s***w
发帖数: 521 | 1 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********n
发帖数: 1962 | 2 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***w
发帖数: 521 | 3 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*****u
发帖数: 1342 | 4 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
|
|
