h*********d
发帖数: 1054 | 1 我的理解,好处是万一foreclose, 另外一个人的credit 没有损失?
这样,两个人都能claim mortgage interest deduction吗? 分开报税也能claim吗?
有什么坏处?
多谢 |
a******o
发帖数: 16625 | 2 credit只和loan有关系，和title没关系。
夫妻买房算community asset，写不写title，离婚时候都要平分的。
【在 h*********d 的大作中提到】
: 我的理解,好处是万一foreclose, 另外一个人的credit 没有损失?
: 这样,两个人都能claim mortgage interest deduction吗? 分开报税也能claim吗?
: 有什么坏处?
: 多谢
|
i******s
发帖数: 8734 | 3 在ca,title 上必须是夫妻2 个
foreclose 和title 有关希吗? 只是贷款的那个人有影响吧 ?
【在 h*********d 的大作中提到】
: 我的理解,好处是万一foreclose, 另外一个人的credit 没有损失?
: 这样,两个人都能claim mortgage interest deduction吗? 分开报税也能claim吗?
: 有什么坏处?
: 多谢
|
t***s
发帖数: 4666 | 4 not true.
【在 i******s 的大作中提到】
: 在ca,title 上必须是夫妻2 个
: foreclose 和title 有关希吗? 只是贷款的那个人有影响吧 ?
|
h*********d
发帖数: 1054 | 5 不在titile上,能不能claim interest deduction?
谢谢 |
i*********n
发帖数: 610 | 6 可以。
【在 h*********d 的大作中提到】
: 不在titile上,能不能claim interest deduction?
: 谢谢
|
D********g
发帖数: 157 | 7 好像如果要贷款的话 一定要写两个人的名字 除非你all cash |
y*****s
发帖数: 1841 | 8 not true, loan requires to check the credit history of all the names on the
title. If your name is on the title, and
you credit is not good, the lender could reject your loan application. So
sometimes the buyer only put one
name on the title to avoid loan problem.
【在 D********g 的大作中提到】
: 好像如果要贷款的话 一定要写两个人的名字 除非你all cash
|
t*****9
发帖数: 10416 | |
G*****m
发帖数: 5395 | 10 this is not true, for my case
loan under my name and only my credit was checked, both names on title
the
【在 y*****s 的大作中提到】
: not true, loan requires to check the credit history of all the names on the
: title. If your name is on the title, and
: you credit is not good, the lender could reject your loan application. So
: sometimes the buyer only put one
: name on the title to avoid loan problem.
|
|
|
a*****e
发帖数: 911 | 11 second this
【在 G*****m 的大作中提到】
: this is not true, for my case
: loan under my name and only my credit was checked, both names on title
:
: the
|
y*****s
发帖数: 1841 | 12 depends on the lender I guess. PF has the requirement to check credits on
all of the names on the title.
【在 a*****e 的大作中提到】
: second this
|
e*******r
发帖数: 1433 | 13 如果一方愿意，写一份Interspousal Transfer Deed，把title自愿放弃，那就title上
只有一个人了。 |
a*****e
发帖数: 911 | 14 PF has the lowest rate, so it requires AAA profile. One pays for what one
can get.
【在 y*****s 的大作中提到】
: depends on the lender I guess. PF has the requirement to check credits on
: all of the names on the title.
|
h*********d
发帖数: 1054 | 15 what does PF mean?
Thanks |
a*****e
发帖数: 911 | 16 Provident Funding
【在 h*********d 的大作中提到】
: what does PF mean?
: Thanks
|
h*********d
发帖数: 1054 | 17 Can I contact Provident Funding directly?
It seems they do not provide loan service in Nevada. |
s*****c
发帖数: 550 | 18 Marital status is going to be needed on your title and mortgage.
They will say "xxx, single woman." |
h*********d
发帖数: 1054 | 19 I just locked the rate with Provident Funding.
Loan amount $165600. Rate is 4.25% with 0.25 point.
Not bad with this small loan amount.
Thanks, adimple.
I recommend PF. And don't need to look for a loan agent. You can save broker
fee. |
b****2
发帖数: 173 | 20 There is tax consequence when you sell the house.
As a single, you have $250K exemption if your house appreciated, if married
couple the exemption goes up to $500K. IRS could challenge whether your
wife stays with you, or the house is jointly owned.
In addition, in the case of your death:
Joint Tenant - the base value of the house does not change, so the
inheritance is subject to a higher tax if the house is later sold (i.e. $
250K exemption above) If you bought the house for $100K, and the ma |
k*1
发帖数: 723 | 21 re
有亲戚做refinance时因为女的没啥信用，先签了放弃title的文件，然后男的再去做的
cpwros公证, 房子06年上市卖的，获利50多万，两口子配合的很默契。
married
,
【在 b****2 的大作中提到】
: There is tax consequence when you sell the house.
: As a single, you have $250K exemption if your house appreciated, if married
: couple the exemption goes up to $500K. IRS could challenge whether your
: wife stays with you, or the house is jointly owned.
: In addition, in the case of your death:
: Joint Tenant - the base value of the house does not change, so the
: inheritance is subject to a higher tax if the house is later sold (i.e. $
: 250K exemption above) If you bought the house for $100K, and the ma
|
