请黄教授或其他行家解答抵押贷款的问题

随心随意

旧房MORTGAGE 已还完，用旧房抵押贷了LINE OF CREDIT用于新房首付，现在旧房出租，请问LINE OF CREDIT 的利息能抵税吗？如果不能是不是必须要做REFINANCE 也就是从新贷MORTGAGE。那么MORTGAGE 的MONTHLY PAYMENT 可以抵税还是只有其中的利息可以抵税。还有什么费用可以抵税，请懂的朋友们帮忙解答一下，多谢。

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tong wen,

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jiaoshou.

小黄

I don't know.
Wait for professional replies.

laosan

the LOC interest can't deduct.  Go re-finance with rental house.  get as big mortgage as you can.  use the cash to pay down your new house.
for rental house, you can only write off the mortgage interest (not the whole payment).  so if you can get the interest payment only mortgage for rental house, go for it, as you can pay the extra cash to you new house mortgage again.
other write-off for rental house are property tax, utilities.  maintenance cost (if any), rental Ads cost., insurance etc

随心随意

非常感谢你的回复，请问你是会计吗？