请问是应该每个月多付 mortgage 合算， 还是等房子都付清了，多交税合算？ 有没有方法计算。

我想每个月多付一些mortage ， 这样房子付清了，心里就踏实了。 但是人家说房子付清以后的税就要交的很多。

 

有没有办法能计算一下到底每个月应该付都少mortgage 才合算。

谢谢。

所有跟帖： 

• 回复：请问是应该每个月多付 mortgage 合算， 还是等房子都付清了，多交税合算？ 有没有方法计算。 -东门庆- ♂ (152 bytes) () 12/13/2010 postreply 11:03:34

• 可能是指income tax，不是地税。 -KOMKOM- ♀ (0 bytes) () 12/13/2010 postreply 11:13:41

• LZ的意思是，贷款付清后，tax deduction 会减少，income tax 的rate 就上去了。 -RE8888- ♂ (0 bytes) () 12/13/2010 postreply 11:13:49

• even income tax rate keeps the same, -美西游子- ♀ (49 bytes) () 12/13/2010 postreply 11:22:16

• Exactly! -RE8888- ♂ (0 bytes) () 12/13/2010 postreply 11:25:13

• That is exactly what I meant (贷款付清后，tax deduction 会减少，income tax -maria99- ♀ (105 bytes) () 12/13/2010 postreply 11:33:36

• Isn't that simple? -skyport- ♂ (689 bytes) () 12/13/2010 postreply 11:43:57

• here comes another factor to take into acct -美西游子- ♀ (51 bytes) () 12/13/2010 postreply 11:53:30

• Sure, the principle matters -skyport- ♂ (141 bytes) () 12/13/2010 postreply 11:57:37

• Then, set an appointment with your Financial Advisor for your fi -RE8888- ♂ (91 bytes) () 12/13/2010 postreply 11:52:19

• pay at front? I don't think so -美西游子- ♀ (0 bytes) () 12/13/2010 postreply 11:57:56

• most financial advisors are incompetent -skyport- ♂ (256 bytes) () 12/13/2010 postreply 12:01:32

• no simple equation to solve ur problem. -美西游子- ♀ (740 bytes) () 12/13/2010 postreply 11:40:42

• yes, it depends on the situation -skyport- ♂ (251 bytes) () 12/13/2010 postreply 11:51:15

• less balance, less leverage -美西游子- ♀ (54 bytes) () 12/13/2010 postreply 11:56:26

• 你的贷款利率是多少？如果你用那笔钱投资，回报是否高于贷款利率， -北燕- ♀ (84 bytes) () 12/13/2010 postreply 13:21:04

• 就是这么一回事。只要你的LOAN利息高于你的投资(包括银行存款)的回报就早点还清 -想说我就说- ♂ (95 bytes) () 12/13/2010 postreply 14:54:23

• there is also a break even point -jjj7- ♂ (177 bytes) () 12/13/2010 postreply 15:00:50