自住房没有住满两年怎么办？

森野夜 发表于 2023-2-26 11:42
五年内一共住满两年就算自住房，搬回去吧。
顺便搭车问个问题，是只有第一套自住房才能免增值税还是后面买 ...

网上查了一下，claim第一套房的免税benefit两年之后才能claim第二套房子的免税benefit

“Generally, you're not eligible for the exclusion if you excluded the gain from the sale of another home during the two-year period prior to the sale of your home.”
https://www.irs.gov/taxtopics/tc701

y5v2y3o6 发表于 2023-2-26 07:45
搬回去住够两年吧，虽然我也不知道如果你谎报了的话IRS会怎么查（state tax withholding？AR-11？），但是 ...

250K收入免税出处？

不爱打游戏 发表于 2023-2-26 14:37
250K收入免税出处？

可以点进去主贴里的这个链接看一下：
https://www.irs.gov/businesses/s ... eal-estate-tax-tips

“To claim the exclusion, you must meet the ownership and use tests. This means that during the 5-year period ending on the date of the sale, you must have:
- Owned the home for at least two years (the ownership test)
- Lived in the home as your main home for at least two years (the use test)
...
If you have a gain from the sale of your main home, you may be able to exclude up to $250,000 of the gain from your income ($500,000 on a joint return in most cases).”
算是一个比较常见的降低卖房所产生的capital gain tax的方式，另外一个常见的方式是1031 exchange

student1997 发表于 2023-2-26 14:48
可以点进去主贴里的这个链接看一下：
https://www.irs.gov/businesses/small-businesses-self-employed/ ...

哦卖房之后的

不需要搬回去住，如果满两年25w卖房盈利免税，不到两年的话按照你所住时常算比例，比如你只住了一年那就只有12.5w免税

Lapanonotu 发表于 2023-2-26 17:42
不需要搬回去住，如果满两年25w卖房盈利免税，不到两年的话按照你所住时常算比例，比如你只住了一年那就只 ...

如果是这样的话，make sense, 那个破房子能涨十万我就谢天谢地了

我住够了两年，可以可以免最多25万的gain？
虽然现在都不一定有gain

21年买的房子，今年卖不赔钱就不错了吧，还需要担心盈利缴税问题么

三分地老农 发表于 2023-02-26 22:34:50
21年买的房子，今年卖不赔钱就不错了吧，还需要担心盈利缴税问题么

确实，卖房还要交6%左右的各种fee，要卖到买价的106%以上才有收益
其实转投资，loss也许还能抵税，不过这块我了解不多。我有过自住房loss，抵不了税，算上各种fee，亏了1%不到，也还好