和朋友一起买房报税房贷文件上没有自己ssn怎么办

sweet_julia 发表于 2024-4-5 14:57
写在前面啊 你还是要问专业人士 我不是啊 所以意见仅供参考

但是我要问清楚一个问题 1098上是只有一个 ...

两个人名字，但是一个ssn，他们说只写primary的ssn
会计师说那个1098上没有我的ssn，所以不看，我目前的mogate document里都没有我的ssn。

黄色战神 发表于 2024-4-5 17:03
两个人名字，但是一个ssn，他们说只写primary的ssn

醉了 那你还是能正常报 没问题啊 我的也是就一个人的SSN
1098上的SSN只有后四位 谁知道谁是谁啊

名字在1098上你就可以正常报loan interest的抵税了，你google "How do I deduct mortgage interest if I co-owned the home? turbotax" 压根没人care SSN，只要名字在is good enough.

sweet_julia 发表于 2024-4-5 15:06
醉了 那你还是能正常报 没问题啊 我的也是就一个人的SSN
1098上的SSN只有后四位 谁知道谁是谁啊

官方审计流程可以参考：
Internal Revenue Manuals 4.19.3.11.2.1(10)
When the mortgage account is jointly owned, the lender issues a single Form 1098 to the primary holder of the loan. Since any mortgage interest claimed by the secondary holder of the loan is not substantiated by a MORT IR, the system considers the MORT claimed potentially O/D. If the taxpayer reports mortgage interest for which there is no corresponding MORT IR and indicates joint ownership, consider the MORT discrepancy resolved when:
Form 1098 or other payer statement is attached, showing the mortgage interest claimed is from a jointly held account, or
The taxpayer provides the name and SSN or the name and address of the co-owner of the loan.
Note: If the taxpayer is the primary and deducts a portion of the MORT IR, do not apply the balance of the MORT against mortgage interest claimed on any other schedule/form.
Caution: If there is an indication of a percentage of ownership, determine the correct amount of mortgage interest deducted.

我看你符合"the name and address of the co-owner of the loan"