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New Member
posted Jun 5, 2019 10:40:49 PM

I bought vacant land to build a retirement home in the near future. Can I claim the interest paid on the loan?

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Expert Alumni
Jun 5, 2019 10:40:50 PM

No, you cannot deduct interest on land that you keep for you eventual use and some undermined time in the future or for a vacant lot that you intend to build a home on. 

However, you may be able to deduct some interest once constructions begins. You can treat a home under construction as a qualified home for a period of up to 24 months, but only if it becomes your qualified home at the time it's ready for occupancy. The 24-month period can start any time on or after the day construction begins. As a qualified home, the interest paid may qualify as deductible mortgage interest.