kissmalleye
买房morgate interest&property tax免税，贷款points和transfer tax呢？
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2007-04-11 13:30:00
常识是：买房morgate interest&property tax免税，
请问，那么贷款points和transfer tax呢？
1040只提到points可以免税，但是没有具体定义points.
broker origination fee, lender origination fee?
transfer tax呢？这个是什么
When I used turbo tax, i were asked to input points by tax software. but I don't know the exact rule/caculation of this.
Transfer tax, in our state , both buyer and seller need to pay 1%of the final sale price of the house. But I researched over internet and find nowhere in tax software to enter this big amount of money. In chinese, it's 过户费. Say you will be the owner of the title of the house.
thank you very much! 给你10块钱
broker origination fee (1%) 和 lender origination fee都算 points 吗？
谢谢各位。
I paid alot broker origination fee (1.5%) and lender origination fee (1%)
看来都没戏啦，哈哈。
好在老子有的是钱
please download Publication 17 from IRS
the definition of "points" is P145
You cannot deduct "broker origination fee " and "lender origination fee" and " transfer tax", please check P143 and P144.
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Disclaimer ---
Any specific questions should be directed to your tax professional.
以上意见纯属个人观点, 贪玩而已. 话一出口, 概不负责.
如果你对我的回答有质疑, 请到下列网站找正确答案---
税 --->IRS , 一切以publication为准,
投资常识 ---> SEC , NASD,
投资数据 --> Morningstar,
保险 ---> 各州insurance department,
Financial planning ---> CFP
我不推荐投资公司的出版物. 此外, 每家公司有不同的compliance标准, 过往的经验不代表现在的经历. 在patriot act实行以后, 有些表格和条款是必须的…
the definition of "points" is P145 mentioned about loan origination fee,
请问 loan orgination fee 和 "broker origination fee " and "lender origination fee" 有什么区别，
"broker origination fee " and "lender origination fee" 不能deduct，是因为他们属于service fees, 不是for secure the loan的，是吗？
实在抱歉各位，我琢磨了半天也不知道怎么给你们金钱表示表示。
[此贴子已经被作者于2007-4-11 15:44:08编辑过]
MY god, that's a lot. For me, There was only $500 loan origination fee. and 1% transfer tax
you are lucky. your loan orgination fee is deductable.
I didn't pay transfer tax, however.
各有得失.
呵呵。
对了，其他网站上的朋友说，lender origination fee 就是 loan origination fee. 是deductable的。我于是更加糊涂.....
Sorry, I am a bit busy at work...
Sometimes lenders like to creat different names on the fees. I am not
sure if " Lender origination fee " is the same as "loan origination
fee" or some other calculations...
The quickiest way to find out how much points you paid is a statement you should have received from your lender. It is Form 1098 Mortgage Interest Statement. The statement for you is "copy B for payer" (A goes to IRS, C goes to lender..)
On this statement , box 1 is the mortgage insterest. box 2 is "points paid on purchase oof principal residence" . This is the number(and the correct number ) you will be able to claim ...
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the publications you might need to check out are Pub 936 and Pub 505. Topic 504.
你推荐的publications 都好长啊。刚刚才看完。谢谢了！
到底了
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