收到70万美元汇款会有麻烦吗?

我爱江米团青
楼主 (文学城)

我的哥哥在国内,最近想在美国帮孩子买房。想汇70万美元到我的账户,然后由我转付现款买房。因为种种原因,他必须汇款给我,我也不好拒绝。想问问,这样做的话,以后会不会对我在税收或者其他的方面有麻烦?多谢!

l
la_Butterfly
为什么不汇自己孩子户头?现在国内的钱不是不好出来了吗?
柠檬椰子汁
Not the problem you are thinking of.

The real problem is, if you were hit by a truck tomorrow, who would give the money to your niece/nephew?  

It's better to sign a promisory note (debt note) saying you borrowed this money from your brother and if you die the money goes back to him or his kids. 

The same promisory note can be used to show IRS that you didn't earn this money, in case they are checking on you. 

$700K is a lot of money, you guys are so careless. 
 

Another problem is that estate tax for foreigners starts at $60K.  Anything over $60K is subject to 40% estate tax.  Think it over. 

V
Versailles
这个可能会上"watching list"吧
柠檬椰子汁
suspicious transaction report? Maybe, maybe not.

http://fiubelize.org/types-of-suspicious-activities-or-transactions/

 

我爱江米团青
想问问柠檬椰子汁

首先谢谢您的答复和提醒!

我想问问promisory note 在哪里办?我哥在国内,可以远程办吗?

还想问问estate tax for foreigners 40%是怎么回事?如果房子100万,他要交40万的税吗?是交易税还是每年的税?谢谢!

d
dlui02
你哥是中国公民的话税收方面没什么问题,好像占用500万遗产税免税额度。关键现在国内能让你汇70万?
我爱江米团青
对我的税收有没有问题?

国内汇款都安排好了,没问题。谢谢!

柠檬椰子汁
Reply

1. promissory note

You can google online for a PDF, fill out the numbers and sign it with a local notary and mail to your brother. In case you die, your brother can rely on this note to participate the division of your estate (遗产) 

2., estate tax = 遗产税

Assuming your brother or his kids are not green card or US citizen, just foreign nationals.  If they own the house and if they die, the house is their estate (遗产), only 60K is exempt from estate tax of 40%.

The exemption for US persons are 5.5 million, but the exemption of estate tax for foreigner is only $60K.  So if the house is 1 mil, $940,000 are subject to 40% estate tax.   

https://www2.deloitte.com/content/dam/Deloitte/us/Documents/Tax/us-tax-us-estate-and-gift-tax-rules-for-resident-and-nonresident-aliens.pdf 

It is probably worth it to have consult an estate lawyer before buying a house in US. 

我爱江米团青
对我本人在美国交税和别的方面有没有影响?

多谢答复!我会做promissory note。我还想问:

1. 收到70万对我在美国的税收,和别的方面有没有影响?

2. 我哥买房的交易税和以后每年的地产税会很高吗? 或者说会不会比禄卡公民的高?

多谢!

师姐
每年只能会5万,你难道不知道吗?
Q
Qiqimomca
????
h
hz82000
房子直接买在儿子名下是不是没有遗产税了?
T
TUCSON2008
厉害
l
lachisgo
为啥不直接汇到escrow company?
平静心北美
直接问你的银行,我以前问过,一次汇比多次安全
b
boiler
SUMMARY OF GIFT TAX RULES FOR NON-CITIZENS

"Generally, nonresident aliens are subject to gift tax only on transfers of real or tangible personal property situated in the U.S. Thus, gifts of intangible property by a nonresident alien are generally exempt from gift tax. Property that is not considered intangible property (thus subject to gift tax) at the time of the transfer includes: (i) real property within the U.S., (ii) tangible personal property situated within the U.S. and (iii) U.S or foreign currency or cash within the U.S. As mentioned earlier, it is important to note that situs rules differ between the gift and estate tax laws. For example, a gift of cash on deposit in a U.S bank is tangible personal property for gift tax purposes but not for estate tax purposes. Furthermore, the gift of stock in a domestic corporation is an intangible asset exempt from gift tax, but that same stock if transferred at death (by will or intestacy) would be subject to estate tax."

http://www.sgrlaw.com/newsletter/newsletters/trusts_estates_trends/trustsnestatestrends_winter11/1622-2/

柠檬椰子汁
没有影响,只要你手里有借条或者委托书
柠檬椰子汁
就怕万一儿子先死了
L
Lydia0108
你的美国的银行会报告任何超过一万美金的转账汇款,而且国内得有多大本事汇出那么多美金,一人每年才五万限额,现在好像又降了。除非用香
L
Lydia0108
?
L
Lydia0108
?
h
hhtt
什么麻烦?只要遵守美国税法!70万美元汇来,是你哥的事,你只要管住你这边!

http://blog.wenxuecity.com/myblog/72332/201802/31548.html

 

柠檬椰子汁
不是,是一万现金,不是转账
s
sweetptt
每年40%

我先坐下来喘口气

毛人
I am Hairyman. I approve this message.
s
sweetptt
柠檬又开启杞人忧天模式

你说的也对。我们开公司前不得不去听讲的课程老师跟你说的一样

 

h
hhtt
对,直接用儿子的名字买!
h
hhtt
哈哈哈,毛人兄,下一届总统大选,我一定选你!
柠檬椰子汁
事先计划一下不花时间,免得以后尴尬
h
hz82000
让儿子写一张借条?
s
slow_quick
前怕狼后怕虎的,汇到我瑞士银行吧,我发誓不对任何人讲
1
17叔
呵呵
1
17叔
呵呵
柠檬椰子汁
死一次40%
1
17叔
呵呵
1
17叔
呵呵
1
17叔
呵呵
笑薇.
这会不会怀疑是洗钱而被查?
老虎滩
收到70万美元的汇款肯定不会有什么麻烦,收到70亿美元的汇款有可能有问题。
夏茗
你收到70万美元后,以什么名义转给你的侄儿呢,gifts?