n******n
发帖数: 49 | 1 有一个问题 贷款额大于1m还是1.1m，利息就不能抵税了是吗？
还是说有一部分能抵一部分不能？ | k***a
发帖数: 2400 | 2 1m的那部分利息能抵，剩余的不能（prorate）e.g.
You borrowed $800,000 against your primary residence and $400,000 against
your secondary residence. Both loans were used solely to acquire your
residences. The loan amounts add up to $1,200,000. Since your loan amount
exceeds the $1 million limit for home acquisition debt, your mortgage
deduction is limited. Let's say both loans have a fixed interest rate of 6%
and your total interest paid for the year was $72,000. You would only be
able to deduct $60,000, which is the interest on the first $1 million of
home acquisition debt. Use the worksheet on page 9 of Publication 936 to
calculate your allowable mortgage deduction.
The limit is reduced to $500,000 if you are married filing separately. | d****e
发帖数: 768 | 3 这1M是loan开始时的amount呢还是所剩的principle?
%
【在 k***a 的大作中提到】
: 1m的那部分利息能抵，剩余的不能（prorate）e.g.
: You borrowed $800,000 against your primary residence and $400,000 against
: your secondary residence. Both loans were used solely to acquire your
: residences. The loan amounts add up to $1,200,000. Since your loan amount
: exceeds the $1 million limit for home acquisition debt, your mortgage
: deduction is limited. Let's say both loans have a fixed interest rate of 6%
: and your total interest paid for the year was $72,000. You would only be
: able to deduct $60,000, which is the interest on the first $1 million of
: home acquisition debt. Use the worksheet on page 9 of Publication 936 to
: calculate your allowable mortgage deduction.
| k***a
发帖数: 2400 | | j****n
发帖数: 4358 | 5 好像还有如果收入hit AMT, 贷款利息就不能抵税了？
【在 n******n 的大作中提到】
: 有一个问题 贷款额大于1m还是1.1m，利息就不能抵税了是吗？
: 还是说有一部分能抵一部分不能？
| d****e
发帖数: 768 | 6 mortgage interest is not subject to AMT.
【在 j****n 的大作中提到】
: 好像还有如果收入hit AMT, 贷款利息就不能抵税了？
| k***a
发帖数: 2400 | 7 是的。property tax会， 不是interests。
【在 d****e 的大作中提到】
: mortgage interest is not subject to AMT.
| n******n
发帖数: 49 | |
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