule, which is why the two can disagree on the card.

A property also has an account page of its own, at /immobilier/compte/<id>: three tabs, Details with the whole list of stated balances and the button that adds one, Movements, and Settings, which is where the property is archived or deleted. Account settings describes that last tab.