求问美国借钱买房# Money - 海外理财
s*l
1 楼
之前听人说如果跟在美国的亲戚借钱买房，需要做成gift的形式？但貌似挺麻烦的。不
知道可否直接做成personal loan。这样会有什么问题吗？也要交税吗？
谢谢。
知道可否直接做成personal loan。这样会有什么问题吗？也要交税吗？
谢谢。
a*t
2 楼
gift is a bad idea, you will be paying gift tax, there is an annual limit.
you can also make a personal loan but of course you need to pay it back,
otherwise it becomes a gift. you need to pay some interest, either periodic
or imputed (loan note sold at discount). if so then you get to deduct
mortgage interest while your relative pays taxes on dividends or capital
gain. you just need to draw up the proper legal documentation.
btw if you pay no interest or substantially below-market rates with no cause
then there is the very real possibility that you will have to explain to
the IRS how you did not receive a gift in the amount of interest you did not
have to pay. IRS sets some "minimum" rates on loans:
http://www.marketwatch.com/story/how-to-lend-money-to-a-relative-without-getting-whacked-by-the-irs-2015-05-12
you can also make a personal loan but of course you need to pay it back,
otherwise it becomes a gift. you need to pay some interest, either periodic
or imputed (loan note sold at discount). if so then you get to deduct
mortgage interest while your relative pays taxes on dividends or capital
gain. you just need to draw up the proper legal documentation.
btw if you pay no interest or substantially below-market rates with no cause
then there is the very real possibility that you will have to explain to
the IRS how you did not receive a gift in the amount of interest you did not
have to pay. IRS sets some "minimum" rates on loans:
http://www.marketwatch.com/story/how-to-lend-money-to-a-relative-without-getting-whacked-by-the-irs-2015-05-12
a*t
3 楼
X，只有我在正经回答“海外理财”问题，满版的wsn/v眼里全是洗钱。
x*6
4 楼
父母给钱可以用gift吧？
c*2
5 楼
if no bank/lender loan is involved and you use cash entirely to buy a house,
it doesn't need gift letter. Gift letter is only for bank to feel good
that money is no liability for you to payback to others (other than the bank
).
it doesn't need gift letter. Gift letter is only for bank to feel good
that money is no liability for you to payback to others (other than the bank
).
m*g
6 楼
Don't believe everything online if it is not your personal experience
periodic
cause
not
【在 a****t 的大作中提到】
: gift is a bad idea, you will be paying gift tax, there is an annual limit.
: you can also make a personal loan but of course you need to pay it back,
: otherwise it becomes a gift. you need to pay some interest, either periodic
: or imputed (loan note sold at discount). if so then you get to deduct
: mortgage interest while your relative pays taxes on dividends or capital
: gain. you just need to draw up the proper legal documentation.
: btw if you pay no interest or substantially below-market rates with no cause
: then there is the very real possibility that you will have to explain to
: the IRS how you did not receive a gift in the amount of interest you did not
: have to pay. IRS sets some "minimum" rates on loans:
periodic
cause
not
【在 a****t 的大作中提到】
: gift is a bad idea, you will be paying gift tax, there is an annual limit.
: you can also make a personal loan but of course you need to pay it back,
: otherwise it becomes a gift. you need to pay some interest, either periodic
: or imputed (loan note sold at discount). if so then you get to deduct
: mortgage interest while your relative pays taxes on dividends or capital
: gain. you just need to draw up the proper legal documentation.
: btw if you pay no interest or substantially below-market rates with no cause
: then there is the very real possibility that you will have to explain to
: the IRS how you did not receive a gift in the amount of interest you did not
: have to pay. IRS sets some "minimum" rates on loans:
a*t
7 楼
don't assume anything when you don't know anything about somebody else.
【在 m****g 的大作中提到】
: Don't believe everything online if it is not your personal experience
:
: periodic
: cause
: not
【在 m****g 的大作中提到】
: Don't believe everything online if it is not your personal experience
:
: periodic
: cause
: not
i*0
8 楼
用gift money做loan的情况多得很
常见是国内刚过来的钱买房子，loan agent没法直接做，wire给配偶，配偶写gift
letter，没有税的问题，loan也能做下来
也有国内父母gift，外国人gift不需要税
LZ看起来像要跟亲戚借钱，那就私下借，发给配偶写gift letter
periodic
cause
not
【在 a****t 的大作中提到】
: gift is a bad idea, you will be paying gift tax, there is an annual limit.
: you can also make a personal loan but of course you need to pay it back,
: otherwise it becomes a gift. you need to pay some interest, either periodic
: or imputed (loan note sold at discount). if so then you get to deduct
: mortgage interest while your relative pays taxes on dividends or capital
: gain. you just need to draw up the proper legal documentation.
: btw if you pay no interest or substantially below-market rates with no cause
: then there is the very real possibility that you will have to explain to
: the IRS how you did not receive a gift in the amount of interest you did not
: have to pay. IRS sets some "minimum" rates on loans:
常见是国内刚过来的钱买房子，loan agent没法直接做，wire给配偶，配偶写gift
letter，没有税的问题，loan也能做下来
也有国内父母gift，外国人gift不需要税
LZ看起来像要跟亲戚借钱，那就私下借，发给配偶写gift letter
periodic
cause
not
【在 a****t 的大作中提到】
: gift is a bad idea, you will be paying gift tax, there is an annual limit.
: you can also make a personal loan but of course you need to pay it back,
: otherwise it becomes a gift. you need to pay some interest, either periodic
: or imputed (loan note sold at discount). if so then you get to deduct
: mortgage interest while your relative pays taxes on dividends or capital
: gain. you just need to draw up the proper legal documentation.
: btw if you pay no interest or substantially below-market rates with no cause
: then there is the very real possibility that you will have to explain to
: the IRS how you did not receive a gift in the amount of interest you did not
: have to pay. IRS sets some "minimum" rates on loans:
a*t
9 楼
first of all, the relative is in the US, so definitely subject to gift tax
above certain limits. second, the gift letter is not the point, you can
write any letter you want but if it is ever expected to be paid back it is
not a gift and if the IRS ever audits you you are going to have a great time
with them.
if it's a loan, structure it like a loan. it benefits both people.
【在 i*******0 的大作中提到】
: 用gift money做loan的情况多得很
: 常见是国内刚过来的钱买房子，loan agent没法直接做，wire给配偶，配偶写gift
: letter，没有税的问题，loan也能做下来
: 也有国内父母gift，外国人gift不需要税
: LZ看起来像要跟亲戚借钱，那就私下借，发给配偶写gift letter
:
: periodic
: cause
: not
above certain limits. second, the gift letter is not the point, you can
write any letter you want but if it is ever expected to be paid back it is
not a gift and if the IRS ever audits you you are going to have a great time
with them.
if it's a loan, structure it like a loan. it benefits both people.
【在 i*******0 的大作中提到】
: 用gift money做loan的情况多得很
: 常见是国内刚过来的钱买房子，loan agent没法直接做，wire给配偶，配偶写gift
: letter，没有税的问题，loan也能做下来
: 也有国内父母gift，外国人gift不需要税
: LZ看起来像要跟亲戚借钱，那就私下借，发给配偶写gift letter
:
: periodic
: cause
: not
a*t
10 楼
right, these are two issues, gift letter is just to show it's a gift to a
bank who wants to put a lien on the whole house, tax issues involving the
gift is another matter.
: if no bank/lender loan is involved and you use cash entirely to buy a
house,
: it doesn't need gift letter. Gift letter is only for bank to feel
good
: that money is no liability for you to payback to others (other than
the bank
: ).
【在 c**2 的大作中提到】
: if no bank/lender loan is involved and you use cash entirely to buy a house,
: it doesn't need gift letter. Gift letter is only for bank to feel good
: that money is no liability for you to payback to others (other than the bank
: ).
bank who wants to put a lien on the whole house, tax issues involving the
gift is another matter.
: if no bank/lender loan is involved and you use cash entirely to buy a
house,
: it doesn't need gift letter. Gift letter is only for bank to feel
good
: that money is no liability for you to payback to others (other than
the bank
: ).
【在 c**2 的大作中提到】
: if no bank/lender loan is involved and you use cash entirely to buy a house,
: it doesn't need gift letter. Gift letter is only for bank to feel good
: that money is no liability for you to payback to others (other than the bank
: ).
y*i
11 楼
if you and your relative are close, no need to go through all these
formalities
he/she gives you a check, you deposit it in your account, after 3 statement
cycles it is your money, do whatever you want with it
pay agreed upon interest to your relative
【在 s****l 的大作中提到】
: 之前听人说如果跟在美国的亲戚借钱买房，需要做成gift的形式？但貌似挺麻烦的。不
: 知道可否直接做成personal loan。这样会有什么问题吗？也要交税吗？
: 谢谢。
formalities
he/she gives you a check, you deposit it in your account, after 3 statement
cycles it is your money, do whatever you want with it
pay agreed upon interest to your relative
【在 s****l 的大作中提到】
: 之前听人说如果跟在美国的亲戚借钱买房，需要做成gift的形式？但貌似挺麻烦的。不
: 知道可否直接做成personal loan。这样会有什么问题吗？也要交税吗？
: 谢谢。
c*g
12 楼
你美国的亲戚要交gift tax，你不用交。
如果是loan的话，至少要过三个月，bank statement上面看不到才好看。
你在中国的父母（没绿卡的话）给你钱，不用交gift tax，你也不用交。
所以你美国亲戚可以付我的信用卡，然后我把人民币给你父母，你父母转美元给你。
【在 s****l 的大作中提到】
: 之前听人说如果跟在美国的亲戚借钱买房，需要做成gift的形式？但貌似挺麻烦的。不
: 知道可否直接做成personal loan。这样会有什么问题吗？也要交税吗？
: 谢谢。
如果是loan的话，至少要过三个月，bank statement上面看不到才好看。
你在中国的父母（没绿卡的话）给你钱，不用交gift tax，你也不用交。
所以你美国亲戚可以付我的信用卡，然后我把人民币给你父母，你父母转美元给你。
【在 s****l 的大作中提到】
: 之前听人说如果跟在美国的亲戚借钱买房，需要做成gift的形式？但貌似挺麻烦的。不
: 知道可否直接做成personal loan。这样会有什么问题吗？也要交税吗？
: 谢谢。
a*t
13 楼
lol，这一查更糟糕，美国亲戚帮你付信用卡是给了你gift，你也给了gift，按理说都
要报Form 709。从非美国人收到gift超过一定数字按理说也要报Form 3520，结果是给
了IRS三份报告还漏了个洗钱嫌疑。
当然他亲戚也不用立即交gift tax，只是潜在的减少了遗产税的headroom。
【在 c********g 的大作中提到】
: 你美国的亲戚要交gift tax，你不用交。
: 如果是loan的话，至少要过三个月，bank statement上面看不到才好看。
: 你在中国的父母（没绿卡的话）给你钱，不用交gift tax，你也不用交。
: 所以你美国亲戚可以付我的信用卡，然后我把人民币给你父母，你父母转美元给你。
要报Form 709。从非美国人收到gift超过一定数字按理说也要报Form 3520，结果是给
了IRS三份报告还漏了个洗钱嫌疑。
当然他亲戚也不用立即交gift tax，只是潜在的减少了遗产税的headroom。
【在 c********g 的大作中提到】
: 你美国的亲戚要交gift tax，你不用交。
: 如果是loan的话，至少要过三个月，bank statement上面看不到才好看。
: 你在中国的父母（没绿卡的话）给你钱，不用交gift tax，你也不用交。
: 所以你美国亲戚可以付我的信用卡，然后我把人民币给你父母，你父母转美元给你。
a*t
14 楼
right, if you still need to take a loan from the bank so cannot or don't
care to deduct mortgage interest on the loan from the relatives, then just
take a personal loan from them with no collateral and no need to do anything
special. the only taxable event then is the relatives receiving interest
income. even if they don't charge interest technically the foregone interest
is taxable.
of course, just like waitress tips this can be a gray area.
statement
【在 y****i 的大作中提到】
: if you and your relative are close, no need to go through all these
: formalities
: he/she gives you a check, you deposit it in your account, after 3 statement
: cycles it is your money, do whatever you want with it
: pay agreed upon interest to your relative
care to deduct mortgage interest on the loan from the relatives, then just
take a personal loan from them with no collateral and no need to do anything
special. the only taxable event then is the relatives receiving interest
income. even if they don't charge interest technically the foregone interest
is taxable.
of course, just like waitress tips this can be a gray area.
statement
【在 y****i 的大作中提到】
: if you and your relative are close, no need to go through all these
: formalities
: he/she gives you a check, you deposit it in your account, after 3 statement
: cycles it is your money, do whatever you want with it
: pay agreed upon interest to your relative
r*a
15 楼
还是没说到点上，除非你亲戚以后有500万遗产留给子女，不然真不是什么问题。
【在 a****t 的大作中提到】
: lol，这一查更糟糕，美国亲戚帮你付信用卡是给了你gift，你也给了gift，按理说都
: 要报Form 709。从非美国人收到gift超过一定数字按理说也要报Form 3520，结果是给
: 了IRS三份报告还漏了个洗钱嫌疑。
: 当然他亲戚也不用立即交gift tax，只是潜在的减少了遗产税的headroom。
【在 a****t 的大作中提到】
: lol，这一查更糟糕，美国亲戚帮你付信用卡是给了你gift，你也给了gift，按理说都
: 要报Form 709。从非美国人收到gift超过一定数字按理说也要报Form 3520，结果是给
: 了IRS三份报告还漏了个洗钱嫌疑。
: 当然他亲戚也不用立即交gift tax，只是潜在的减少了遗产税的headroom。
t*r
16 楼
你不是第一手经验吧，别四处copy paste了
periodic
cause
not
【在 a****t 的大作中提到】
: gift is a bad idea, you will be paying gift tax, there is an annual limit.
: you can also make a personal loan but of course you need to pay it back,
: otherwise it becomes a gift. you need to pay some interest, either periodic
: or imputed (loan note sold at discount). if so then you get to deduct
: mortgage interest while your relative pays taxes on dividends or capital
: gain. you just need to draw up the proper legal documentation.
: btw if you pay no interest or substantially below-market rates with no cause
: then there is the very real possibility that you will have to explain to
: the IRS how you did not receive a gift in the amount of interest you did not
: have to pay. IRS sets some "minimum" rates on loans:
periodic
cause
not
【在 a****t 的大作中提到】
: gift is a bad idea, you will be paying gift tax, there is an annual limit.
: you can also make a personal loan but of course you need to pay it back,
: otherwise it becomes a gift. you need to pay some interest, either periodic
: or imputed (loan note sold at discount). if so then you get to deduct
: mortgage interest while your relative pays taxes on dividends or capital
: gain. you just need to draw up the proper legal documentation.
: btw if you pay no interest or substantially below-market rates with no cause
: then there is the very real possibility that you will have to explain to
: the IRS how you did not receive a gift in the amount of interest you did not
: have to pay. IRS sets some "minimum" rates on loans:
t*r
17 楼
不建议做personal loan，因为这是additional debt，在贷款的时候银行要考虑总共的
还款数额
像老余说的提前把钱转过来，等三个statement是最好的方法。贷款只看前两个月的
statement，其中的大额转账会要求解释
公民和绿卡可以给的tax free gift有每年的额度和lifttime的额度。H1的就无所谓了
【在 s****l 的大作中提到】
: 之前听人说如果跟在美国的亲戚借钱买房，需要做成gift的形式？但貌似挺麻烦的。不
: 知道可否直接做成personal loan。这样会有什么问题吗？也要交税吗？
: 谢谢。
还款数额
像老余说的提前把钱转过来，等三个statement是最好的方法。贷款只看前两个月的
statement，其中的大额转账会要求解释
公民和绿卡可以给的tax free gift有每年的额度和lifttime的额度。H1的就无所谓了
【在 s****l 的大作中提到】
: 之前听人说如果跟在美国的亲戚借钱买房，需要做成gift的形式？但貌似挺麻烦的。不
: 知道可否直接做成personal loan。这样会有什么问题吗？也要交税吗？
: 谢谢。
m*r
18 楼
关键是要华人代理、华人银行...
美国人看的很紧。 我卖了股票的入帐，他们都要求看一下成交纪录。 而且绝对不是只
看前两个月。
美国人看的很紧。 我卖了股票的入帐，他们都要求看一下成交纪录。 而且绝对不是只
看前两个月。
t*r
19 楼
“绝对不是只看前两个月” 麻烦给出你的具体案例。我知道的在几个大银行的例子都
是两个账单
【在 m***r 的大作中提到】
: 关键是要华人代理、华人银行...
: 美国人看的很紧。 我卖了股票的入帐，他们都要求看一下成交纪录。 而且绝对不是只
: 看前两个月。
是两个账单
【在 m***r 的大作中提到】
: 关键是要华人代理、华人银行...
: 美国人看的很紧。 我卖了股票的入帐，他们都要求看一下成交纪录。 而且绝对不是只
: 看前两个月。
相关阅读
请问 UA vs AV vs ANA 里程票搜索的问题IAD-HKG国泰最长程商务舱体验以及行李没跟上怎么办AMEX 升降机的问题ANA的waiting list一般有希望吗？Barclay 又收年费了，不想再用了，请问有什么好的方法把mile用完再关卡吗？Chase IHG 关卡会影响已经获得的Free Night吗IHG Card Free night的问题AMEX 白金卡副卡工行app中国速汇美国换汇问题求问：xfinity mobile换户主应该主动降低现有chase卡的额度吗amex mr点数转别人aeroplan？几个月花几千块钱大家都怎么花？Altitude Reserve链接Hyatt 帐号和AA帐号，得免费AA级别平均年工资6万多的中国人民，过的是什么日子？IAD附近long term parking哪里便宜点啊如何查到信用卡什么时候开的？ollo optimum mastercard 2.5% cashback白金卡那个用机场贵宾室，副卡可以带人吗