Hva skjer hvis du mister boligen? Vel, du betaler mer i skatt.

I Norge har vi rentefradraget på boliglånet. I USA har de lignende skatteordninger for å eie egen bolig. Fra en 2008 artikkel fra NY Times får vi litt innblikk i politikken til sittende president Bush:

He proposed affordable housing tax incentives. He insisted that Fannie Mae and Freddie Mac meet ambitious new goals for low-income lending.

Concerned that down payments were a barrier, Mr. Bush persuaded Congress to spend up to $200 million a year to help first-time buyers with down payments and closing costs.

Nå har Business Week sett på hva som skjer med disse skattefradragene hvis du mister huset.

As Karen Jacobs, an economist in Arizona’s Department of Revenue, was reviewing income tax data for 2010, she came across a puzzling trend: Refunds were down and tax liability was up even though the state’s unemployment rate peaked that year, at 10.8 percent. “My first thought was: ‘Taxable income? Why would that be up if people are losing jobs?’ ” says Jacobs.

People across the U.S. have seen their tax bills increase due to the housing bust. On federal tax returns, claims for the mortgage interest deduction dropped by 14 percent, from 2007 to 2009, IRS data show. For 2010, preliminary data indicate that use of the write-off fell by a further 7.2 percent. The decline saved the U.S. government between $13 billion and $26 billion from 2007 to 2010, estimates Andrew Hanson, an assistant professor of economics at Georgia State University who has researched the tax break.

En forferdelig negativ konsekvens av et tilsynelatende positivt tiltak. Meningen var jo at man ikke skulle miste huset.


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