AgentSkillsCN

french-property-investment

根据适当的Markdown文件结构、前言信息与系统提示，创建Claude Code自定义子代理。当用户请求创建代理、添加子代理，或打造新的专业代理时使用此功能。

SKILL.md
--- frontmatter
name: french-property-investment
description: Analyze French rental property investments with comprehensive financial modeling. Use when analyzing French properties, calculating mortgage payments, ROI, cash flow projections, or break-even analysis. Includes French-specific costs like arrangement fees (1%), registration fees (1.5%), survey fees (€750), and mandatory life insurance (0.4% annually).
allowed-tools: Bash(python:*)

French Property Investment Analyzer

Analyze French rental property investments with detailed cash flow projections, ROI calculations, and break-even analysis.

Quick Start

The calculator runs via Python script with JSON input/output:

bash
echo '{
  "propertyPrice": 300000,
  "downPayment": 60000,
  "interestRate": 3.5,
  "loanTermYears": 20,
  "monthlyRent": 1500,
  "holdingPeriodYears": 10
}' | python3 french_mortgage.py --json-input

Returns comprehensive JSON with mortgage details, yearly projections, and investment summary.

Required Parameters

ParameterDescription
propertyPriceProperty purchase price in EUR
downPaymentDown payment in EUR
interestRateAnnual interest rate (%)
loanTermYearsLoan term in years
monthlyRentMonthly rental income in EUR
holdingPeriodYearsInvestment holding period in years

Optional Parameters

See reference.md for complete parameter list including property tax, HOA fees, maintenance, management fees, vacancy rate, and rent increases.

French-Specific Costs

The calculator automatically includes:

  • •Arrangement Fee: 1% of loan amount
  • •Registration Fee: 1.5% of loan amount
  • •Survey Fee: €750 fixed
  • •Life Insurance: 0.4% annually (in monthly payment)

Common Use Cases

For detailed examples of comparing properties, sensitivity analysis, and handling complex scenarios, see examples.md.

Key Output Metrics

  • •Monthly Payment: Mortgage + life insurance
  • •ROI: (Net profit / Initial investment) × 100
  • •Cash-on-Cash Return: Annual cash flow / initial investment
  • •Break-Even Year: When cumulative cash flow becomes positive
  • •Equity Build-Up: Down payment + principal paid

How to Use with Claude

When the user mentions French property analysis, extract parameters from natural language and run the analysis.

Example user request:

"What's the ROI on a 300k property with 20% down, 3.5% interest, renting for 1500/month?"

Extract and run:

bash
echo '{
  "propertyPrice": 300000,
  "downPayment": 60000,
  "interestRate": 3.5,
  "loanTermYears": 20,
  "monthlyRent": 1500,
  "holdingPeriodYears": 10
}' | python3 french_mortgage.py --json-input

Present the ROI, monthly payment, cash flow, and break-even year from the results.

Additional Resources