请问Refi Broker的rebate给了我一张1099变成non-employment compansation，这正常么？# Living
m*t
1 楼
去年做的Refi，今天收到当时broker的一封信，给我开了张1099，还他妈让我报税？请
问有这样的么？我当初贷款，refi一次都没出现过这种情况啊，太tm匪夷所思了
问有这样的么？我当初贷款，refi一次都没出现过这种情况啊，太tm匪夷所思了
p*g
2 楼
http://www.getarebaterealestate.com/about_the_rebate_116454.htm
Any real estate attorney will also confirm that rebates are allowed, we have
actually worked with several of them, and below is an attorney, tax expert
and author who confirms that no tax consequences are involved with the
rebate. Per the Department of Justice and the IRS, the rebate lowers the
cost of the home, saving you money. To have to pay tax on that would be like
trying to tax you on the amount you negotiated to a lower price of the home
.
...........
Tax reporting for commission rebates
In today's difficult housing market it has become commonplace for brokers to
offer buyers a cash rebate of a portion of their commission. A common
question many brokers and buyers have is whether such rebates are taxable
income that must be reported to the IRS on Form 1099-MISC. The answer is no.
The IRS says that a cash rebate paid to a buyer of property at or after
closing is an adjustment in the price, and is therefore not taxable income
to the buyer. Rather, the buyer should subtract the amount of the rebate
from the home's basis. This will, of course, increase any potential profit
when the home is sold.
Since they are not taxable income, such rebates need not be reported on Form
1099-MISC. Thus, brokers should not send 1099s to buyers reporting such
rebates. Any buyer who has received a 1099 that reports such a payment in
error should ask the broker to correct or withdraw it.
Any real estate attorney will also confirm that rebates are allowed, we have
actually worked with several of them, and below is an attorney, tax expert
and author who confirms that no tax consequences are involved with the
rebate. Per the Department of Justice and the IRS, the rebate lowers the
cost of the home, saving you money. To have to pay tax on that would be like
trying to tax you on the amount you negotiated to a lower price of the home
.
...........
Tax reporting for commission rebates
In today's difficult housing market it has become commonplace for brokers to
offer buyers a cash rebate of a portion of their commission. A common
question many brokers and buyers have is whether such rebates are taxable
income that must be reported to the IRS on Form 1099-MISC. The answer is no.
The IRS says that a cash rebate paid to a buyer of property at or after
closing is an adjustment in the price, and is therefore not taxable income
to the buyer. Rather, the buyer should subtract the amount of the rebate
from the home's basis. This will, of course, increase any potential profit
when the home is sold.
Since they are not taxable income, such rebates need not be reported on Form
1099-MISC. Thus, brokers should not send 1099s to buyers reporting such
rebates. Any buyer who has received a 1099 that reports such a payment in
error should ask the broker to correct or withdraw it.
o*p
3 楼
我们从不给1099, 增加客户困扰。
p*y
4 楼
估计broker自己是self-employment，也想抵税，就给客人开1099什么的。
no cost refi，rebate的钱应该算是lender's credit吧，除非是broker从自己收入中
帮LZ cover的，
确实比较恶心。。。什么人都有。利益两个字真是不简单呀。
no cost refi，rebate的钱应该算是lender's credit吧，除非是broker从自己收入中
帮LZ cover的，
确实比较恶心。。。什么人都有。利益两个字真是不简单呀。
n*9
5 楼
你的rebate当时是怎么拿的? 这里面有差別.
【在 m*****t 的大作中提到】
: 去年做的Refi，今天收到当时broker的一封信，给我开了张1099，还他妈让我报税？请
: 问有这样的么？我当初贷款，refi一次都没出现过这种情况啊，太tm匪夷所思了
【在 m*****t 的大作中提到】
: 去年做的Refi，今天收到当时broker的一封信，给我开了张1099，还他妈让我报税？请
: 问有这样的么？我当初贷款，refi一次都没出现过这种情况啊，太tm匪夷所思了
m*t
6 楼
请您说详细点好么？什么叫怎么拿到的？对于客人来讲就是Lender和broker寄的支票呗
【在 n*******9 的大作中提到】
: 你的rebate当时是怎么拿的? 这里面有差別.
【在 n*******9 的大作中提到】
: 你的rebate当时是怎么拿的? 这里面有差別.
n*9
7 楼
你的rebate如果是在成交后拿check的话，那你的loan officer是要给你个1099的。
【在 m*****t 的大作中提到】
: 请您说详细点好么？什么叫怎么拿到的？对于客人来讲就是Lender和broker寄的支票呗
【在 m*****t 的大作中提到】
: 请您说详细点好么？什么叫怎么拿到的？对于客人来讲就是Lender和broker寄的支票呗
m*t
8 楼
没太明白啊，哪个不是在refi之后拿check，哪有没做完就给钱的？我查了IRS的网站，
没有看到要给1099的任何根据
【在 n*******9 的大作中提到】
: 你的rebate如果是在成交后拿check的话，那你的loan officer是要给你个1099的。
没有看到要给1099的任何根据
【在 n*******9 的大作中提到】
: 你的rebate如果是在成交后拿check的话，那你的loan officer是要给你个1099的。
o*p
9 楼
即使成交后再邮支票，我们也不issue 1099.
【在 n*******9 的大作中提到】
: 你的rebate如果是在成交后拿check的话，那你的loan officer是要给你个1099的。
【在 n*******9 的大作中提到】
: 你的rebate如果是在成交后拿check的话，那你的loan officer是要给你个1099的。
l*l
10 楼
请曝broker
p*y
11 楼
也未必，没有一定之规。
作为self-employment的broker，或者自己开个小公司，这部分cost看想怎么走吧，未
必只有开1099给客人这一条路的吧～～
【在 n*******9 的大作中提到】
: 你的rebate如果是在成交后拿check的话，那你的loan officer是要给你个1099的。
作为self-employment的broker，或者自己开个小公司，这部分cost看想怎么走吧，未
必只有开1099给客人这一条路的吧～～
【在 n*******9 的大作中提到】
: 你的rebate如果是在成交后拿check的话，那你的loan officer是要给你个1099的。
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