或许。请教CPA稳妥一些。这是网上原文。在“TAX IMPLICATIONS"一段：

https://www.credible.com/blog/mortgages/cash-out-refinancing/

Tax Implications

You will not have to pay income taxes on the money you receive through a cash-out refinance, because the money does not count as “income.”

You will not have to pay income taxes on the money you receive through a cash-out refinance, because the money does not count as “income.”

You can claim the mortgage interest deduction for the “home acquisition” portion of your new loan — the amount that you owed on your old loan, plus any proceeds that you use to make improvements to your home — but the rules have changed.

The mortgage interest deduction allows you to deduct the interest you pay on qualified mortgage debt from your taxable income. It used to be that you could claim the mortgage interest deduction on up to $1.1 million in total mortgage debt, including up to $100,000 in home equity debt used for any purpose.

But starting with 2018 tax returns filed in 2019, interest paid on a cash-out refinance or home equity loan is only deductible if used to buy or make “substantial improvements” to your home. Plus, the total limit for newly originated loans is $750,000. So if you’re refinancing more than that, there could be tax implications (always consult with a tax advisor if you have questions).