p******l
发帖数: 69 | 1 不好意思有个问题非常急，希望有大牛能指点一二。
我LD是一个公司的CEO，现在买房有一笔3万美元的款项要汇给我们做downpay, 由于各
种原因，只有两种选择，要么从另一个州的姐妹公司帐户汇到他的公司户头，要么从香
港的母公司汇到他的公司户头，然后他再从公司帐户转到我们的私人账户，最后close
的时候汇给escrow, 我们想知道这个从公司帐户到他个人账户的钱需要和lender解释么
？需要交税吗？不知道说明白没有，或者我们应该咨询谁啊。非常感谢！ | x****u
发帖数: 473 | 2 in my point of view, as long as the company gets the money before you
withdraw the money from the company's bank account, you should be fine.
however, I would suggest you put a note for withdrawal identifying when the
money come in to the company's bank account for possible future use.
however, if you withdraw money before the company gets it, there may be
treated differently. | p******l
发帖数: 69 | 3 thanks!!!
the
【在 x****u 的大作中提到】
: in my point of view, as long as the company gets the money before you
: withdraw the money from the company's bank account, you should be fine.
: however, I would suggest you put a note for withdrawal identifying when the
: money come in to the company's bank account for possible future use.
: however, if you withdraw money before the company gets it, there may be
: treated differently.
| h***b
发帖数: 1233 | 4 lenders usually don't "like" self-employed borrower. actually they apply
much stricter requirements. if you happen to be both "employee" and "ceo"
of a company, and using W-2 income to qualify, don't mention you're ceo--it'
s not a req'd disclosure. but if lender finds out, they'll ask for more
such as ownership and so forth.
further complicate things, if the company is sole proprietorship,
partnership, LLC, s-corp, which mean company profit/loss eventually flows to
personal tax returns, lender will for sure ask for company financial.
assume you can separate the company, whatever funds you use to qualify, must
show source. question becomes how you withdraw the money from company. if
it's thru payroll, e.g. bonus, it's perfectly fine. bank doesn't care how/
where the company gets the money from.
hope this helps.
close
【在 p******l 的大作中提到】
: 不好意思有个问题非常急，希望有大牛能指点一二。
: 我LD是一个公司的CEO，现在买房有一笔3万美元的款项要汇给我们做downpay, 由于各
: 种原因，只有两种选择，要么从另一个州的姐妹公司帐户汇到他的公司户头，要么从香
: 港的母公司汇到他的公司户头，然后他再从公司帐户转到我们的私人账户，最后close
: 的时候汇给escrow, 我们想知道这个从公司帐户到他个人账户的钱需要和lender解释么
: ？需要交税吗？不知道说明白没有，或者我们应该咨询谁啊。非常感谢！
| p******l
发帖数: 69 | 5 也谢谢这位的回答。好在我LD不在loan上，只有我在loan上，他只负责把所有的
downpay都收来存到我的账户上。那这样说来从公司帐户汇钱到他个人账户还好是吧？
是从香港汇还是从外州汇好呢，有区别吗？谢谢楼上两位了。
it'
to
must
if
【在 h***b 的大作中提到】
: lenders usually don't "like" self-employed borrower. actually they apply
: much stricter requirements. if you happen to be both "employee" and "ceo"
: of a company, and using W-2 income to qualify, don't mention you're ceo--it'
: s not a req'd disclosure. but if lender finds out, they'll ask for more
: such as ownership and so forth.
: further complicate things, if the company is sole proprietorship,
: partnership, LLC, s-corp, which mean company profit/loss eventually flows to
: personal tax returns, lender will for sure ask for company financial.
: assume you can separate the company, whatever funds you use to qualify, must
: show source. question becomes how you withdraw the money from company. if
| h***b
发帖数: 1233 | 6 what's LD？ if relative, better for money from his/her personal acct to your
personal acct. best let money go in first, write you a check during the
next bank statement cycle. i.e. the money in and out won't show on the same
bank statement. your relative will need to do a gift letter for the money
you receive.
how/where money comes into relative's acct is irrelevant.
【在 p******l 的大作中提到】
: 也谢谢这位的回答。好在我LD不在loan上，只有我在loan上，他只负责把所有的
: downpay都收来存到我的账户上。那这样说来从公司帐户汇钱到他个人账户还好是吧？
: 是从香港汇还是从外州汇好呢，有区别吗？谢谢楼上两位了。
:
: it'
: to
: must
: if
| p******l
发帖数: 69 | 7 hehe,谢谢，LD是我老公。
your
same
money
【在 h***b 的大作中提到】
: what's LD？ if relative, better for money from his/her personal acct to your
: personal acct. best let money go in first, write you a check during the
: next bank statement cycle. i.e. the money in and out won't show on the same
: bank statement. your relative will need to do a gift letter for the money
: you receive.
: how/where money comes into relative's acct is irrelevant.
|
|
