b******s 发帖数: 345 | 1 买房后就没钱装修了:)请问大家装修能贷款吗?买房贷款和装修贷款哪个利率更低些
呢?
谢谢! |
c****o 发帖数: 32446 | |
a*****0 发帖数: 3319 | 3 买房申请loan时,可以顺便申请HELOC, 这样房子到手后,可以马上装修,以免搬进后
再装修,灰尘大不说,生活也不方便。HELOC的利率一开始和房贷差不多,但6个月后是
浮动的,一般会比房贷高些。 |
b******s 发帖数: 345 | 4 谢谢!
【在 c****o 的大作中提到】 : HELOC
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b******s 发帖数: 345 | 5 买房全款,然后再单独申请HELOC,这样可行吗?打算房子买下后赶快装修,觉得这样
操作,房子close得会快些,可以尽早装修,尽早搬家。
【在 a*****0 的大作中提到】 : 买房申请loan时,可以顺便申请HELOC, 这样房子到手后,可以马上装修,以免搬进后 : 再装修,灰尘大不说,生活也不方便。HELOC的利率一开始和房贷差不多,但6个月后是 : 浮动的,一般会比房贷高些。
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a*****0 发帖数: 3319 | 6 你是指买房全现金?那你现在就要申请了。如果房子买下后再申请HELOC, 会慢些。
HELOC一般也要一个月时间。
【在 b******s 的大作中提到】 : 买房全款,然后再单独申请HELOC,这样可行吗?打算房子买下后赶快装修,觉得这样 : 操作,房子close得会快些,可以尽早装修,尽早搬家。
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w*****m 发帖数: 20421 | 7 全款买了房,又去贷款装修,这是摆阔啊还是砸的
贷款买房的利息可以省税,HELOC的利息不能省税 |
a*****0 发帖数: 3319 | 8 Up to $100,000 of the HELOC loan is tax deductible ($50,000 if filing as
married filing separately).
【在 w*****m 的大作中提到】 : 全款买了房,又去贷款装修,这是摆阔啊还是砸的 : 贷款买房的利息可以省税,HELOC的利息不能省税
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w*****m 发帖数: 20421 | 9 哪里的条款,MORTGAGE INTEREST DEDUCTION也从来没敢说LOAN IS TAX DEDUCTIBLE
【在 a*****0 的大作中提到】 : Up to $100,000 of the HELOC loan is tax deductible ($50,000 if filing as : married filing separately).
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a*****0 发帖数: 3319 | 10 The following is fromIRS web site. Somehow my link does not work.
Real Estate (Taxes, Mortgage Interest, Points, Other Property Expenses)
Question: Is interest on a home equity line of credit deductible as a second
mortgage?
Answer:
You may deduct home equity debt interest as an itemized deduction, if all
the following conditions apply:
You pay the interest in the tax year
The debt is secured with your home
The home equity debt is limited to the fair market value of the home
reduced by home acquisition debt, up to a total of $100,000 ($50,000 if
filing as married filing separately).
Additional Information:
Tax Topic 505, Interest Expense
Publication 936, Home Mortgage Interest Deduction
Category: Itemized Deductions, Standard Deductions
Subcategory: Real Estate (Taxes, Mortgage Interest, Points, Other Property
Expenses)
【在 w*****m 的大作中提到】 : 哪里的条款,MORTGAGE INTEREST DEDUCTION也从来没敢说LOAN IS TAX DEDUCTIBLE
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w*****m 发帖数: 20421 | 11 摆脱最多是LOAN的INTEREST DEDUCTIABLE好不好
【在 a*****0 的大作中提到】 : The following is fromIRS web site. Somehow my link does not work. : Real Estate (Taxes, Mortgage Interest, Points, Other Property Expenses) : Question: Is interest on a home equity line of credit deductible as a second : mortgage? : Answer: : You may deduct home equity debt interest as an itemized deduction, if all : the following conditions apply: : You pay the interest in the tax year : The debt is secured with your home : The home equity debt is limited to the fair market value of the home
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a*****0 发帖数: 3319 | 12 mortgage 和HELOC interest 都可以省税, 但后者有limit.
【在 w*****m 的大作中提到】 : 摆脱最多是LOAN的INTEREST DEDUCTIABLE好不好
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w*****m 发帖数: 20421 | 13 人是CASH买房,估计没啥收入,DEDUCT也没啥可抵的
说了也是白说,估计人没INCOME,国内富二代摆阔来的 |
b******s 发帖数: 345 | 14 谢谢信息.
【在 a*****0 的大作中提到】 : 你是指买房全现金?那你现在就要申请了。如果房子买下后再申请HELOC, 会慢些。 : HELOC一般也要一个月时间。
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b******s 发帖数: 345 | 15 想着早点close,早装修。这边的房子不贵,要求不高地话:)
【在 w*****m 的大作中提到】 : 全款买了房,又去贷款装修,这是摆阔啊还是砸的 : 贷款买房的利息可以省税,HELOC的利息不能省税
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b******s 发帖数: 345 | 16 呵呵,还富二代呢,高看了,高看了:)
【在 w*****m 的大作中提到】 : 人是CASH买房,估计没啥收入,DEDUCT也没啥可抵的 : 说了也是白说,估计人没INCOME,国内富二代摆阔来的
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