p****u
发帖数: 2596 | 1 买了以后，年底报income tax时候，points可以作deduction吗？
谢谢 |
l*******9
发帖数: 518 | 2 这是啥？不懂。Mortgage也看到什么1 point，能抵税吗？ |
o*****p
发帖数: 5952 | 3 买点降利率，可以。
【在 l*******9 的大作中提到】
: 这是啥？不懂。Mortgage也看到什么1 point，能抵税吗？
|
r******d
发帖数: 1879 | 4 YES you can.
【在 p****u 的大作中提到】
: 买了以后，年底报income tax时候，points可以作deduction吗？
: 谢谢
|
n*******9
发帖数: 3244 | 5 here's IRS's guide line for mortgage point deduction:
You can deduct the points in full in the year they are paid, if all the
following requirements are met:
Your loan is secured by your main home (your main home is the one you live
in most of the time).
Paying points is an established business practice in your area.
The points paid were not more than the amount generally charged in that area.
You use the cash method of accounting. This means you report income in the
year you receive it and deduct expenses in the year you pay them.
The points were not paid for items that usually are separately stated on the
settlement sheet such as appraisal fees, inspection fees, title fees,
attorney fees, or property taxes.
The funds you provided at or before closing, plus any points the seller paid
, were at least as much as the points charged. You cannot have borrowed the
funds from your lender or mortgage broker in order to pay the points.
You use your loan to buy or build your main home.
The points were computed as a percentage of the principal amount of the
mortgage, and
The amount is clearly shown as points on your settlement statement.
【在 p****u 的大作中提到】
: 买了以后，年底报income tax时候，points可以作deduction吗？
: 谢谢
|
p****u
发帖数: 2596 | 6 谢谢。１０个包子发完拉
rainhard
newrole09
各5个
area.
the
【在 n*******9 的大作中提到】
: here's IRS's guide line for mortgage point deduction:
: You can deduct the points in full in the year they are paid, if all the
: following requirements are met:
: Your loan is secured by your main home (your main home is the one you live
: in most of the time).
: Paying points is an established business practice in your area.
: The points paid were not more than the amount generally charged in that area.
: You use the cash method of accounting. This means you report income in the
: year you receive it and deduct expenses in the year you pay them.
: The points were not paid for items that usually are separately stated on the
|
s****q
发帖数: 117 | |
a******o
发帖数: 7982 | 8
可以，包子
【在 p****u 的大作中提到】
: 买了以后，年底报income tax时候，points可以作deduction吗？
: 谢谢
|
