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HELOCs税收优惠取消能否惠及消费贷款公司?

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HELOCs税收优惠取消能否惠及消费贷款公司?

新的税收法案制定了很多新的政策,美国人民都想搞清楚自己在本纳税年度会受到怎样的影响。很多人甚至在2017年年尾做出了一些改变,因为他们知道一旦进入2018年就会失去一些税收优惠。在其中,房屋净值信贷额度(HELOCs)利息抵减的取消并没有得到媒体太大的关注。

房主通过HELOC来负担各种采购行为,这是房主利用房屋资产的一种方式。而且这种方式对一些房主尤其具有吸引力,因为美国各地的房价也都开始逐渐上涨。由于HELOC是由资产支持的,因此利率通常低于LendingClub和Prosper等平台提供的无担保贷款。 HELOC还有一个额外的好处就是能够抵扣利息,这一优点使得HELOC与几乎其他所有贷款产品都不相同。然而现在,HELOC的这一优势在新税法中已经基本被删除,因此我们可能会看到房主会选择其他类型的贷款。重要的是,扣除利息只会使扣除项目的个人受益,而这往往包括收入较高的个人。

尽管与其他无担保个人贷款相比,HELOC能够提供并且可能继续提供更为优惠的利率,但同时需要考虑其他存在的费用。通常情况下,银行针对HELOC会收取交易手续费,其中通常包含评估费用。另外,一些HELOCs提供的是浮动利率,这可能会成为一些客户的顾虑,因为未来可能利率会升高。

无担保贷款公司或能受益

由于HELOC的抵扣优惠措施被删除,因此能够提供更好用户体验的其他选择会更具吸引力。像是Goldman Sachs的Marcus这一类平台不收取任何初始费用,并且针对最优质借款人所采取的固定利率低至6.99%。另一家名为LightStream的无担保消费贷款公司提供的贷款,其利率低至2.49%,同时它取决于收益的用途。这可能导致最优质的借款人转向这些公司提供的贷款产品,而信用记录不完善的借款人则可能仍然依赖HELOCs,同时接受更高的利率水平。

结论

新税法将如何影响HELOCs的发展趋势,目前我们也只能拭目以待。如果利用HELOC的房主数量继续下降,那么这将是自金融危机以来我们所观测到的发展趋势的延续。如果你现在采用的是HELOC,并且在2018年将不能抵免利息,那么付清贷款则是明智的行为。

Much has been written about the new tax bill as Americans try to figure out how their personal situation may be affected this tax year. Many people even made last minute changes in 2017 knowing that they would lose some tax benefits as we entered 2018. One change that we haven’t seen a lot of coverage on is the removal of the ability to deduct interest on home equity lines of credit or HELOCs. The exception is when the proceeds are used towards improving the primary residence.

HELOCs are used for homeowners to fund a wide variety of purchases. It is a way for homeowners to take advantage of the equity of their home and is especially attractive to some as we have seen a run up of home prices across the US. Since a HELOC is backed by an asset, interest rates are typically lower than an unsecured loan, such as the ones offered by LendingClub and Prosper. There was an added benefit to a HELOC with the ability to deduct the interest, something that differentiated HELOCs from pretty much all other loan products. Now that this benefit is, in many cases, removed with the new tax code, we may see homeowners opt for other loan types. It is important to remember that the interest deduction only benefited individuals who itemize their deductions, which tend to include individuals with higher incomes.

While HELOCs offer and likely will continue to offer favorable interest rates compared to other unsecured personal loans, there are also other fees to take into consideration. Often the bank charges closing costs on the HELOC which usually includes an appraisal. In addition, some HELOCs are variable rates and that may give pause to some consumers as we potentially enter an increasing rate environment.

Unsecured Lenders May Benefit

As the deduction benefit is removed, other options which offer a pleasant user experience look even better. Platforms like Goldman Sachs’ Marcus charge no origination fee and currently offer fixed rates as low as 6.99% for the best borrowers. Another player in the unsecured consumer lending space called LightStream offers loans as low as 2.49% depending on the use of proceeds. This could lead to the very best borrowers moving to products offered by these companies while borrowers with a less than perfect credit history, who would qualify for a higher rate, may rely on HELOCs.

Conclusion

We will have to wait and see to see how the new tax law affects the use of HELOCs going forward. If the amount of homeowners leveraging this product continues to decline, it will be a continuation of a trend we’ve seen since the financial crisis. If you currently have a HELOC and will no longer be able to deduct the interest in 2018 it may make sense to pay it off.


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