j*****2
发帖数: 163 | 1 最近打算买房可是没有首付，看了20万的房子，想跟亲戚借4万，问了贷款agent说要写
gift letter。 这样会有税的问题吗？agent跟我说lender是不会报告IRS的，不知道是
不是真的。不知道银行看到这么大的transaction会不会报到IRS。求省版的高人指教？
我是会还亲戚的所以这不是真的gift | t**********2
发帖数: 185 | 2 If you give people a lot of money or property, you might have to pay a
federal gift tax. But most gifts are not subject to the gift tax. For
instance, you can give up to the annual exclusion amount ($14,000 in 2013)
to any number of people every year, without facing any gift taxes.
Recipients generally never owe income tax on the gifts.
In addition to the annual gift amount, your can give a total of up to $5.25
million starting in 2013 in your lifetime before you start owing the gift
tax. If you give $16,000 each to ten people in 2013, for example, you'd use
up $20,000 of your $5.25 million lifetime tax-free limit—ten times the $2,
000 by which your $16,000 gifts exceed the $14,000 per-person annual gift-
free amount for 2013.
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