自住房转出租房heloc贷款请教

自住房已付清，如果heloc贷款出来作为买第二套房的款项，然后搬到第二套房自住第一套房出租。报税的时候heloc贷款可以作为出租房的deduction吗?
多谢。

可以的，但是應該先把那750K/1M max out 再算

记得税法是说HELOC要用于贷款房子的装修可以，你这个case应该不行。

chan8557 发表于 2024-6-6 04:44
可以的，但是應該先把那750K/1M max out 再算

你可别误人子弟了。

heloc的interest rate只能deduct backed property的improvement。这个improvement还必须是让这套房子增值才可以

bananamuffin 发表于 2024-06-06 18:26:24
你可别误人子弟了。

heloc的interest rate只能deduct backed property的improvement。这个improveme

Question

Is interest paid on a home equity loan or a home equity line of credit (HELOC) deductible?

Answer
It depends.

For tax years 2018 through 2025, if home equity loans or lines of credit secured by your main home or second home are used to buy, build, or substantially improve the residence, interest you pay on the borrowed funds is classified as home acquisition debt and may be deductible, subject to certain dollar limitations. However, interest on the same debt used to pay personal living expenses, such as credit card debts, is not deductible.


https://www.irs.gov/faqs/itemize...property-expenses-2

Home equity loan interest, as well as home equity line of credit (HELOC) interest, can be written off your income taxes when you use the money for home improvement purposes, or to purchase or build a new home

This write off became available after the Tax Cuts and Jobs Act (TCJA) was passed into law in 2017. According to the TCJA, qualifying homeowners are allowed to deduct their home equity loan interest payments through the 2025 tax year.

TLDR 可以
这几年银行贷款业务开始收紧 很多大银行不再做heloc, 比如Wells Fargo.做的也很多只给primary residence的做，合同会写清这点并提及他们有权在地产不是自住房的情况下关闭账号收回全部剩余贷款，所以自住房转出租房时候建议提前跟银行打招呼，很有可能他们会接受继续
抵税时候需要1099，如果heloc取款额度少于900可能不会出。
其他和一顺位贷款利息抵税一样