g*********s
发帖数: 1782 | 1 又欠了IRS几千块，想算算买房到底能省多少税。
现在想基于去年的实际收入数据，再假设1/1号买了50w或80w的房子，dp都是20%，利率
分别5%和5.25%，计算一下这样能省多少税。
mortgage好像比较简单，找个计算器就可以搞定。但地产税怎么算？和邮编有关吗？是
看county还是具体到city啊？ |
m*******i
发帖数: 8711 | |
y**i
发帖数: 1471 | 3 should be by county. collected by county. |
g*********s
发帖数: 1782 | 4 hit了。
【在 m*******i 的大作中提到】
: 你hit AMT嘛？
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g*********s
发帖数: 1782 | 5 95131 or 94086, which county? both Santa Clara? No extra tax from the city?
【在 y**i 的大作中提到】
: should be by county. collected by county.
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m*******i
发帖数: 8711 | 6 then forget 地产税。
【在 g*********s 的大作中提到】
: hit了。
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y**i
发帖数: 1471 | 7 不过有人说san ramon的新房子比旧房子地税高，因为新学校费用。。。谁知道这个是
不是真的？ |
g*********s
发帖数: 1782 | 8 For my imaginary 50w/80w house, how much property tax I should pay per year,
assuming price stable? 1.25%?
【在 m*******i 的大作中提到】
: then forget 地产税。
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y**i
发帖数: 1471 | 9
i think there is, but only a very small portion.
【在 g*********s 的大作中提到】
: 95131 or 94086, which county? both Santa Clara? No extra tax from the city?
|
m*******i
发帖数: 8711 | 10 mello roos? It is very possible for master planed communities.
【在 y**i 的大作中提到】
: 不过有人说san ramon的新房子比旧房子地税高，因为新学校费用。。。谁知道这个是
: 不是真的？
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g*********s
发帖数: 1782 | 11 Really? Isn't prop13 for avoidance of such situation?
【在 y**i 的大作中提到】
: 不过有人说san ramon的新房子比旧房子地税高，因为新学校费用。。。谁知道这个是
: 不是真的？
|
m*******i
发帖数: 8711 | 12 about right.
year,
【在 g*********s 的大作中提到】
: For my imaginary 50w/80w house, how much property tax I should pay per year,
: assuming price stable? 1.25%?
|
y**i
发帖数: 1471 | 13
what about mortgage interest?
【在 m*******i 的大作中提到】
: then forget 地产税。
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y**i
发帖数: 1471 | 14
year,
that shall be very close. go to county website and just input any address,
you'll see. better to input a recently sold property...
【在 g*********s 的大作中提到】
: For my imaginary 50w/80w house, how much property tax I should pay per year,
: assuming price stable? 1.25%?
|
m*******i
发帖数: 8711 | 15 In general, it is deductible.
【在 y**i 的大作中提到】
:
: year,
: that shall be very close. go to county website and just input any address,
: you'll see. better to input a recently sold property...
|
y**i
发帖数: 1471 | 16
don't know. i was checking out the new house community, i was told property
tax to be around 1.7%, friends say that older houses charge less....
【在 g*********s 的大作中提到】
: Really? Isn't prop13 for avoidance of such situation?
|
m*******i
发帖数: 8711 | 17 Mello Roos.
property
【在 y**i 的大作中提到】
:
: don't know. i was checking out the new house community, i was told property
: tax to be around 1.7%, friends say that older houses charge less....
|
g*********s
发帖数: 1782 | 18 Sigh, we are not qualified with the credit.
If we take the fake 50w house with 20% dp and 5% rate, The 2009 interests
are 18,221.80, which may save 7.2k tax, assuming 40% tax in Fed and state.
But there's prop tax of 50w*1.25% = 6.25k. So the benefits are only 1k.
So the tax benefit to us is not impressive at all.
【在 m*******i 的大作中提到】
: about right.
:
: year,
|
m*******i
发帖数: 8711 | 19 can you rent the same house for $1500/month?
【在 g*********s 的大作中提到】
: Sigh, we are not qualified with the credit.
: If we take the fake 50w house with 20% dp and 5% rate, The 2009 interests
: are 18,221.80, which may save 7.2k tax, assuming 40% tax in Fed and state.
: But there's prop tax of 50w*1.25% = 6.25k. So the benefits are only 1k.
: So the tax benefit to us is not impressive at all.
|
g*********s
发帖数: 1782 | 20 i dunno 50w can buy what kind of house.
For 95131, it seems 25w can get one REO 1-1 condo. But rent in that area is
also low, and there's HOA.
【在 m*******i 的大作中提到】
: can you rent the same house for $1500/month?
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y**i
发帖数: 1471 | 21
thanks...
The Mello-Roos Community Facilities Act of 1982
The Act allows any county, city, special district, school district or joint
powers authority to
establish a Mello-Roos Community Facilities District (a “CFD”) which
allows for financing of
public improvements and services. The services and improvements that Mello-
Roos CFDs
can finance include streets, sewer systems and other basic infrastructure,
police protection,
fire protection, ambulance services, schools, parks, libraries, museums
【在 m*******i 的大作中提到】
: Mello Roos.
:
: property
|
m*******i
发帖数: 8711 | 22 where is 95131?
is
【在 g*********s 的大作中提到】
: i dunno 50w can buy what kind of house.
: For 95131, it seems 25w can get one REO 1-1 condo. But rent in that area is
: also low, and there's HOA.
|
g*********s
发帖数: 1782 | 23 north valley, 880/golf course/costco/ranch99.
【在 m*******i 的大作中提到】
: where is 95131?
:
: is
|
a**n
发帖数: 2431 | 24 I think the property tax itself is also tax deductible
, which will save u another 6.25 * 40% ...
【在 g*********s 的大作中提到】
: Sigh, we are not qualified with the credit.
: If we take the fake 50w house with 20% dp and 5% rate, The 2009 interests
: are 18,221.80, which may save 7.2k tax, assuming 40% tax in Fed and state.
: But there's prop tax of 50w*1.25% = 6.25k. So the benefits are only 1k.
: So the tax benefit to us is not impressive at all.
|
g*********s
发帖数: 1782 | 25 no, we hit amt.
【在 a**n 的大作中提到】
: I think the property tax itself is also tax deductible
: , which will save u another 6.25 * 40% ...
|
a**n
发帖数: 2431 | 26 hehe
【在 g*********s 的大作中提到】
: no, we hit amt.
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y**i
发帖数: 1471 | 27 hitting amt and buying a 50w house don't mmake too much sense to me...maybe
the 80w make more sense?
without a house, man! near half of your salary go to the fed and state....am
i getting this right? renting? |
y**i
发帖数: 1471 | 28 this is not making sense |
m*******i
发帖数: 8711 | 29 either pay to the fed or pay to the bank, same rough deal, dude.
maybe
am
【在 y**i 的大作中提到】
: hitting amt and buying a 50w house don't mmake too much sense to me...maybe
: the 80w make more sense?
: without a house, man! near half of your salary go to the fed and state....am
: i getting this right? renting?
|
g*********s
发帖数: 1782 | 30 80w, then prop tax up too.
Now the interests are around 30k, then tax saving is 30k*0.4 = 12k.
But 80w*1.25% = 10k. So the diff is 2k.
In addition, 16w cash was thrown in, and I do think the higher the house
price, the less the room of going up is because of the affordability. So the
appreciation is limited, and the opportunity cost is lost.
maybe
am
【在 y**i 的大作中提到】
: hitting amt and buying a 50w house don't mmake too much sense to me...maybe
: the 80w make more sense?
: without a house, man! near half of your salary go to the fed and state....am
: i getting this right? renting?
|
|
|
y**i
发帖数: 1471 | 31
r u kidding? these are not the same deals!
【在 m*******i 的大作中提到】
: either pay to the fed or pay to the bank, same rough deal, dude.
:
: maybe
: am
|
g*********s
发帖数: 1782 | 32 Bank needs to pay biz tax to Fed.
So I think eventually, it's still IRS who gets you.
【在 m*******i 的大作中提到】
: either pay to the fed or pay to the bank, same rough deal, dude.
:
: maybe
: am
|
m*******i
发帖数: 8711 | 33 u assume big house appreciation.
Otherwise owning a house is more expensive than renting.
【在 y**i 的大作中提到】
:
: r u kidding? these are not the same deals!
|
g*********s
发帖数: 1782 | 34 BTW, if the prop tax is 1.7%, actually you will pay more tax in total:
80w*.17% = 13.6k.
the
【在 g*********s 的大作中提到】
: 80w, then prop tax up too.
: Now the interests are around 30k, then tax saving is 30k*0.4 = 12k.
: But 80w*1.25% = 10k. So the diff is 2k.
: In addition, 16w cash was thrown in, and I do think the higher the house
: price, the less the room of going up is because of the affordability. So the
: appreciation is limited, and the opportunity cost is lost.
:
: maybe
: am
|
f*****i
发帖数: 3558 | 35 but you still need to pay 60% interests ya, which will be bigger than your
tax saving... And I think rent will be less than the total amount of house
expense... so are you betting on house appreciation?
the
【在 g*********s 的大作中提到】
: 80w, then prop tax up too.
: Now the interests are around 30k, then tax saving is 30k*0.4 = 12k.
: But 80w*1.25% = 10k. So the diff is 2k.
: In addition, 16w cash was thrown in, and I do think the higher the house
: price, the less the room of going up is because of the affordability. So the
: appreciation is limited, and the opportunity cost is lost.
:
: maybe
: am
|
Q**J
发帖数: 23283 | |
y**i
发帖数: 1471 | 37
well even for 0 appreciation.
owning may be a little more expensive, but only for the short term, rent
will eventually increase...when the two lines cross, renting will lose...now
add the appreciation to it.
【在 m*******i 的大作中提到】
: u assume big house appreciation.
: Otherwise owning a house is more expensive than renting.
|
m*******i
发帖数: 8711 | 38 haven't happen in bay area for last 20 years.
now
【在 y**i 的大作中提到】
:
: well even for 0 appreciation.
: owning may be a little more expensive, but only for the short term, rent
: will eventually increase...when the two lines cross, renting will lose...now
: add the appreciation to it.
|
y**i
发帖数: 1471 | 39
do you mean these two lines didn't cross for 20 years?
you're so wrong.
【在 m*******i 的大作中提到】
: haven't happen in bay area for last 20 years.
:
: now
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n******h
发帖数: 2482 | 40 Rent will increase ... indeed. I think it's safe to bet the government
will continue to pay all expenses, rent included, for all the jobless.
Last time I heard, the U-6 unemployment is 18%, and counting.
lose...now
【在 y**i 的大作中提到】
:
: do you mean these two lines didn't cross for 20 years?
: you're so wrong.
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s****2
发帖数: 4569 | 41 you can drive a $1W car to SF, you also can drive a $4w car to SF, feeling
may be different?
Also different feeling for live in an apt/house? |
