k*j
发帖数: 2317 | 1 房屋保险呢？home insurance?
这些利息什么的，需要什么证明么？找贷款银行要？ | t**s
发帖数: 6972 | | b*d
发帖数: 9308 | 3 房屋保险不可以抵税的。
【在 k*j 的大作中提到】
: 房屋保险呢？home insurance?
: 这些利息什么的，需要什么证明么？找贷款银行要？
| N**s
发帖数: 1916 | 4 看来这里都是有钱人。收入达多少以上房屋保险才不行。建议搂住不管挣多少都报抵，
被揪出来了拉倒。 | s*******1
发帖数: 3820 | 5 房屋保险和Hoa都不能报税的
【在 N**s 的大作中提到】
: 看来这里都是有钱人。收入达多少以上房屋保险才不行。建议搂住不管挣多少都报抵，
: 被揪出来了拉倒。
| M**********n
发帖数: 432 | 6 PMI只有在你的收入少于某个级别才能抵税.
【在 k*j 的大作中提到】
: 房屋保险呢？home insurance?
: 这些利息什么的，需要什么证明么？找贷款银行要？
| s***g
发帖数: 820 | | b*d
发帖数: 9308 | 8 PMI是Private Mortgage Insurance，你的Down Pay在20%以下的时候，Lender要求你有
PMI以保证他们的利益。
【在 s***g 的大作中提到】
: what is PMI?
| b**********a
发帖数: 41 | | s*******1
发帖数: 3820 | 10 no, pmi都可以报税的,hoa和home insurance不可以报
【在 M**********n 的大作中提到】
: PMI只有在你的收入少于某个级别才能抵税.
| M**********n
发帖数: 432 | 11 You are wrong! Did you read the tax code?
If your adjusted gross income is above $109,000, you get no PMI deduction
whatsoever.
Here is some information for you.
Purpose
# Mortgage lenders usually require the purchase of private mortgage
insurance if you aren't able to make a sizable down payment on the home you
want to buy, usually 20 percent, but in some cases less. Lenders tend to
view such people as higher-risk, and the PMI protects the lender in the
event you quit making your monthly payments. If that happens, the insurance
company steps in and pays the lender. You pay the premiums as part of your
monthly mortgage payment; the premiums continue until the amount you owe on
the mortgage is no more than 80 percent of the value of your home.
Qualifications
# The federal tax code allows you to deduct premiums for PMI on mortgages
you took out in 2007 and beyond. It's up to Congress whether to extend the
break from year to year, and as of 2010, the PMI deduction had been extended
through the 2011 tax year. To qualify for the PMI deduction, the mortgage
must be secured by your home, and it must have been taken out to buy, build
or "substantially improve" your home. PMI for mortgages on your primary
residence and one second home qualify for the deduction.
Limits
# The IRS places no dollar limit on the deductible amount of PMI premiums.
However, your deduction is subject to an income test. If your adjusted gross
income is less than $100,000, your deduction is unlimited. But for every $1
,000 -- or portion of $1,000 -- above $100,000, you must reduce your
deduction by 10 percent. If your adjusted gross income is above $109,000,
you get no PMI deduction whatsoever.
【在 s*******1 的大作中提到】
: no, pmi都可以报税的,hoa和home insurance不可以报
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