H******d
发帖数: 176 | 1 有没有研究过mello roos的前辈，值得把mello roos一次性pay off吗？听说mello
roos的利率可以达到10% above.想听听大家的意见。谢谢！ |
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W********w
发帖数: 771 | 2 最近看了Torrey Highlands几个较新的房子， 从Zillow上看他们的地产税历史， 发现
从08年起， 他们的税率高达1.8% （taxc 除以tax assessment)， 而不是通常的1.1-1
.2%。 不知这税里面包不包括Mello Roos。 交过Mello Roos的网友能不能扫盲一下？
如果Mello Roos不包括在地产税里， 那应该怎么交， 交哪里？奇怪的是他们05-07的
地产税只有1%， 懂这个历史的能不能说一下。 |
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c******r
发帖数: 108 | 3 最近在考虑是否应当提前付清Mello Roos.想知道大概的payoff amount.
如果你最近提前付请，能否站内发信告知你最后的数字以及你付清时的Mello-Roos年费
，这样我就可以大概推算出来我的数字。非常感谢你的帮助。我也会更新我所知道的信
息。
下面是bubbleinfo上某人的信息。我的房子在improvement area B,就是4s ranch北区
。我的mello Roos年费是$5600左右，Dolinka的人电话里说每个CFD需要35-45k.那就远
远超过$58,000。
My MR servicer gave me an estimate of $58,000 payoff on yearly MR of $5400.
The total of $5400 is actually from two CFDs. One has interest rate of 5.5%
and the other with interest rate of 7.5%.
Total cost of MR over the next 22 years would have ... 阅读全帖 |
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g*******r
发帖数: 1414 | 4 优点是省时间，roo可以自己造程序，mvc的前后端都能靠一句命令弄出代码来
缺点也就是所有framework的缺点，被framework绑架。而且Roo是在有做JPA的需求下比
较好，因为Roo实现的Entity大部分都为整合Spring-data提供方便。
in general，方便但吃资源，代码更规范化但也更heavy |
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w*****m
发帖数: 20421 | 6 No
To be deductible from your FIT (and CA FT) the property tax must be an "ad
valorem" tax. That is one based on the assessed value. Mello Roos taxes,
along with others, are a flat assessment per property, not based on assessed
value. Thus, that portion of your property tax bill attributable to Mello
Roos assessment is not deductible.
The IRS is here to help: http://www.irs.gov/publications/p17/ch22.html#en_US_2011_publink1000173165 |
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I**t
发帖数: 521 | 7 考了古，有说可以有说不可以，糊涂了，去年初刚买了房，好多规矩不懂。
我收到的是分开的账单，mello roos一份，property tax一份。
现在报税中，请问去年交的mello roos抵税吗？如果可以的话是报在联邦税里还是州税
里？谢谢。 |
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I**t
发帖数: 521 | 8 考了古，有说可以有说不可以，糊涂了，去年初刚买了房，好多规矩不懂。
我收到的是分开的账单，mello roos一份，property tax一份。
现在报税中，请问去年交的mello roos抵税吗？谢谢。 |
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I**t
发帖数: 521 | 9 考了古，有说可以有说不可以，糊涂了，去年初刚买了房，好多规矩不懂。
我收到的是分开的账单，mello roos一份，property tax一份。
现在报税中，请问去年交的mello roos抵税吗？谢谢。 |
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T*****A
发帖数: 42 | 10 同问
另外我正处于 选房 状态中， 有的房子价格低但mello roos高，有朋友极力劝我 别买
有mello roos的房子，其中是什么道理？
您当时是怎么看这个问题的？
谢谢 |
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z*********n
发帖数: 94654 | 11 有啥可考虑的，有mello roos的是新房，有人就是喜欢新房，买1928年的黑屋肯定没有
mello roos |
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a*******t
发帖数: 891 | 12 【 以下文字转载自 Living 讨论区 】
发信人: Assailant (反恐精英 勇救人質 精拆炸彈), 信区: Living
标 题: California Property Tax and Mello Roos Question
发信站: BBS 未名空间站 (Sun Sep 27 19:07:17 2009, 美东)
is Fixed Charge Special Assessment the official name for Mello Roos on tax
bill? |
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p****n
发帖数: 2247 | 13 Mello-Roos is one of the Fixed Charge Assessment. If you see xxx CFD#x,
That is Mello-Roos. CFD stands for Community Facilities District. |
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s**********s
发帖数: 324 | 14 跟地产税是一个账单，如果你仔细看，会有一个细则说有多少是Mello Roos。本来这
Mello Roos是不该被用来抵税的，可是地产税局还算仁厚，给算到地产税里，就可以名
正言顺地拿去抵税了。 |
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W********w
发帖数: 771 | 15 谢谢， 不仅给了答案， 还教怎么报税。那也就说那一片的房子在08年以前的property
tax bill 不包括Mello Roos， 08后包括了Mello Roos？
Tax History
Year Taxes paid % Change Tax assessment
2010 $5,426 1.2% $300,000
2009 $5,363 -17.4% $300,000
2008 $6,496 65.3% $408,877
2007 $3,930 -- $400,860
2006 $3,930 -- $393,000 |
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W********w
发帖数: 771 | 16 到哪里去查某一个房子的Mello Roos年限呢？这个年限是不是在地产商建房是就定好的
？Google了一下， 说是等发行的债券付完了就没有或减少Mello Roos了， 但问题是一
个普通购房者很难知道要到什么时候付完债券， Agent也未必知道吧？ |
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a***s
发帖数: 5417 | 17 mello roos will certainly decrease the price of the house. So the market
price for the house with high MR is lower than those houses with low MR.
Whether you want to pay more to Mello Roo, or you want to pay more on
mortgage, that's equal to a question whether you want to use the money in
your left pocket or your right pocket.
For example, if Zhangsan buys a 4s new house with $500/month MR, that's more
than 3000sqft. If Lisi buy a same size house in penasquitos, it costs at
least 100k more on p... 阅读全帖 |
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l*********e
发帖数: 231 | 18 听说MELLO ROO一般都要付30年，如果买的是旧房子（例如10年），之前的OWNER已经付
了10年MELLO ROO，新买主还需要继续付30年么？还是可以20年呢？ |
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c*****v
发帖数: 108 | 20 CV 的Mello-Roos 只有Pacific Highland 比较高， CV的HOA 除了Condo 比较高外，
那些Gate community 的HOA 也比较高。
CV 的供水公司和 4S Ranch 的供水公司是不同的公司， 4S Ranch 水的Base fee 和
Sewer fee 是在Mello-Roos 或者HOA里。 平常的每月水费CV 要比 4S 高很多。 |
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c*****v
发帖数: 108 | 21 CV 的Mello-Roos 只有Pacific Highland 比较高， CV的HOA 除了Condo 比较高外，
那些Gate community 的HOA 也比较高。
CV 的供水公司和 4S Ranch 的供水公司是不同的公司， 4S Ranch 水的Base fee 和
Sewer fee 是在Mello-Roos 或者HOA里。 平常的每月水费的账单CV 要比 4S 高很多。 |
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x***o
发帖数: 127 | 25 有两个Mello Roos：
第一个今年收$2800，以后每年增加2%,至少还要收18年，几乎注定延长到收到30年后。
结果算了算prepayment，相当于一付完6年半的钱，之后就不用管了。打算住至少五年
以上，直接付了。
第二个今年收$1700，以后每年增加2%,至少还要收35年，估计要延长到收40年后。付了
钱要求计算prepayment.结果连个prepayment number都不给，然后来了这一段：
Notwithstanding the foregoing, no prepayment will be allowed unless the
amount of Annual Special Taxes that may be levied on Taxable Property, net
of Administrative Expenses, shall be at least 1.1 times the regularly
scheduled annual interest and principal payments on all currently
outstandi... 阅读全帖 |
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a*****m
发帖数: 1010 | 26 yes you can because mello roos is paid as part of property tax |
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I**t
发帖数: 521 | 27 谢谢。我收到的是分开的账单，mello roos一份，property tax一份。这样也可以一起
报吗？ |
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l***r
发帖数: 736 | 29 不是跟地产税的账单一起来么？ 地产税怎么付，Mello Roos同理。 |
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B******1
发帖数: 9094 | 30 Every half year you will pay half of the property tax you own and Mello Roos
would be part of the same bill. Do not worry. SD county needs every cents
from its residents. It will send you a bill soon. |
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y****i
发帖数: 17878 | 31 IRS goes after you if you get audited. you are the one who signed the return
, and you are the one who owe taxes
CPA may pay penalties & interests IF there is such explicit guarantee in
writing, so read your contract carefully
since you already know mello roos usually are not deductible, you are taking
your chances, your CPA is taking hers, as a matter of fact, almost everyone
does that. why? because the chance to get caught is slim, and greed is
human nature
my CPA, not me. With the contract I |
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s**********s
发帖数: 324 | 32 So is laziness. I'd rather be less greedy to pay for a CPA than do the
shitty details and hence not to take the responsibility myself. Is that clear enough for you?
Sounds you know for sure how my Mello Roos district spend the tax so that it is not qualified for the
deduction. Do a research first before you point to that "slim chance".
deli (babe) 的大作中提到: 】
... and greed is human nature |
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B******1
发帖数: 9094 | 33 I heard the following story:
At an elementary school in 4S Ranch area, a suggested school supplies list
for each grade was posted at the school web site before the start of the new
semester and such info was sent to parents of the students ahead of time.
However, at the start of the school, a lot of Chinese parents sent their
kids to this elementary school without any new school supplies. They argued
that since they already paid their due for child education through the high
mello roo tax on t |
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c******g
发帖数: 4460 | 34 我觉得还是可能有的。但是要查一下具体条款。Mello Roos是应该明文规定使用在哪里
的。具体的我不记得。我觉得这些家长如果想这么干应该是查过条款的。
new
argued
high
other |
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i********6
发帖数: 4766 | 35 Mello Roos are included in your property tax bill, but not part of property tax. So technically you can't deduct the whole property tax bill amount as itemized. |
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d*********r
发帖数: 227 | 36 高Mello Roos会抑制房价,一个月1千多地税拍出去,还是挺吓人的.而且无穷无尽...就算
mortage 交清了也得接着拍.... 怪不得老美退休了都得down size...
最近的新房的升值潜力我都不看好. Torrey highland那片03年前后的房子最近在跳水,
就是一个hint.
4S ranch的新房还是有不怕死的老中往里冲.那边2-3年新的town house已经跌成屎了.
Single family 可能还能死撑一阵子.
欢迎版上的几位专业人士讨论讨论 |
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i********6
发帖数: 4766 | 37 personally i quite don't get those "first hand new" addiction. compared with
paying $500+ monthly on mello roos, i won't mind taking a nice location n-
hand good quality house and spend those $$ on remodling. |
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y****i
发帖数: 17878 | 38 search by parcel number, then call the phone number listed for each Mello-
Roos district
http://www2.sdcounty.ca.gov/pts/fcsasearch.asp
you have the option to pay off the MRs early to save on interest, because
they are essentially bonds. |
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d******t
发帖数: 1242 | 39 20 年。我甚至看到过有的seller的incentives是帮buyer付x年的mello-roos。
不同的bond有不同的年限，tax record 上会列出各个bond的联系电话，你可以挨个去
问，看还要付多久。 |
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M*******8
发帖数: 85 | 40 在San Diego， 买房子是不是要付 Property Taxes 和 Mello-Roos fee ？ 对了， 还
要付HOA？
这几项加起来， 是不是每年都得付个上万刀？ |
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m*****m
发帖数: 242 | 42 Del Sur 的HOA 和Mello Roos， 比 4s Ranch 的 高多少？
感觉好像Del Sur的绿化更好点？
Del Sur 的小学怎么样？
谢谢 |
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a*****0
发帖数: 660 | 44 新房子的话都差不多，而且你要考虑每年的地税也多交很多，因为本身房价就高，类似
double 了mello roos,而且是forever until you sale the house. |
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a*****0
发帖数: 660 | 45 新房子的话都差不多，而且你要考虑每年的地税也多交很多，因为本身房价就高，类似
double 了mello roos,而且是forever until you sale the house. |
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c*****v
发帖数: 108 | 46 http://www.luxuryhomesofcarmelvalley.com/
click above link, then click neighborhood's name.
里面包含建房时的HOA和Mello Roos信息。
neighborhood 包括：
Alta Mar ~ Amador ~ Antares ~ Arabella ~ Bayshore ~ Belmont ~ Bordeaux ~
Bougainvillea ~ Breakers ~ Cantamar ~ Carmel Village ~ Carriage Run
Costa Del Sol ~ Cove ~ Creek Park ~ Del Mar Bluffs ~ Del Mar Place ~ Derby
Hill ~ Derby Point ~ Duck Pond Ranch ~ Estates ~ Gables ~ Granada Greenbrier
~ Heights ~ Hunt Club ~ Huntington Heights ~ La Strada ~ Lexington ~
Lex... 阅读全帖 |
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r****t
发帖数: 10904 | 50 redfin 图标好像搞错le 这个是 condominium
Roos |
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