Fictional teaching case
A €250,000 purchase. Two cash plans.
Change an assumption and see where the difference comes from.
Fictional teaching case · Not a listing · No account required
The same example, with more assumptions for you to explore. Every amount is a hypothetical teaching assumption, not a recommended fee, loan term or reserve.
The fixed baseline
- Property price
- €250,000
- Assumed borrowing toward the price
- €175,000
- Acquisition costs
- €20,000
- Works allowance
- €15,000
- Financing costs not already included above
- €3,000
- Reserve to retain
- €10,000
- Cash toward the price
- €75,000
- Cash used for these included items
- €113,000
- Reserve to retain
- €10,000
- Cash to allocate
- €123,000
€250,000 − €175,000 + €20,000 + €15,000 + €3,000 + €10,000 = €123,000 to allocate: €113,000 used for these items and €10,000 kept in reserve. Borrowing reduces the cash you need; the reserve stays yours.
Your result
Figures changed. Update the comparison to refresh this result.
No current result until these figures are valid.
Cash to allocate
—
Including the retained reserve
- Cash toward the price
- —
- Acquisition costs
- —
- Works allowance
- —
- Financing costs not already included above
- —
- Cash used for these included items
- —
- Reserve to retain
- —
The reserve stays available to you; it is not a purchase fee.
Baseline and your comparison
Figures changed. Update the comparison to refresh this result.
| Amount | Baseline | Your comparison | Difference |
|---|---|---|---|
| Cash used for these included items | €113,000 | — | — |
| Reserve to retain | €10,000 | — | — |
| Cash to allocate | €123,000 | — | — |
Difference is your comparison minus the baseline.
Important to know
What this example includes and leaves out
It works from six stated amounts: the price less the assumed borrowing, plus acquisition costs, works, financing costs and the retained reserve. It does not assess mortgage eligibility, a tax return, an investment yield or a property’s value, and it is not a full transaction budget or professional advice.
Left out of the total:
- Running costs and annual ownership expenses
- Ongoing loan repayments and insurance
- Currency conversion
- Personal tax, investment return and property valuation
- Borrowing for works or fees, borrowing above the price and staged drawdowns
- Anything you have not entered
Why the buying-budget guide shows a different total. The guide uses the same price with a fuller schedule: estimated acquisition costs, furniture, moving and currency costs. It reaches €304,319.95 of resources, including its reserve. This example is narrower: €123,000 to allocate, including the €10,000 retained reserve, on top of €175,000 of borrowing. The two examples count different items, so their totals are not meant to match.