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发表于 2014-1-27 23:06:36
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引用第6楼游客于2014-01-27 22:38发表的 :
贷款利息不可以的，因为用了mileage了，那里包括了因为开车造成的消耗。 
好像可以选standard [mileage] 或者 actual deduction 。不过好像并非“unconditional”。我是没有报过-----因为从未用过贷款买车，或信用卡借钱。专家们一定心里有数。我想这种复杂的[或叫边缘的]项目应该不太可能考虑在免费报税服务范围里吧
找了一段有关的：
How to Report Car Loan interest on a 1040 Tax Form
Car loan interest on 1040 is a method that allows for the owners of cars to pay the interest of their car loans from their taxable income. The specifications and the eligibility criterion are pretty strict, and many times people need to come back dejected. Though, it is still worth a try. If it comes through, it helps reduce the overall burden of the purchase, thus providing a boost to the auto industry in terms of the sales they generate. However, this is possible only in specific cases and not available to all.
Requirements
IRS Schedule C[/li]IRS Schedule A[/li]Mileage Log of the Vehicle[/li]Vehicle Loan Interest Statement[/li] Checking or Identification 
The interest amount is liable to be deducted from the total taxable amount, only if the corresponding loan has been taken for investment. People with personal loans are not eligible for such compensations. As far as the car loan payments are concerned, if it has been brought for personal use, it will not be processed and the taxable amount would not reduce. However, if the car is driven for business purposes, the total interest in proportion to the number of miles driven can be mentioned.
Schedule A 
This schedule is used to list all the deductions applicable. All the interest expenses that require to be deducted from the taxable amounts need to be mentioned in a sequence. Step by step instructions are mentioned on Form 4952 to assist the tax payers in calculating the total amounts. Check the other instructions, if any, to determine further amendments. Deductions in qualifying loans are also possible for certain people.
Schedule C 
This schedule allows mentioning the total miles driven in the car for business purposes. All figures corresponding to the total driven miles should be in percentage. The total amount payable is the multiplication of the percentage for which the car has been utilized for business use, times the total interest paid for the vehicle. To understand better, consider an example. If by computing the car loan interest rate, the total interest that needs to be paid is $1000 and the car has been driven for a total of 10,000 miles, of which 2,000 are for business purposes. The percentage is equal to (2000/10,000) * 100 = 20%. Hence, the total deductable amount would be 20% of 1000 = $200.
Precautions 
Remember to take all the supporting documents and the form duly filled out, as it is liable for rejection in case of errors. Place the figures in the correct lines and tick the appropriate boxes. Make sure the form is for the current year. A tax professional would be able to provide better correspondence on the basis of the individual's needs and conditions.
Both the forms have different purposes and are applicable in different scenarios. The schedule A is applicable if the car has been brought for office use only, whereas the schedule C is when it is a personal car (not qualifying for schedule A) but is being used for business purposes as well. |
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发表于 2014-1-27 13:46:56
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