s*****e
发帖数: 29 | 1 请问如果一年
mortgage payment: 48,000
property tax : 12,000
Houseincome : 200,000 (California)
一年退税能有多少? 谢谢! |
h***e
发帖数: 866 | 2 这个只有自己才算得清楚，btw,跟mortgage payment无关，跟interest paid有关
【在 s*****e 的大作中提到】
: 请问如果一年
: mortgage payment: 48,000
: property tax : 12,000
: Houseincome : 200,000 (California)
: 一年退税能有多少? 谢谢!
|
s*****e
发帖数: 29 | 3 我没有说清楚. My current tax rate is ~33%.
I want to know roughly how much benefit I can get from the mortgage+property
deductible.
If both the mortgage and property tax are deductible, does it mean
one third(i.e. 6w/3 = 2w) or one fourth of it will be returned?
谢谢! |
c********7
发帖数: 739 | 4 要看mortgage 48,000里interest有多少。interest才可以抵税，principal不能抵税。
你不能把整个的mortgage和property tax加起来算
property
【在 s*****e 的大作中提到】
: 我没有说清楚. My current tax rate is ~33%.
: I want to know roughly how much benefit I can get from the mortgage+property
: deductible.
: If both the mortgage and property tax are deductible, does it mean
: one third(i.e. 6w/3 = 2w) or one fourth of it will be returned?
: 谢谢!
|
h*******n
发帖数: 8906 | |
s*****e
发帖数: 29 | 6 谢谢你的回答!
mortgage interest is ~35,000.
so (35,000+12,000) can be deducted from federal income, right?
【在 h***e 的大作中提到】
: 这个只有自己才算得清楚，btw,跟mortgage payment无关，跟interest paid有关
|
B*******S
发帖数: 2379 | 7 install a turbotax and insert numbers, play with it
【在 s*****e 的大作中提到】
: 谢谢你的回答!
: mortgage interest is ~35,000.
: so (35,000+12,000) can be deducted from federal income, right?
|
a**d
发帖数: 4285 | 8 刚查到这个，能分别计算出每年利息和本金，利息就是免税的吧。
http://mortgage-x.com/calculators/amortization.htm
【在 s*****e 的大作中提到】
: 请问如果一年
: mortgage payment: 48,000
: property tax : 12,000
: Houseincome : 200,000 (California)
: 一年退税能有多少? 谢谢!
|
o****n
发帖数: 9475 | 9 看你扣了多少税，利息和property tax那部分不缴州税和联邦税
【在 s*****e 的大作中提到】
: 请问如果一年
: mortgage payment: 48,000
: property tax : 12,000
: Houseincome : 200,000 (California)
: 一年退税能有多少? 谢谢!
|
z*z
发帖数: 1309 | 10 not all of the 47000$ can be deducted as you hoped. given your income and
the $47000 deductible, you will file schedule A, itemized deduction, but on
last line, your income is too high to get full amount deducted, need to fill
in another work sheet to figure it out.
Also, this type of high deductible will almost surely trigger AMT, also, not
full $47000 can be deducted.
【在 s*****e 的大作中提到】
: 谢谢你的回答!
: mortgage interest is ~35,000.
: so (35,000+12,000) can be deducted from federal income, right?
|
|
|
s*******i
发帖数: 163 | 11 最简单的情况下， 就是 （35000＋12000）＊33％ ＝15510 左右可以返还给你的钱，
but consider your high income and high deduction, you may calculate it as (
35000＋12000）＊27％
on
fill
not
【在 z*z 的大作中提到】
: not all of the 47000$ can be deducted as you hoped. given your income and
: the $47000 deductible, you will file schedule A, itemized deduction, but on
: last line, your income is too high to get full amount deducted, need to fill
: in another work sheet to figure it out.
: Also, this type of high deductible will almost surely trigger AMT, also, not
: full $47000 can be deducted.
|
k*******y
发帖数: 798 | |
s*****e
发帖数: 29 | 13 谢谢大家帮忙分析, so I can assume the amount of money saved is very close to
the property tax paid. If I decide to buy the house, the monthly payment on
the house shall be ~ (principle+interest+utility fee+insurance) |
s**********d
发帖数: 36899 | 14 弄个软件或者online tool算一算，不要“ass-u-me”。
另外每年interest变少，deduction也就变小，而property
tax只会涨。。。
to
on
【在 s*****e 的大作中提到】
: 谢谢大家帮忙分析, so I can assume the amount of money saved is very close to
: the property tax paid. If I decide to buy the house, the monthly payment on
: the house shall be ~ (principle+interest+utility fee+insurance)
|
s**********d
发帖数: 36899 | 15 $200k 放满两个401(k)就行了。。。
on
fill
not
【在 z*z 的大作中提到】
: not all of the 47000$ can be deducted as you hoped. given your income and
: the $47000 deductible, you will file schedule A, itemized deduction, but on
: last line, your income is too high to get full amount deducted, need to fill
: in another work sheet to figure it out.
: Also, this type of high deductible will almost surely trigger AMT, also, not
: full $47000 can be deducted.
|
c********7
发帖数: 739 | 16 具体能退多少也和收了多少税有关吧。我们今年看w2才发现去年换的新公司平时收得
federal tax就比以前公司少，工资高了，一年下来的联邦税比去年还少几千，也不知
为啥。今年我们就退不了太多税。 |
h***e
发帖数: 866 | 17 建议不要把省下来的税当成property tax收入，省下来的作为房子的维护资金和
emergency fund。我朋友买66w的房子，地税七千多，他说省的税不够付地税，他们家
收入比你们高，一娃。
to
on
【在 s*****e 的大作中提到】
: 谢谢大家帮忙分析, so I can assume the amount of money saved is very close to
: the property tax paid. If I decide to buy the house, the monthly payment on
: the house shall be ~ (principle+interest+utility fee+insurance)
|
h*******n
发帖数: 8906 | 18 amt是针对退税太多而言的，和agi有点关系，但是关系不大
【在 s**********d 的大作中提到】
: $200k 放满两个401(k)就行了。。。
:
: on
: fill
: not
|
s**********d
发帖数: 36899 | 19 预扣比最后稍少一点最好（也就是要报税时付税）。
【在 c********7 的大作中提到】
: 具体能退多少也和收了多少税有关吧。我们今年看w2才发现去年换的新公司平时收得
: federal tax就比以前公司少，工资高了，一年下来的联邦税比去年还少几千，也不知
: 为啥。今年我们就退不了太多税。
|
s*****e
发帖数: 29 | 20
谢谢你的信息, 那你朋友应该很轻松. 很多同学问能撑多贵的房子, I am just one of
them, not quite sure how much house I can afford.
Anyway, thank everybody's input, happy holiday!
【在 h***e 的大作中提到】
: 建议不要把省下来的税当成property tax收入，省下来的作为房子的维护资金和
: emergency fund。我朋友买66w的房子，地税七千多，他说省的税不够付地税，他们家
: 收入比你们高，一娃。
:
: to
: on
|
