这个我查过了，年头年尾算个平均值有规定，似乎不符。至少refi过程中提前还贷一部分不行（超过一个月本金）。 The average of first and last balance method can be used if all of the following apply: You didn't borrow any new amounts on the mortgage during the year. (This doesn't include borrowing the original mortgage amount.) You didn't prepay more than 1 month's principal during the year. (This includes prepayment by refinancing your home or by applying proceeds from its sale.) You had to make level payments at fixed equal intervals on at least a semi-annual basis. You treat your payments as level even if they were adjusted from time to time because of changes in the interest rate.
这个我查过了，年头年尾算个平均值有规定，似乎不符。至少refi过程中提前还贷一部分不行（超过一个月本金）。 The average of first and last balance method can be used if all of the following apply: You didn't borrow any new amounts on the mortgage during the year. (This doesn't include borrowing the original mortgage amount.) You didn't prepay more than 1 month's principal during the year. (This includes prepayment by refinancing your home or by applying proceeds from its sale.) You had to make level payments at fixed equal intervals on at least a semi-annual basis. You treat your payments as level even if they were adjusted from time to time because of changes in the interest rate. 茶花果酱 发表于 2022-03-14 17:48
就是啊，难道这种经常出现的情况都算“灰色地带”，大家随便算的？TT讨论里TT自己的expert回答说irs is more concerned about the combined interest amounts and the present mortgage balance. 这个the present mortgage balance对应例子是不是就是最后一家银行的90万？ 我怕自己算base irs不知道这数字哪里来的反而找我。
另外TT里今年指引有一句话请大家帮忙看看，看税得东西经常觉得自己英文很差。 loan refinanced in 2021 with a new 1098? ( not most recent 1098) Yes or No 我第二家broker选了yes，税立马减了很多，第三家转卖过去的银行选了no （ 因为我觉得是最后一张1098，most recent 1098?), 税就不动了。
是的，今年TT改进了不会傻傻算成多笔了，这个most recent loan是不是指最后一家银行给的1098？ 那最后一家银行给的1098应该选yes or no呢？
loan refinanced in 2021 with a new 1098? ( not most recent 1098) Yes or No 我的case一个是超过了75万就要算抵扣分母，一个又提前还贷了5万，但不是cash out， TT没考虑这点。我学习到现在发现还有一种问题，就是refi的时候有些broker会把一次性费用加到贷款总额里，也会造成贷款额度前后银行变动，虽然我没有遇到但我听到过。
现在研究pub 936, 只有10几页，从11开始看有个average morgage的算法，按照我的理解有一种可以用银行的statement每月做base加一起再除以12，得出平均数。有没有同好一起帮忙看看是不是这个意思？ Statements provided by your lender. If you receive monthly statements showing the closing balance or the average balance for the month, you can use either to figure your average bal- ance for the year. You can treat the balance as zero for any month the mortgage wasn''''t se- cured by your qualified home. For each mortgage, figure your average bal- ance by adding your monthly closing or average balances and dividing that total by the number of months the home secured by that mortgage was a qualified home during the year. If your lender can give you your average bal- ance for the year, you can use that amount. Example. Ms. Brown had a home loan se- cured by her main home all year. She received monthly statements showing her average bal- ance for each month. She can figure her aver- age balance for the year by adding her monthly average balances and dividing the total by 12.
是的，今年TT改进了不会傻傻算成多笔了，这个most recent loan是不是指最后一家银行给的1098？ 那最后一家银行给的1098应该选yes or no呢？
loan refinanced in 2021 with a new 1098? ( not most recent 1098) Yes or No 我的case一个是超过了75万就要算抵扣分母，一个又提前还贷了5万，但不是cash out， TT没考虑这点。我学习到现在发现还有一种问题，就是refi的时候有些broker会把一次性费用加到贷款总额里，也会造成贷款额度前后银行变动，虽然我没有遇到但我听到过。 茶花果酱 发表于 2022-03-14 18:27
请问最后是怎么解决的呢？我看了TurboTax的讨论很多人抱怨，但就是不解决。去年那么多人refi这个应该是普遍问题。
那贷款额前后不一致得地方怎么填？第一个100万，第二第三个90万，利息三个相加没问题，就是贷款额度不知道怎么填
隔了一年还是这样，tt是不是有意这样啊怀疑。请问你去年最后是怎么算的？
买都买好了，而且也可以手动调，就是不知道怎么写。要我自己算就12张statement拿出来一个个月算。今年TT倒是调整改进了一下，去年更烂会搞的和多个房子贷款一样, 今年倒是修改成看作同一个贷款了，只是分母怎么算还是有问题。
或者和第一张一致。或者按最后一张填。 没办法，turbotax 好像一直有这个bug
TT默认按照最后一张算贷款额，也就是按照90万，但这样岂不是占便宜了？分母小抵扣额就大了
算一个“合理的”平均值就好了吧。
比如年头年尾贷款额的平均 或者每个月的贷款额加起来除以12
这个我查过了，年头年尾算个平均值有规定，似乎不符。至少refi过程中提前还贷一部分不行（超过一个月本金）。
The average of first and last balance method can be used if all of the following apply: You didn't borrow any new amounts on the mortgage during the year. (This doesn't include borrowing the original mortgage amount.) You didn't prepay more than 1 month's principal during the year. (This includes prepayment by refinancing your home or by applying proceeds from its sale.) You had to make level payments at fixed equal intervals on at least a semi-annual basis. You treat your payments as level even if they were adjusted from time to time because of changes in the interest rate.
那IRS有说怎么算吗
就是啊，难道这种经常出现的情况都算“灰色地带”，大家随便算的？TT讨论里TT自己的expert回答说irs is more concerned about the combined interest amounts and the present mortgage balance. 这个the present mortgage balance对应例子是不是就是最后一家银行的90万？ 我怕自己算base irs不知道这数字哪里来的反而找我。
我这个是TT讨论里看到的解答，那个层主问的问题也不是提前还贷。
你算base的时候TT也帮你用最后一家银行的base算了嘛？
我第二家broker选了yes，税立马减了很多，第三家转卖过去的银行选了no （ 因为我觉得是最后一张1098，most recent 1098?), 税就不动了。
去年我记得如果分着填（假设50w 贷款额），tt很傻的帮我算成了多份loan （比如50w*2），总额是hit到75w的贷款上限。很亏。所以手动把1098 相加了
我今年又试了一下，如果不加1098总额。直接按照1098一张一张填，我今年没出问题。是不是修复了？（我今年的加起来总额肯定超了75w，但loan本身没有超）
今年每张1098输入之后，都会问这个是不是most recent loan（不记得去年有没有问）。是不是refinance。有没有cash out。
你是一个原银行，一个ref后的银行对吗？那下面这个问题你分别选了什么呢？ loan refinanced in 2021 with a new 1098? ( not most recent 1098) Yes or No
对，超过75万
拿去年会计师怎么报的呢？他们给报税文件吗？可以拿出来看看
贷款额就是1098表第二项outstanding mortgage principal,都要填的吧
是的，今年TT改进了不会傻傻算成多笔了，这个most recent loan是不是指最后一家银行给的1098？ 那最后一家银行给的1098应该选yes or no呢？
loan refinanced in 2021 with a new 1098? ( not most recent 1098) Yes or No
我的case一个是超过了75万就要算抵扣分母，一个又提前还贷了5万，但不是cash out， TT没考虑这点。我学习到现在发现还有一种问题，就是refi的时候有些broker会把一次性费用加到贷款总额里，也会造成贷款额度前后银行变动，虽然我没有遇到但我听到过。
其实cpa各说各的也很多，TT 那些expert也是cpa
TT关于refinance 的interview 没让我填贷款额啊
1098的内容也没让填？
没有啊 我去form search 了下， 1098 refin相关的只有这个worksheet: 第一第二项分别是 property type 和property address.完全没有贷款额
谢谢，我空下来再研究一下。
Statements provided by your lender. If you receive monthly statements showing the closing balance or the average balance for the month, you can use either to figure your average bal- ance for the year. You can treat the balance as zero for any month the mortgage wasn''''t se- cured by your qualified home. For each mortgage, figure your average bal- ance by adding your monthly closing or average balances and dividing that total by the number of months the home secured by that mortgage was a qualified home during the year. If your lender can give you your average bal- ance for the year, you can use that amount. Example. Ms. Brown had a home loan se- cured by her main home all year. She received monthly statements showing her average bal- ance for each month. She can figure her aver- age balance for the year by adding her monthly average balances and dividing the total by 12.
真是服了TT, 这种常见问题都搞得不清不楚，去年大家骂过了今年还是改的漏洞不清。去年Refi那么多再复杂的都应该码出来了。差点就那么报上去。
前几张1908都是no。最后一张（最新）那张是yes。
我的情况是2021 refi了一次。loan被动transfer了一次。所以三张。
所以我的贷款额度。第一张（old）比第二/三张高一点。但都没有超过75。