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Displaying items by tag: understand MCC

Friday, 27 September 2013 23:49

Understand MCC Program

What is a Mortgage Credit Certificate?

 
The Mortgage Credit Certificate Program was authorized by Congress in the 1984 Tax Reform 
 
Act as a means of providing housing assistance to families of low and moderate income. The 
 
Hawaii Housing Finance and Development Corporation (HHFDC) is an Issuer of Mortgage 
 
Credit Certificates.
 
  •        The Mortgage Credit Certificate (MCC) reduces the amount of federal income tax you pay, 
 
thus giving you more available income to qualify for a mortgage loan and assist you with 
 
house payments.
 
  •      The MCC is available to homebuyers who meet household income and home purchase price 
 
limits established for the MCC Program, as well as other federal eligibility regulations.
 

How will a Mortgage Credit Certificate assist my home purchase?

 
The federal government allows each homeowner to claim an itemized federal income tax 
 
deduction for the amount of interest paid each year on a mortgage loan. 
 

For a homeowner with a MCC, this benefit is even better: 

 
• 20% of your annual mortgage interest will be a direct federal tax credit, resulting in a 
 
dollar-for-dollar reduction of your annual federal income tax liability. 
 
• The remaining 80% of your annual mortgage interest will continue to qualify as an 
 
itemized tax deduction.
 
 
 
The amount of your mortgage credit depends on the amount of interest you pay on your 
 
mortgage loan. However, the amount of your mortgage credit cannot exceed the amount of 
 
your annual federal income tax liability. Unused mortgage credit can be carried forward for
 
three years to offset future income tax liability.
 
(information from HHFDC)
Published in 蔡以祥的BLOG

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买房程序简介

首先请您在 Gouwuhawaii.com    我要购房  (按此进入) 那边填写您的需求, 我们会按照您的需求给您分析以及建议。

我们也会更您说您需要准备什么在看房之前,这样您看房以及买房的程序就会更有效率

 

如果是现金购买, 卖家会要求您提出资金证明 (银行类存款等等 用来证明有足够资金买房)此证明不需要马上就提出,当您的契约被卖家家接受后的3-5天内提出即可- 正确天数 依照合约)

如果是需要贷款, 卖家会要求看 贷款认证许可 (pre-approval letter)    如果您需要贷款又没有此许可证,就算看见喜欢的房产您也不一定可以买到,应为卖家会觉得您贷款上面会有问题。  

以上步骤没问题后再来就是

第一:  相约看房:  如果有适合的房子, 买房可以透过我们房地产经纪人与卖方的委托人进一步的交涉。通常我们会与买家拟定一个合适的价格 (OFFER) 然后 作出 书面的出价 (购屋合同)里面包含购买价格,付款方式,订金,交屋, 托管公司,房屋检查,等等。  买方需要写一个支票来支付订,支票抬头写托管公司然后给我们 (买方经纪人),或是如果没有美国银行账户外国买家也可提议在OFFER接受的3天内汇款订金。  如果卖方接受了我们的出价那么,这个支票(初期订金)就会被送去托管公司开户。  如果最后没有成交,大部分的情况下 托管公司会把支票退还。   {了解更多}   如果是汇款,托管公司也会退款给您。   

契约的拟定 (签名我们可以使用电子签名所以就算您不在夏威夷也可以签)

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