t*****y
发帖数: 230 | 1 很多人说30年贷款主要是考虑到可以抵税,不知道能抵多少啊? | v**m
发帖数: 706 | | C*******d
发帖数: 15836 | 3 Not totally right.
If your itemized deduction, which includes mortgage interest, is lower than
your standard deduction, you should not claim it at all. In that sense your
mortgage interest has no tax benefit at all. If your itemized deduction is
larger than your standard deduction, only the extra part of interest
ACTUALLY has tax benefit. As a result, for many people, the tax benefit of
mortgage interest is very limited.
【在 v**m 的大作中提到】
: 全抵。
| m***6
发帖数: 884 | 4 If you do not want to do the actual calculation, just think that the total
financial burden for owning the house is roughly the monthly payment to the
bank.
Because at the current loan rate, what you save from tax deduction ~30% * (
interest+real estate tax) will roughly be the same as what you need to pay
the real estate tax. |
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