稅改方案對房市造成的影響

這幾天接到很多人的詢問,也有好幾位客人問我對於稅改方案對房市影響跟看法,先聊聊稅改在房地產方面可能會造成的影響。

房地產稅(Property taxes)
新的規定只允許每年扣除高達1萬美元的房地產稅,影響所及,就是房地產稅單超過1萬元的人。

房屋抵押利息扣除(Mortgage interest deduction)
以前,抵押貸款(貸款)的利息為110萬美元可以扣除現在可能改為

1)100萬美元的貸款利息可以扣除
2)50萬美元的貸款利息可以扣除

2017年11月2日以前Close的貸款都不會受影響,但是還不知道未來如果有refinance的人會不會受影響。

以上是指自住房,如果投資房不在此限

賣房子的優惠年限
目前只要過去的5年中居住在家中2年,每一個在產權上的人有25萬元的資本利得免稅額。現在,新提出的規定是在過去的8年中必須住滿5年,才有免稅優惠。

現在能做什麼?

(1)如果你真想換房,也許可以更積極一點

(2)如果你的房地產稅超過1萬一年,可以先付明年的帳單,至於怎麼付房地產稅,請參考我上周發文

請注意!截自目前12/5號發文日,稅改方案還在眾議院和參議院協商,目前沒有真正的確定方案。至於矽谷房市明年的發展,我認為價格依然會繼續穩定上揚,因為回歸基礎點,矽谷房市目前仍為供需失衡狀態,自住型的買方仍遠多於賣方。然而,價格漲幅的多寡,則需看房子釋出量而定。

以上資訊僅供參考,如果您有稅務上相關問題,請諮詢執業CPA。

https://www.cnbc.com/2017/12/04/homeowners-use-these-year-end-tax-moves-to-save-ahead-of-tax-reform.html

 

My Listing!! 1089 Tekman Dr SAN JOSE, CA 95122

這是我本周上市的一個Listing,

地點很好,就在Tully Road旁,開車三分鐘就可以上101,算是鬧中取靜的好區。

這個Condo距離Kelley Park/Japanese Friendship Garden日本公園, Sharks Ice, and San Jose Giants Stadium. 開車到獅子城 Lion Supermarket, Grand Century Shopping Center and小西貢 Walmart都在六分鐘左右.

這間房子不像其他1B1B,還有一個餐廳的位置跟小陽台。歡迎來參觀!This home offers a quiet and serene lifestyle. Excellent for first time homeowner or investor. Open-house this weekend, on December 12th/13th, 19th/20th from 1:30-4:30 PM.

Call me if you have any questions!

https://www.redfin.com/CA/San-Jose/1089-Tekman-Dr-95122/home/1616380

We welcome other sellers!

We make all the necessary research to sell your home at the right price!!!

  1. We order all the required documents for you to sell your home*.
  2. We prepare all the Seller’s disclosures for you to sign.
  3. We design and print color flyer at no extra cost to you.
  4. We pay to advertise open house for your property on major local newspaper or websites or to order virtual tour per your request.
  5. We open house for you every weekend until it sells.
  6. We can help your buyer obtain mortgage and get your home to be sold smoothly.
  7. We review all offers with you together and negotiate to get the possible best deal.
  8. We go through the entire escrow period; help you avoid problems.
  • We coordinate for you with all transaction-related professionals and inspectors.
  • We make sure all legal documents signed by both you and Buyer.
  • We follow through the escrow until it’s closing.
  • We will reimburse house cleaning & yard clean up cost after closing.

*Inspections performed by qualified inspectors will be charged on seller.

**We urge you to list your home on MLS for more prospective buyers/agents seeing your property. Usually 2.5% or 3% of sales price pays buyer’s agent.