The portion of Interests from refinance cash-out deductible---
from rental income, if you use it to pay rental property outstanding loan balance. Need to be traceable and keep good record. This is my understanding by reading tax code a few years ago, please double check.
现在我家自住房的贷款余额已经不多了,即便现在利率很低,也没有公司愿意做refi了。投资房的贷款还有60% 没有付清,但投资房的refi利率一直都很高。
请问,如果我从自住房贷出投资房的余额,把投资房的余额付清,是不是一个好的理财方式?
我算了一下,大约可以节约了4-5万利息。
https://blog.wenxuecity.com/myblog/72332/201707/2973.html
还掉高利率,但有可能的话应该扩大投资。
如果不再投资,你这办法挺好。如果想再投资,出租房refinance是比较困难的。特别是有10个以上的贷款。如果只有几个出租房,还是你说的办法。
从自住房cash out, 颇有些看到好果子(低利率)却拿不到的心痒:))
from rental income, if you use it to pay rental property outstanding loan balance. Need to be traceable and keep good record. This is my understanding by reading tax code a few years ago, please double check.