State and Local Taxes (SALT) has a upper imit of $10,000, SALT above this limit is not deductible.
Home Mortgage Interest deduction is limited to the interest of mortagage under $750,000. The home mortgage interest deduction has no limit. So if interest rate was 20% and your home mortgage was $100,000, the $20,000 of interest is deductible.
Of course, the above two deduction belongs to itemized deduction, which requires the deduction to be above standard deduction to even be elected. A standard deduction for a joint filer is 2 x 12000 = $24000.
So assuming your SALT deduciton is $10000, and your home mortgage interest has to be more than $14000 to have itemized deduction more than $24000 of the standrd deduction.
看到城头挂了篇拿自主房贷款还投资房贷的，果然是误导。挖个新坑来说说。
投资房的贷款利息可以看作成本支出，可以100%抵税。举例来说
贷10万，5%利息，贷款利息5千，房租收入2万，地税保险维修支出1万，抵扣后看成只有5千收入，25%税率，就是交$1250的税。
如果用房屋折旧，把最后5千折掉，可以一分钱不交税。
自住房贷款利息也可以抵税，但加上州税的总和有个上限，超过1万的部分不能抵扣。
投资房的贷款利息是投资的成本，从收入中减除，自住房的贷款利息可以抵扣，但有限制。先还哪个还不清楚吗？
再说了，投资房要诀是滚雪球，用房生房，有还贷的钱应该想着买下一个房。只要有正的现金流，这个房就是自动印钞机，用印出来的钱去买下一个印钞机，而不是想着给它省点电。
还有一个RSU套现还贷的，如果是套现买房，基本就是选择股市还是房市的问题，讨论太多了，我就不扯了。套现还贷，是big no，套现先交一次税，还贷把可以抵扣的税有变没了，是双份的税务策略失败。当然，如果对股市没信心，怕跌要空仓，空仓后钱没处去，那就是另一个问题了。
State and Local Taxes (SALT) has a upper imit of $10,000, SALT above this limit is not deductible.
Home Mortgage Interest deduction is limited to the interest of mortagage under $750,000. The home mortgage interest deduction has no limit. So if interest rate was 20% and your home mortgage was $100,000, the $20,000 of interest is deductible.
Of course, the above two deduction belongs to itemized deduction, which requires the deduction to be above standard deduction to even be elected. A standard deduction for a joint filer is 2 x 12000 = $24000.
So assuming your SALT deduciton is $10000, and your home mortgage interest has to be more than $14000 to have itemized deduction more than $24000 of the standrd deduction.
同意您的观点。现在贷款利息低，扣除付利息可以抵稅的好处，扣除通货膨胀，基本上是接近无息贷款