S********g
发帖数: 45 | 1 第一次买房 和bf一起买
由于bf刚到美国 credit score很低
所以我们两个人在title上但是只有我一个人在loan上
现在的问题是 除了自己付首付 我也需要bf的钱
loan officer建议我从bf那里拿gift money
可以gift money只有relative 或者 spouse才可以给
而且每年只能给13000或者以下才能免税
我需要bf给我多于13000
除了让父母从国内付钱之外 还有什么其他办法啊
多谢 | j***k
发帖数: 2719 | 2 all your information is wrong.
if the gifter is a US resident, he/she could give out $13K to 1 person/yr
without reporting this to the US. If the amount is greater than $13K per
person, he/she would have to report it, but still no tax due until the total
amount he/she gives in his/her lifetime exceeds $3.5 mil or 5 mil, i forgot
the exact number.
If the gifter is not a US resident, then there would not be any issue at all
.
Giftee would never have to pay any tax, regardless of how much he recieved.
Wiring money from China directly is fine, as long as the money sits in the
bank for at least 2months before you applying for your mortgage. | d******n
发帖数: 2712 | 3 税方面楼上说的很清楚的了。
不过，bf给gift恐怕会有问题，确实是亲属或配偶比较好些。LZ还有亲戚在米国么？曲
折点儿，请某个uncle啥的出gift，让bf把钱还上就是了。 | t**********j
发帖数: 382 | 4 Alternately, if you can pay 10% or more and are qualified for the loan,
close the house with mortgage insurance (MI). You can pay extra principal
later to cancel the MI.Don't take FHA loans, you have to pay MI for 5 years
(assuming 30 year mortgage) no matter how much you pay down within these 5
years. |
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