c*********i
发帖数: 570 | 1 Bay Area's average homebuyers shut out by cash offers, investors
By Pete Carey
p****[email protected]
Posted: 04/03/2013 10:51:33 AM PDT
Updated: 04/03/2013 10:51:43 AM PDT
Click photo to enlarge
Realtor Sharmila Banerjee shows her clients, Waruna and Inoka Fernando with.
.. ( Karl Mondon )
As the Bay Area's prime homebuying season begins, a witches' brew of market
forces is making this spring one of the toughest times in memory to purchase
a home.
Arrayed against average buyers are fiercely... 阅读全帖 |
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j***y
发帖数: 2074 | 2 first time homebuyer
You (and your spouse if married) did not own any other main home during the
3-year period ending on the date of purchase.
看了5405的INSTRUCTIONS，FIRST TIME HOMEBUYER的一个条件如上，是什么意思？如果
在美国以外的国家已经有房子是不是也不属于FIRST TIME HOMEBUYER？是指从买房子起
的三年前还是买后三年没有其他的MAIN HOME？ |
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d**b
发帖数: 211 | 3 http://money.cnn.com/2009/11/06/real_estate/tax_credit_extended/?postversion=2009110615
NEW YORK (CNNMoney.com) -- President Obama signed an extension and expansion
of the first-time homebuyers tax credit on Friday.
The $8,000 credit was scheduled to lapse on Dec. 1 but will now be in effect
through the end of June. Homebuyers must sign a contract before April 30
and close by June 30. The income limits were also raised: Single buyers can
now earn up to $125,000 and still get the full credit whil |
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k*******2
发帖数: 21 | 4 By a margin of 409-5, the House of Representatives today passed a bill (H.R.
5623) that would extend the closing date for the first time homebuyer tax
credits by three months to September 30, 2010. The Senate could vote on the
bill as early as tomorrow.
As it stands, to receive the tax credit, homebuyers must have signed a
contract to purchase by April 30, 2010, and must close by June 30, 2010.
However, homeowners have reported widespread difficulty with closing in time
for a variety of uncontro |
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M*B
发帖数: 491 | 5 用TurboTax添税表的时候看到这段，怎么这笔钱还要还回去呀？
2008 First-Time Homebuyer Credit
You can take a first-time homebuyer credit for 2008 of $7,500.
You will receive this amount as a refundable credit for 2008 and will be
responsible to repay the amount in equal installments starting two years
from 2008. This repayment amount will be included as an additional tax for
those years.
还有，开始还说我qualify 那个什么经济刺激credit,填完表，这一项怎么找不到了？
多谢！！ |
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f*********n
发帖数: 11154 | 6 版上好像有几个过去一年多买了房子，自己看看吧，也许你qualify的是2009年的$8,
000 credit；
也许qualified是2008年的$7,500 credit，这个是要还的。
http://www.wral.com/news/local/story/6957264/
RALEIGH, N.C. — Have you taken advantage of the federal first-time
homebuyers tax credit? If so, you might have to pay it back.
The Internal Revenue Service defines a first-time homebuyer as someone who
has not owned a home in the three years prior to purchase.
The tax credit, for people purchasing a home from Nov. 7, 2009, to April
30, 2010, is generally |
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b****z
发帖数: 337 | 8 NEW YORK (CNNMoney.com) -- The House of Representatives voted Tuesday to
give first-time homebuyers three more months to close on their purchases
and land an $8,000 federal income tax credit.
But the Senate had better act fast - the deadline is currently
Wednesday.
439
EmailPrintComment
The bill doesn't help anyone currently shopping for a home. Buyers must
have signed a contract by April 30 to qualify for the tax break. At
issue is when the deal must be finalized.
The House voted 409 to 5 to de |
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b***k
发帖数: 654 | 10 这里不是说 FHA , FHA的首付低,但cost高,要买额外保险...好处是利率
跟房子走, 将来利率高了好卖.
Fist-Time Homebuyer program 是rate,cost都低. |
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r****r
发帖数: 701 | 11 我09年买的房，拿到这个8000块，10年卖的房，损失了10000块。
今年用turbo tax报税的时候，它说我不用退还这个8000块。不是很懂，查了一下规定
http://www.irs.gov/newsroom/article/0,,id=206293,00.html
You may have to repay the full or a part of the credit when:
You sold your main home to a non-related person or entity. You repay the
amount of the credit up to the amount of your capital gain. Note: when
calculating gain or loss on your main home if you received the first-time
homebuyer credit, you reduce your basis by the amount of the credit. See
Publicatio... 阅读全帖 |
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c*****r
发帖数: 8227 | 12 "cash for clunker" and "homebuyers tax credits" successfully drained
consumers for the future. Now, it's time to pay back...
The recession this time is not short one, is not shallow one, is not easily
curable by those stupid political driven economic stimulus plans...
http://finance.yahoo.com/news/December-home-sales-down-apf-2729493334.html
Home sales plunge nearly 17 percent in December after tax credit deadline
extended.Sales of previously occupied homes took the largest monthly drop in
more |
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m**a
发帖数: 1840 | 13 1. 只能paper file
2. 需要attach Form 5405, HUD-1(Settlement Statement)
3. 对于4月30前刚刚enter contract, 之后30天才能close并且拿到HUD-1的,
那么就先附一个signed contract. 等拿到HUD-1再补send a copy. 因为看到版上
有人先拿到federal的refund, 并要求不材料.
Ref.
http://www.irs.gov/newsroom/article/0,,id=204671,00.html
1. Because of the documentation requirements for claiming the credit,
taxpayers who claim the credit on their 2009 tax return must file a paper —
not electronic — return and attach Form 5405, First-Time Homebuyer Credit
and Repayment of |
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w********u
发帖数: 545 | 14 08年买房,政府给了$7500的homebuyer credit, 其实是个15年的免息贷款。去年跨洲搬
家，那个房子就租出去了。结果今年保税的时候，说因为不是primary home了，要把没
有还完的7500 credit的剩余部分一次还清！！就这个原因，一下子要多补税4000多。
而且，还因为需要补交的税太多，导致要再交一个underpayment penalty！！虽然不多
，penalty 70多块钱，但是这个合理吗？我并不是平时交税太少，如果没有这个一次性
补交4500的credit,我还能有小几百的退税。现在由于这个原因，还要交penalty。
大家谁有同样的情况吗？可以有什么说法至少不用交那个penalty吗？如果能够不需要
一次把4500补回去，还能每年补500那就更好了。
大包子答谢！！ |
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y*******1
发帖数: 147 | 15 The single largest provision in the $15.1 billion package of housing tax
incentives in the recently enacted Housing Assistance Tax Act of 2008 (the
“Housing Act”) is a measure allowing individuals buying their first home
to take a tax credit of up to $7,500 of the purchase price. Qualified
homebuyers can subtract the credit amount from their federal income tax when
they buy a home and even get a refund if the credit exceeds the tax.
However, they are then required to pay the credit back over 15 |
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y*****n
发帖数: 75 | 16 有人知道哪天是 New homebuyers to get $8000 cash back的 deadline? |
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k**********0
发帖数: 1237 | 17 Many friends asked me about First-Time Homebuyer Credit issue. It actually turns to be an old question now since the dealine 4/30/10 is over already if you haven't had a binding purchase contract.
The definition for qualifying purchases in 2010 for Federal is as following:
1).You must have bought — or entered into a binding contract to buy — a principal residence on or before April 30, 2010.
2).If you entered into a binding contract by April 30, 2010, you must close (go to settlement) on the hom |
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C*********0
发帖数: 69 | 18 $6500 2nd homebuyer Credit, but lived < 3 years, how to payback
因工作调动，我于去年六月在外州工作所在地买了第二个房子，自己住。并得到second
home buyer $ 6500 credit from IRS. （第一个房子也是自家人住）。现又因工作调
动，需卖掉第二个房子。问题是：
1）我要偿还这笔钱给 IRS. 我应还回 total $ 6500 or only need to pay back
proportional portion of it ? (Since I will live in it at least one and half
years).
2). Is there any website regarding this regulation/rules?
多谢。 |
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b****k
发帖数: 194 | 19 来自主题: _GoldenrainClub版 - 八千块延了. 这回大家不用在今年冬天急着抢房子了, 神经错乱延到明年2,3月份了.
http://blog.taragana.com/n/senators-agree-to-extend-tax-credit-
first-time-homebuyers-expanding-it-to-repeat-buyers-210325/
Senators agree to extend tax credit for first-time homebuyers, expanding
it to repeat buyers
By Stephen Ohlemacher, APOctober 28th, 2009
Senators agree to extend homebuyer tax credit
WASHINGTON — Senators agreed Wednesday to extend a popular tax credit
for first-time homebuyers and to offer a reduced credit to some repeat
buyers.
The tax c... 阅读全帖 |
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h**p
发帖数: 377 | 20 see Q&A from irs website:
S1. If a single person (Taxpayer A) qualifies as a first-time homebuyer at t
he time he/she purchases a home with someone (Taxpayer B) that is not a firs
t-time homebuyer and then later that year they marry each other, is the cred
it still allowed?
A. Eligibility for the first-time homebuyer credit is determined on the date
of purchase. If Taxpayer A, a first-time homebuyer, buys a house and then l
ater that year marries Taxpayer B, not a first-time homebuyer, the credi |
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i**********g
发帖数: 661 | 21 听朋友说的，网上查了一下，看到这个。请大家确认一下，是不是真的改了？是正式改
了吗？
http://www.trumpuniversity.com/blog/post/2009/11/the-new-homebuyer-tax-credit.cfm
The New Homebuyer Tax Credit
President Obama signed the Homebuyer Tax Credit this week. This new tax
credit extends and expands the credit set to expire on November 30th, 2009.
The new legislation is effective November 7, 2009 and expires April 30,
2010.
Highlights are as follows:
* The first time homebuyer tax credit remains at: $8000.
* First time buyer definiti |
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s****y
发帖数: 21 | 22 First-Time Homebuyers Tax Credit
First-time homebuyers should begin planning now to take advantage of a new
tax credit available for a limited time. The credit applies to primary home
purchases between April 9, 2008, and June 30, 2009. Normally, this tax
credit must be paid back in equal payments over 15 years. The credit is 10
percent of the purchase price of the home, with a maximum available credit
of $7,500 for either a single taxpayer or a married couple filing jointly.
First-time homebuye |
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x**l
发帖数: 2337 | 23 请问我是2016年10月买的来美国后第一套自住房，都说房产税和贷款利息可以抵税，具
体体现在1040表的哪一条？我看到60b是关于第一套房子的，但是应该是2008年买的房
子，是不是2008年之后买的房子不属于这一条的范围啊？难道今年我拿不到First-time
Homebuyer Credit？
1040表instruction的60b是这样说的：
Line 60b
First-time Homebuyer Credit
Repayment
Enter the first-time homebuyer credit
you have to repay if:
You bought the home in 2008, or
The home you bought was destroyed,
condemned, or sold under threat
of condemnation in 2014 and that event
occurred during the 36-month period
that began on the date you bought the
home... 阅读全帖 |
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f********g
发帖数: 126 | 24 http://www.michigan.gov/mshda/0,4641,7-141-45866_53692---,00.ht
Michigan state housing development authority has The Mortgage Credit
Certificate (MCC) Program.
Homebuyers taking advantage of the MCC Program may qualify for 20% of their
annual mortgage interest paid to be credited against their year-end tax
liability. This is not a one time tax credit, but can be taken advantage of
each year until the original mortgage is paid in full as long as the
property remains the homebuyer's primary resid... 阅读全帖 |
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g********0
发帖数: 15010 | 25 Requirements to be considered a first-time homebuyer under IRA rules.
If you receive a qualified first-time homebuyer distribution from a regular
IRA you don't have to pay the 10% early distribution penalty even if you're
less than 59½ years old. And if you take a qualified first-time
homebuyer distribution from a Roth IRA after you satisfy the five-year
requirement, you don't have to pay tax on the distribution. |
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s*******1
发帖数: 16479 | 26 论起买房，亚裔都不算在少数族裔了。以后贷款利率针对亚裔弄不好要定一个更高的新
利率彰显pussy价值
左B记者吃饱了撑的没事干怎么不说亚裔申请到housing的percentage低是种族歧视啊，
明明是生活方式和种族传统的问题，非往种族歧视上扯，而且还拼命给亚裔招黑。白左
就是癌细胞。
http://www.nydailynews.com/life-style/real-estate/homeownership
GETTING SHUT OUT OF HOME: Homeownership remains a pipe dream for New York
City minorities, a new report shows
The so-called American Dream is a dream deferred for minorities in New York
City.
Blacks and Hispanics are increasingly less likely than whites and Asians to
own homes here — a prob... 阅读全帖 |
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l****z
发帖数: 29846 | 27 Helping "Qualified" Buyers: Fannie, Freddie Detail 3%-Down Payment Mortgage
Program
Now that home prices have recovered and homes are not the bargain they were
four years ago, it is fitting the parasites once again want to make homes "
affordable" to the masses with low-down payment options.
Please consider Fannie Mae, Freddie Mac detail plans for 3% down-payment
mortgages.
Housing finance giants Fannie Mae and Freddie Mac on Monday detailed
plans to once again back mortgages with down payme... 阅读全帖 |
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d*****r
发帖数: 273 | 28 Yes.
According to the IRS, in order for an Roth IRA early withdrawal to qualify
as a qualified first home purchase distribution, it must meet the following
requirements:
1) It must be used to pay qualified acquisition costs before the close of
the 120th day after the day you receive the distribution.
2) It must be used to pay qualified acquisition costs for the main home of a
first-time homebuyer who is any of the following.
* Yourself
* Your spouse
* Your or your spouse's child
... 阅读全帖 |
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d*****r
发帖数: 273 | 29 Yes.
According to the IRS, in order for an Roth IRA early withdrawal to qualify
as a qualified first home purchase distribution, it must meet the following
requirements:
1) It must be used to pay qualified acquisition costs before the close of
the 120th day after the day you receive the distribution.
2) It must be used to pay qualified acquisition costs for the main home of a
first-time homebuyer who is any of the following.
* Yourself
* Your spouse
* Your or your spouse's child
... 阅读全帖 |
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n*******9
发帖数: 3244 | 31 Senate Close to Deal Replacing Homebuyer Tax Credit (Update2)
By Dawn Kopecki and Ryan Donmoyer
Oct. 27 (Bloomberg) -- U.S. Senate leaders moved closer to an agreement
replacing an expiring $8,000 tax credit for first- time homebuyers with a
smaller one that would expand access to so-called step-up purchasers, two
people familiar with the matter said.
The deal would reduce the size of the tax credit to 10 percent of the sale’
s price, capped at $7,290, the people said. The credit would be availa |
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n*******9
发帖数: 3244 | 32 House votes to expand homebuyer tax credit
By STEPHEN OHLEMACHER (AP)
First-time homebuyers have been getting tax credits of up to $8,000 since
January as part of the economic stimulus package enacted earlier this year.
But with the program scheduled to expire at the end of November, the House
voted 403-12 Thursday to extend and expand the tax credit to include many
buyers who already own homes. The Senate approved the measure Wednesday, and
President Barack Obama is expected to sign it.
Buyers |
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L******Y
发帖数: 8 | 33 1, for the $8000 homebuyer tax credit, the definition for the first-time
homebuyer is: May not have had an interest in a principal residence for 3
years prior to purchase
How to understand "interest"?
2, If I am a current homeowner and don't want to sell the current house,
will I be qualified for the tax credit of the new house?
http://www.realtor.org/fedistrk.nsf/files/government_affairs_tax_credit_ext_chart_110409.pdf/$FILE/government_affairs_tax_credit_ext_chart_110409.pdf
Any comments? Thank |
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m*****i
发帖数: 1829 | 34 First Time Homebuyer Tax Credit Extended Into 2010!
Plus...A New Tax Credit for Certain Existing Home Owners!
It's official. President Obama has signed a bill that extends the tax credit
for first-time homebuyers (FTHBs) into the first half of 2010. This program
had been scheduled to expire on November 30, 2009.
In addition to extending the tax credit of up to $8,000 through June 30,
2010, the extension measure also opens up opportunities for others who are
not buying a home for the first time. |
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d******y
发帖数: 123 | 35 规定是要住满3年，但是如果住了1年后不满意又换了房，或者不满3年把它租出去还能
拿到吗。IRS怎么
知道呢？是不是需要把8000退回去呢？
$8000 tax credit for first-time homebuyers extended for buyers who sign a
contract by April 30, 2010 (and who close by the end of June).
$6500 tax credit offered to homebuyers who have lived in their current
residence at least five years and who want to “trade up” (buy a new
primary residence).
Couples earning as much as $225,000 a year and individuals earning up to
$125,000 would qualify (up from $75,000 for individuals and $ |
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k*******2
发帖数: 21 | 37 Congress has approved a three-month extension of the homebuyer tax credit
closing date, giving qualifying buyers until September 30 to close their
deals as long as they signed contracts by April 30.
The legislation, passed by the House on Tuesday and the Senate late
Wednesday, gives first-time homebuyers and "move-up" buyers more time to
qualify for tax credits of up to $8,000 and $6,500, respectively.
The buyers must still have met the April 30 contract date, so no new
contracts can be signed t |
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m***y
发帖数: 14763 | 39 IRS agent among 14 charged with tax credit fraud
March 24, 2011 03:31 PM E-mail| |Comments (3)| Text size – +
By Jenifer B. McKim, Globe Staff
Fourteen people, including an Internal Revenue Service employee, have been
charged with using the federal credit for first-time homebuyers to commit
tax fraud, US Attorney Carmen M. Ortiz said today.
The defendants, most of them from Massachusetts, were charged in multiple
indictments related to filing false tax returns linked to the federal credit
that w... 阅读全帖 |
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n*********e
发帖数: 25274 | 40 Distressed sales at lowest level since at least 2008
股市暴跌中...
WASHINGTON (MarketWatch) — Sales of existing homes fell 1.5% in May as
fewer cheap homes were sold, a trade group said Thursday.
The National Association of Realtors said sales for the month yielded a
seasonally adjusted annual rate of 4.55 million, down from an unrevised pace
of 4.62 million in April. Economists polled by MarketWatch anticipated a 4.
6 million annual rate in May.
Compared to May 2011, sales were up 9.6%, the 11th str... 阅读全帖 |
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l******s
发帖数: 1276 | 41 2010买房申请了8000credit,2012把房子卖掉了，损失了1万多，这种情况下还要退还
8000 credit吗？我看了form 5040，好像亏损的情况下不需要退还了，但是不确定，问
了几个CPA都不知道，这种情况应该怎么办？多谢啊！！
IRS的条款在这里，不过我还是不确定是如果我卖亏了超过8000，就不用归还这个
credit了？
Q. If I claim the first-time homebuyer credit for a purchase in 2009 or
early 2010 and stop using the property as my principal residence before the
36 month period expires after I purchase, how is the credit repaid and how
long would I have to repay it?
A. If, within 36 months of the date of purchase, the property is no longe... 阅读全帖 |
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l**h
发帖数: 7994 | 42 这篇不错，不敢贴链接，超过来了。
If you've been sitting on the sidelines, waiting for the best time to
refinance or get a mortgage to buy a home, think of 2013 as your last chance
to act.
With good credit, persistence and some shopping skills, you can still snag
phenomenal deals this year -- even if you are underwater on your loan.
Here are 10 mortgage tips to help you with your mortgage decisions in 2013.
Tip 1: Stop procrastinating and refinance
If you haven't refinanced recently, you're probably paying a hig... 阅读全帖 |
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w*****m
发帖数: 20421 | 44 If the government shuts down, what happens to all the Uncle Sam-backed
mortgages that are in the pipeline? They account for about 90% of U.S. home
loans, so reducing that flow could hurt the housing recovery.
The good news is that most government-backed home loans - those purchased
and securitized by Fannie Mae and Freddie Mac - will be unaffected by a
shutdown. Those companies pay for their operations out of the fees that they
charge lenders.
Related: How will a government shutdown affect you?
... 阅读全帖 |
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u*e
发帖数: 965 | 45 http://finance.yahoo.com/education/real_estate/article/101456/1
10 Things Your Real Estate Broker Will Not Tell You
----------------------------------------------------------------------------
----
.1. "Your open house is really a party for me."
Hire a real estate broker to sell your home and one of the first things he'
ll likely suggest is hosting an open house, so potential buyers can casually
check out your property on a weekend afternoon. While open houses are
promoted as a great way of find... 阅读全帖 |
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d*******u
发帖数: 5337 | 46 今天收到广告，3% downpay 是不是新一轮的次级债开始了
xxx
Down payments just got downsized. Introducing the 97% LTV (loan‑to&#
8209;value) mortgage.
Is It the Right Fit for You?
This isn’t your parents’ home loan. Forget about putting 10% or 20% down—
how does 3% sound? A 97% LTV mortgage is literally made for first‑time
homebuyers.
What Should I Know?
A smaller down payment can make saving up a lot simpler. Here are a few
things to keep in mind:
• It requires a minimum 620 FICO® score.
R... 阅读全帖 |
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m******3
发帖数: 983 | 47 Expanded Tax Break Available for 2009 First-Time Homebuyers
IR-2009-14, Feb. 25, 2009
WASHINGTON — The Internal Revenue Service announced today that taxpayers
who qualify for the first-time homebuyer credit and purchase a home this
year before Dec. 1 have a special option available for claiming the tax
credit either on their 2008 tax returns due April 15 or on their 2009 tax
returns next year.
Qualifying taxpayers who buy a home this year before Dec. 1 can get up to $8
,000, or $4,000 for marrie |
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s******g
发帖数: 654 | 48 For 2009 Home Purchases
The American Recovery and Reinvestment Act of 2009 expanded the first-time
homebuyer credit by increasing the credit amount to $8,000 for purchases
made in 2009 before Dec. 1.
For home purchased in 2009, the credit does not have to be paid back unless
the home ceases to be the taxpayer's main residence within a three-year
period following the purchase.
First-time homebuyers who purchase a home in 2009 can claim the credit on
either a 2008 tax return, due April 15, 2009, o |
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S*********w
发帖数: 53 | 49 The IRS gives a new Form 5405 for First-Time Home Buyer Credit to claim $7,
500 & 8,000 Homebuyer credits.
Use Form 5405 to claim a $7,500 tax break or $8,000 first time home buyer
tax credit. It's updated per the final 2009 economic stimulus plan. Learn
who doesn't qualify.
On February 25, 2009, the IRS issued a press release that clearly
distinguished between the two homebuyer tax credit amounts ($7,500 and $8,
000); one is allowed for purchases made from April 9, 2008 through December
31, |
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t******t
发帖数: 772 | 50 请检查你输入的资料。如果你2008年底前买的房子，是
For 2008 Home Purchases
The Housing and Economic Recovery Act of 2008 established a tax credit for
first-time homebuyers that can be worth up to $7,500. For homes purchased in
2008, the credit is similar to a no-interest loan and must be repaid in 15
equal, annual installments beginning with the 2010 income tax year.
For 2009 Home Purchases
The American Recovery and Reinvestment Act of 2009 expanded the first-time
homebuyer credit by increasing the credit amount to $8, |
|
