g******o
发帖数: 208 | 1 从银行借钱有困难。
如果问父母借，需要什么document才能算home morgagate?
父母需要给escrow什么instruction吗？ |
b*d
发帖数: 9308 | 2 利息肯定不能抵税了，如果可以的话，大家都找父母借了。
【在 g******o 的大作中提到】
: 从银行借钱有困难。
: 如果问父母借，需要什么document才能算home morgagate?
: 父母需要给escrow什么instruction吗？
|
f****i
发帖数: 20252 | 3 当然可以抵税
但是他父母多了一笔收入
【在 b*d 的大作中提到】
: 利息肯定不能抵税了，如果可以的话，大家都找父母借了。
|
g******o
发帖数: 208 | 4 父母的tax brackets比我低多了
我就是想知道怎么操作，没看到有人讨论过。
【在 f****i 的大作中提到】
: 当然可以抵税
: 但是他父母多了一笔收入
|
i****y
发帖数: 5184 | 5 可以，需要做房屋抵押贷款证明，但是这个过程一般会花你好几千。
完了之后，利息成为父母收入，但是可以作为你们的mortgage interest deduction
【在 g******o 的大作中提到】
: 从银行借钱有困难。
: 如果问父母借，需要什么document才能算home morgagate?
: 父母需要给escrow什么instruction吗？
|
i******e
发帖数: 1720 | 6 自己父母，不用房屋抵押贷款证明那么复杂吧，除非父母怕你不还钱，那自己写个
promissory note 好了。
Form 1040 schedule A 就有一项， 如果跟个人贷款，要提供债权人的social
security number. 自己deduct interest, 债权人报利息收入就是了。
楼主查一下tax code 吧，要不就问会计师。
【在 i****y 的大作中提到】
: 可以，需要做房屋抵押贷款证明，但是这个过程一般会花你好几千。
: 完了之后，利息成为父母收入，但是可以作为你们的mortgage interest deduction
|
i****y
发帖数: 5184 | 7 not if we are talking about mortgage interest deduction.
The loan has to be "secured" by the qualified property.
【在 i******e 的大作中提到】
: 自己父母，不用房屋抵押贷款证明那么复杂吧，除非父母怕你不还钱，那自己写个
: promissory note 好了。
: Form 1040 schedule A 就有一项， 如果跟个人贷款，要提供债权人的social
: security number. 自己deduct interest, 债权人报利息收入就是了。
: 楼主查一下tax code 吧，要不就问会计师。
|
i******e
发帖数: 1720 | 8 那自己些promissory note "secured" by the qualified property, 可行吗？
写上不还钱，房屋归父母，再加notary?
【在 i****y 的大作中提到】
: not if we are talking about mortgage interest deduction.
: The loan has to be "secured" by the qualified property.
|
i****y
发帖数: 5184 | 9 Treas. Reg. § 1.163-10T(o)(1): Secured debt is
(1) Debt specifically secured by the debtor’s interest in the qualified
residence,
(2) Which, if defaulted, would be subject to satisfaction, and
(3) Is recorded or otherwise perfected under state law.
(3) requires more than a promissory note, and that's the most expensive to
satisfy.
【在 i******e 的大作中提到】
: 那自己些promissory note "secured" by the qualified property, 可行吗？
: 写上不还钱，房屋归父母，再加notary?
|
f****i
发帖数: 20252 | 10 （3）如果请人做，当然好几千
【在 i****y 的大作中提到】
: Treas. Reg. § 1.163-10T(o)(1): Secured debt is
: (1) Debt specifically secured by the debtor’s interest in the qualified
: residence,
: (2) Which, if defaulted, would be subject to satisfaction, and
: (3) Is recorded or otherwise perfected under state law.
: (3) requires more than a promissory note, and that's the most expensive to
: satisfy.
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|
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i******e
发帖数: 1720 | 11 最主要是跟county Record嘛，好象几十刀吧。就算找lawyer起草loan contract, 也不
用几千刀吧。
我曾经自己改过房子的title, 因为想从joint tenancy 改到community property with
right of surviviorship. refi 时，title company居然messed up 了，怕耽误
funding. 要close之后再做，然后又要加收 二百。一怒，自己做。 网上找个
template, 再参考现有的Grand Deed, Word processing 一下，notarized, 送到county record, 搞定。
【在 f****i 的大作中提到】
: （3）如果请人做，当然好几千
|
i****y
发帖数: 5184 | 12 Again, we are not talking about recording the ownership here.
But by the way, can you share the template for changing ownership. I'm
about to do exactly what you did. Thanks!
with
county record, 搞定。
【在 i******e 的大作中提到】
: 最主要是跟county Record嘛，好象几十刀吧。就算找lawyer起草loan contract, 也不
: 用几千刀吧。
: 我曾经自己改过房子的title, 因为想从joint tenancy 改到community property with
: right of surviviorship. refi 时，title company居然messed up 了，怕耽误
: funding. 要close之后再做，然后又要加收 二百。一怒，自己做。 网上找个
: template, 再参考现有的Grand Deed, Word processing 一下，notarized, 送到county record, 搞定。
|
h*******s
发帖数: 3932 | 13 joke of the day?
【在 g******o 的大作中提到】
: 从银行借钱有困难。
: 如果问父母借，需要什么document才能算home morgagate?
: 父母需要给escrow什么instruction吗？
|
i******e
发帖数: 1720 | 14 I remember the one I used was googled from an attorney's website. If I find
it, I'll PM you.
But google it, using keyword "Grand Deed" and your state name. Each state
might have some "rules" about the wording. Also note, some county have very
specific requirement about the margin on the Grant Deed, so the stamp can
be put on properly. So check your county/state's recorder websites for
instruction.
If your current Grand Deed has space to add words, and you have a typewriter
, the easiest way is -
make a copy of your current "Grand Deed",
wipe out the existing XXX grants to YYY, wipe out the date,
wipe the line with transfer tax
cover the top where county stamp is on.
Make another copy,
type the new Grantor and Grantee, date, transfer tax should be "0"
Make a final copy for notarization
It might look ugly, but it is a LEGAL document. I have an ugly grand deed
due to title company's mistake. And another one even have an amendment due
to not meeting county requirement. And they're all made by the title
companies. I don't take these "seriously" anymore as long as my name is
spelled right and the parcel number is right. :)
【在 i****y 的大作中提到】
: Again, we are not talking about recording the ownership here.
: But by the way, can you share the template for changing ownership. I'm
: about to do exactly what you did. Thanks!
:
: with
: county record, 搞定。
|
f****i
发帖数: 20252 | 15 应该是在county放一个lien在房子上，参考现有的贷款就行了
【在 i****y 的大作中提到】
: Again, we are not talking about recording the ownership here.
: But by the way, can you share the template for changing ownership. I'm
: about to do exactly what you did. Thanks!
:
: with
: county record, 搞定。
|
i******e
发帖数: 1720 | 16 ironny, your mail box is full. :)
But here it is -
I got the wording from this attorney's website. it's for Calif, but it's
template is non-workable.
http://www.wwlaw.com/cpsample.htm
I don't remember the template I used, but here I just found another template
from Old Republic title, use the state you're in from left-side.
https://www.ortconline.com/web/resources/California/Documents.aspx
【在 i****y 的大作中提到】
: Again, we are not talking about recording the ownership here.
: But by the way, can you share the template for changing ownership. I'm
: about to do exactly what you did. Thanks!
:
: with
: county record, 搞定。
|
