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mortgage payment

mortgage payment# Investment - 投资

s*w2008-11-27 08:11

1 楼

For the payment due 1/1/09, I ususally pay it at 1/12/09 (the grace time
ends 1/15/09).
But this time, if I pay it before 1/1/09, then the interest payment would be
counted toward this year tax?
Can I keep going, paying in Dec for the ones due on 2/1, 3/1, and so on, if
I have money?
thanks.

s*n2008-11-27 08:11

2 楼

No. Interest is accrued over time. Your extra payment will only go
to principal.

For the payment due 1/1/09, I ususally pay it at 1/12/09 (the grace time
ends 1/15/09).
But this time, if I pay it before 1/1/09, then the interest payment would be
counted toward this year tax?
Can I keep going, paying in Dec for the ones due on 2/1, 3/1, and so on, if
I have money?
thanks.

【在 s***w 的大作中提到】

: For the payment due 1/1/09, I ususally pay it at 1/12/09 (the grace time
: ends 1/15/09).
: But this time, if I pay it before 1/1/09, then the interest payment would be
: counted toward this year tax?
: Can I keep going, paying in Dec for the ones due on 2/1, 3/1, and so on, if
: I have money?
: thanks.

s*w2008-11-27 08:11

3 楼

at least the first one (due on 1/1/09) should work, right?
For my car loan, actually I did pay the several payment in advance, but I
have to tell them in advance. Maybe different on mortgage?

be
if

【在 s********n 的大作中提到】

: No. Interest is accrued over time. Your extra payment will only go
: to principal.
:
: For the payment due 1/1/09, I ususally pay it at 1/12/09 (the grace time
: ends 1/15/09).
: But this time, if I pay it before 1/1/09, then the interest payment would be
: counted toward this year tax?
: Can I keep going, paying in Dec for the ones due on 2/1, 3/1, and so on, if
: I have money?
: thanks.

m*u2008-11-27 08:11

4 楼

I think pay before Jan 1 will work for tax. But you need to keep doing this
in Dec. You can only do this for Jan (for tax purpose).
Depends on your mortage (pre-payment penalty or not), you can pay off your
mortgage earlier (or not). But I think for most people (again for tax
consideration) it may not be a good idea to pay off too fast.

【在 s***w 的大作中提到】

: at least the first one (due on 1/1/09) should work, right?
: For my car loan, actually I did pay the several payment in advance, but I
: have to tell them in advance. Maybe different on mortgage?
:
: be
: if