s*****l
发帖数: 242 | 1 自己住了4－5年了，现在准备租出去。现在卖房子，亏太多了。
比如要去county里面把房子由primary resident 改成rental？
要跟insurence公司说吗，要跟mortgage 公司说吗？
跟insurence和mortgage说了以后，保费和贷款利率会由变化吗？通常会变化多少？
跟county改成rental以后，地税会涨吗？如果要涨，通常会涨多少阿？
谢谢 |
N**s
发帖数: 1916 | 2 You need to let insurance and mortgage company know. premium will increase a
little, not sure about mortgage rate but I doubt it.
property tax: varies by state. in some states it does not matter while in
others rental properties don't get so called homestead benefit and are
ripped off at a higher rate.
【在 s*****l 的大作中提到】
: 自己住了4－5年了，现在准备租出去。现在卖房子，亏太多了。
: 比如要去county里面把房子由primary resident 改成rental？
: 要跟insurence公司说吗，要跟mortgage 公司说吗？
: 跟insurence和mortgage说了以后，保费和贷款利率会由变化吗？通常会变化多少？
: 跟county改成rental以后，地税会涨吗？如果要涨，通常会涨多少阿？
: 谢谢
|
d*e
发帖数: 999 | 3 No need to tell mortgage company as long as you pay on time every month.
You need to tell the insurance company. Your premium will actually be lower
since your insurance does not cover personal liability any more -- That is
the renter's responsibility and you should require your tenant to buy renter
's insurance.
a
【在 N**s 的大作中提到】
: You need to let insurance and mortgage company know. premium will increase a
: little, not sure about mortgage rate but I doubt it.
: property tax: varies by state. in some states it does not matter while in
: others rental properties don't get so called homestead benefit and are
: ripped off at a higher rate.
|
s****i
发帖数: 519 | 4 跟保险公司说。
mortgage不要紧，自己接着交月供就好了。
county的可以暂时不说，单是如果你在同一个州又买房的话，你的homestead
exemption就只能用
在自己住的新的房子上，原本房子的地税会增加。
【在 s*****l 的大作中提到】
: 自己住了4－5年了，现在准备租出去。现在卖房子，亏太多了。
: 比如要去county里面把房子由primary resident 改成rental？
: 要跟insurence公司说吗，要跟mortgage 公司说吗？
: 跟insurence和mortgage说了以后，保费和贷款利率会由变化吗？通常会变化多少？
: 跟county改成rental以后，地税会涨吗？如果要涨，通常会涨多少阿？
: 谢谢
|
d******n
发帖数: 2712 | 5 同意。
除非要做ref，否则不需要通知贷款银行，按时交monthly payment就成了。
再买房的话，到时候做mortgage把现在这个房子作为investment property就可以了，
也不会影响现有的mortgage。
lower
renter
【在 d*e 的大作中提到】
: No need to tell mortgage company as long as you pay on time every month.
: You need to tell the insurance company. Your premium will actually be lower
: since your insurance does not cover personal liability any more -- That is
: the renter's responsibility and you should require your tenant to buy renter
: 's insurance.
:
: a
|
