liangchueh

終於鬆了一口氣

在利率4.875%, 30 days lock with 0 point and 1200 credits 搞定後 (又是另一則可歌可泣的故事)

現在只要安排搬家公司, 上油漆, 維修, 買家具, 找人頂替現住的公寓

等待下週前往escrow office

簽下人生的第一棟房子

房契上寫著屋主李先生和版大

這樣的幸福, 確實來的太突然

兩夫妻迄今仍難以置信

''我們終於敗家了'' 

若非老媽, 這個夢, 可能又會推遲一兩年...........

最近大家都在搶房子, 李先生的公司就有五個同事

很多是因為加州退稅的關係, 延到五月三日以後交屋

打算做個Double Digger (聯邦與加州共拿)

你呢? 是不是也為了那1萬8000元美金虎視眈眈?

如果還想拿到雙退稅, 目前還不遲

只要在4月30日前open escrow

並於30天內交屋, 還是有機會的

不過, 腳步要快喔! 

請看下面文章: 

 CALIFORNIA'S TAX CREDIT MONIES MAY GO FAST

The $100 million allocated for California's first-time homebuyer tax credits may be depleted in about 10 to 20 days or sooner, according to C.A.R.'s Economics team.  California's Franchise Tax Board (FTB) plans to begin accepting applications on May 1, 2010 for tax credits up to $10,000 for first-time homebuyers and for homes that have never been previously occupied.  However, the total tax credit allocation for all taxpayers is $100 million for first-time homebuyers and $100 million for new homes, both on a first-come, first-served basis.

C.A.R.'s forecast of 10 to 20 days to deplete the $100 million allocation for first-time home buyers is based on estimated May sales figures and other parameters.  It does not take into account the possibility that buyers scheduled to close escrow in April may delay closing until May to take advantage of the tax credit.  If a shift in closings from April to May occurs, the first-time homebuyer tax credits may be depleted even more quickly than indicated above.

Applications for the California tax credit must be faxed to the FTB after escrow closes.  The FTB will update its website when the 2010 application form and other information become available.

REALTORS® are reminded not to give their clients any tax or legal advice, such as the availability of funds under the California tax credit program.  Agents should encourage their clients to seek specific advice from an accountant, attorney, or other professional as they deem appropriate.

For more information, please refer to C.A.R.'s Homebuyer Tax Credit Chart 2010.

看懂嗎?

當各位加州看官們close escrow後, 要立即上網站http://takeaction.realtoractioncenter.com/ct/U7fQW591hrek/ 填表搶位, 1萬元將以三年分期支付給購屋者

但前提是: 你每年有繳到3300元的稅金, 且是首次購屋 或 賣新屋者

至於怎麼拿到聯邦退稅?

只要明年二月至四月中報稅期間

填好表格, 註明首次購屋聯邦退稅即可

可以請會計師幫忙

或者上退稅網站http://turbotax.intuit.com/申報, 費用約50元美金

貸款者房屋成交後, 可立即向公司人資處重填W-4表格

或自行上國稅局網站(IRS)下載

然後看Deduction一欄, 填下你每月必須支付的貸款月繳金額

接著每月就可少付政府300-500元

包括州稅, 聯邦稅, 以及medi-care....等等

最高值可退7.5%的總收入

若懶得做這步驟者, 也可等報稅季來臨

在退稅單上註明

一口氣拿回所有的deduction

不過, 我喜歡把錢放在手裡

銀行可以生利息外

也可以比較靈活運用

版大比較沒有耐心等到明年二月 ^^ 

希望對正在購屋的你

有很大的幫助