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阿迪朗达克椅子在森林和湖第二家奥斯汀资产的边缘

如果你和365app官方版下载一样,你也梦想过第二套/度假屋.  和, 利率处于历史低位, 更不用说在家工作时想换个环境的愿望了, 365app官方版下载发现自己在寻找木屋只是时间问题, 牧场, 或海滩房子.  然而, 在你决定把这个想法变成现实之前, 你应该考虑一些问题. 这包括了拥有第二套/度假屋的相关成本, 家庭的属性, 其租赁潜力, 以及所得税待遇.

你应该买度假屋吗?

在你买度假屋之前,先确定你是否能负担得起. 即使你可以把它租出去或从你的税收中扣除部分拥有成本, 度假屋基本上是一种奢侈品, 不是一个投资. 你应该买一辆来增加你的生活价值,而不是增加你的净资产.

购买度假屋可能适合你,如果:

  • 拥有一个是你一生的梦想,现在你可以负担得起
  • 你几乎准备好退休了, and you plan to use the home as your primary residence in retirement (be sure to think about your future needs before you buy)
  • You’ll save enough money on family vacations to offset the cost of the vacation home
  • You can recover most or all of the costs of owning the home by renting it out when you’re not using it

购买度假屋可能不适合你,如果:

  • 你得把钱凑起来付得起
  • 你不会喜欢照看这些财产的

拥有一座度假屋要花多少钱?

拥有一座度假屋的成本可能比你想象的要高. 以下是一些你可能会花钱买的东西:

抵押贷款,税收和保险

Unless you pay cash for your vacation home, you’ll have to pay a monthly mortgage payment. 和, 不管你付不付现金, you’ll have to pay 房产税 and a premium for hazard and liability 保险 on the home.

维修、保养和费用

不管你是自己维护房子还是雇别人来做, 你得花钱修理和保养这个家. 维护费用包括清洁费用, 院子里工作, 泳池或水疗中心保养, 耕作, 大修和小修都可以. 如果你要买一套公寓, 你不需要维护你的单位的外部或做庭院工作, 但你得按月交公寓费. Or, 如果你决定租你的房子, you may want to hire a professional management company that will charge you a fee to rent out and maintain the home.

公用事业公司

你付的电费数额, 热, 污水, 水, 电话, 其他的费用取决于你使用度假屋的频率. These costs can really add up, especially if you have a large number of people staying in the home.

家具和设备

除非你的度假屋是家具齐全的, 预计在家具上要花一大笔钱, 床上用品, 和餐具来装备你的新家.

旅行和娱乐费用

不要忽视往返度假屋的费用. 你在外面吃饭可能比在家里花更多的钱. 在度假胜地,甚至连杂货都要花更多的钱. 如果你有客人, 你可能会在娱乐活动和景点的入场费上花很多钱, 也.

度假屋有什么值得注意的

Personal tastes and the reason you’re buying a vacation home will dictate the type of home you’ll buy and its location. 例如,如果你想摆脱这一切,你可能想要一个乡村小屋. 另一方面, if you plan on inviting family members to visit or are thinking about renting out the home, 你可能想在度假区买一个宽敞的小木屋,那里有很多事情可做. 当你选择度假屋时,这里有一些事情需要考虑.

位置

  • 房子离你家有三个小时的车程吗? 如果你打算经常去那里旅行,这一点很重要.
  • Are there recreational activities nearby that appeal to both you and potential renters?
  • Is the property in a scenic, desirable location such as near a lake, beach, or the mountains?
  • 这个地区正在被大力开发吗? This may be a plus if you’re renting to others, a minus if you’re looking for peace and quiet.
  • 你喜欢年复一年地回到这个地区吗?

大小

  • Is the home large enough to accommodate friends and family members who will want to visit?
  • 厨房大到可以舒服地做饭吗?
  • Are the bedrooms and bathrooms adequate for the number of people who will be staying there?
  • 是否有足够的停车位? 如果你有一辆房车或一艘大船,这一点尤其重要.
  • 家里是否有空间存放你想要留在家里的物品.g.额外的衣服、设备或食物)?

便利设施(你可能需要的额外设施)

  • 家里有现代化的电器吗,包括洗碗机和洗衣机/烘干机?
  • 在寒冷的夜晚,房子里有壁炉吗? 这在滑雪国家尤其重要.
  • 家里有游泳池吗? 一个热水浴缸? 桑拿房?
  • Does the home have a porch (screened or unscreened) where you and your guests can relax?

维护问题

  • 家里有可靠的管道、供暖和制冷系统吗? 在你度假的时候修理可不是什么好玩的事.
  • 这些场地需要大量的维护吗? Unless you enjoy it, do you really want to spend your vacation working out in the yard?
  • Is the home currently in good repair, or will you have to renovate it in order to make it livable?

如何为度假屋投保?

你要为你的度假屋投保以防损坏和损失. Your homeowner’s policy will provide liability coverage for you at your vacation home. 然而, most homeowners’ 保险 policies provide only limited coverage for personal property at an additional residence. To insure the vacation home itself and to obtain additional personal property coverage, 考虑购买住宅和消防政策. There may also be 保险 issues depending on how much of the year the property will be vacant. 欲了解更多信息,请咨询保险专业人士.

把你的房子租给别人怎么样?

如果你想把你的度假屋租给别人,记住费用. 例如, if you hire an experienced real estate rental broker who is familiar with rental homes and the rental market in which your vacation home is located, 你得付一定的费用. 如果你一个人去, 你得付广告费, 带你去看看未来的房客, 还有律师起草租约.

If you plan to rent your vacation home for several short periods during the peak rental season (e.g.,每周为滑雪小屋),你会想预算更大的空置期. 因为短期租赁往往会对房产造成更大的磨损, 你需要为更大的维修费用做预算.

往好的方面看, renting your vacation home to other people when you’re not using it can help defray the costs associated with owning the home and generate income for you.

拥有第二套或度假屋的所得税后果是什么?

The income tax treatment of your vacation home depends on how many days you rent it to others, 和其他因素.

Property is for your personal use only or is rented to others for less than 15 days per year

If your second home is for your personal use only or is rented to others for less than 15 days per year, 所得税的处理是直截了当的. 如符合要求,可扣除下列各项:

  • 房产税
  • 合格的住所感兴趣
  • 伤亡损失扣除

提示: 从这样的房屋获得的租金收入是不需要缴税的.

警告: 因为你不上报这栋房子的租金收入, 你不能扣除与租金有关的费用.

不像出售你的主要住宅, you aren’t allowed a capital gain exclusion when you sell a vacation home or second home. 然而, a home that is currently a vacation home may qualify as your principal residence in as little as two years.

一年内出租房屋15天或以上

When you rent out your home for more than 15 days during the year, things can get more complicated. The tax treatment of your vacation home now depends on how much time is allotted to personal use (as opposed to rental use).

如果你在一年中把房子租出去15天或更长时间, and your personal use of the home exceeds the greater of 14 days during the year or 10 percent of the days rented, 然后,出于税收目的,该房产被视为度假屋. 税务处理如下:

  • 租金收入:所有租金收入均须申报.
  • Rental expenses: Rental expenses must be divided between personal use and rental use of the property. 可扣除的费用, 如保险, 维修, 公用事业公司, 和折旧, 一般都局限于物业所产生的收入.
  • Other deductions: You may deduct qualified residence interest, 房产税, and casualty losses.

Mortgage interest is considered qualified residence interest if it is incurred with respect to your principal residence and one other residence. So, you won’t be able to deduct the mortgage interest on more than one secondary residence or vacation home. There are also limits on the amount of indebtedness that may be taken into account in determining the amount of qualified residence interest that is deductible each year.

如果你不经常为个人目的使用你的家(例如.e., 你不符合14天/ 10%的规则), 你的度假屋被严格地视为租赁或商业财产. 税务处理如下:

  • Rental income: Gross rental income is taxable to the extent it exceeds the rental-related expenses.
  • 租赁费用:所有费用, 包括抵押贷款利息, 房产税, 保险, 广告, 等等, 可以从物业的租金收入中扣除吗. 你应该在联邦所得税申报单的E表中报告这些费用.
  • 损失:如果总租金费用超过总租金收入, then the resulting loss may be deducted from your personal income (subject to relevant limitations, 包括被动损失扣除的限制).

警告: 不像出售你的主要住宅, you aren’t allowed a capital gain exclusion when you sell rental property or second/vacation homes. 然而, if you own and use the home as a principal residence for two out of the five years preceding the sale of the home, 你可能有资格获得资本收益豁免, even though the home was a rental property or vacation home for the balance of the five-year period.

总之,365app官方版下载看到365app官方版下载的许多客户有第二套住房和短期租赁.  如果你也在探索第二个家, 365app官方版下载希望你能利用这些信息来帮助你做出更明智的决定.

At 奥斯丁的资产,365app官方版下载是收费的 财务顾问. We seek to bring clarity and purpose to wealth through authentic and enduring relationships. 对生活.

 

 

 

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