上月分三次存入12000元,准备贷款买房,结果发现被银行HOLD.

[linlionline]

上月分三次存入12,000元(2,5,5000,间隔三天),准备贷款买房,结果发现被银行HOLD.并且HOLD了全部的(包括以前的).让我们到银行说明,我们已发EMAIL说明,钱是从赌场分次赢的,如果每次只赢几百元,赌场也不会给出证明.且,我也不记得那时间了.这一年我们几乎没有存过钱.要买房时也一起存入的准备首付.不知有没有好办法.银行还要我们写出何时何地赢的.现在可能也不能改成其它方法了.谢谢!

 

[dkwan]

Since the reason is quite obviously not legit. I am not sure how much you have deposit before, other than 12500, which ready for your downpayment for your house. If thats not a lot, the Bank will have all the reason to question: you have winning from casino to make deposit on your house? How can you know you will win from the casino to make the downpayment.

I am not sure the source of your fund, if the winnings are from casino, you can show them your parking receipt, casino privilege card usage, witness that can prove you actually in the casino that sort of things.

If the source of your fund is from friends/family or other channel. You should be telling the truth to the bank and provide appropriate statement of income.

Good luck

 

[stevenw]

Bank need to report to fed. gov. for every deposit >= $5000.
反洗钱措施。

 

[linlionline]

Thanks. but, I have already told them. In fact, it is not all from Casino, some is my income, I have told them. and some,is I bought CostCo cards to my friends, and they give my cash.( once a friend bought $600), annually, it should be $3-4000. I am just have not the habit to deposit every month (no interest). Before I think it is over $7500 at one deposit, the Fed, Gov will ask. Who knows the result if I can not give them a good reason? How about the before Money as well? Thanks.

 

[linlionline]

Thanks a lot. the mortgage is from another bank. I did not gamble all the time. This is our daily usage only.

 

[贱精我是]

上月分三次存入12,000元(2,5,5000,间隔三天),准备贷款买房,结果发现被银行HOLD.并且HOLD了全部的(包括以前的).让我们到银行说明,我们已发EMAIL说明,钱是从赌场分次赢的,如果每次只赢几百元,赌场也不会给出证明.且,我也不记得那时间了.这一年我们几乎没有存过钱.要买房时也一起存入的准备首付.不知有没有好办法.银行还要我们写出何时何地赢的.现在可能也不能改成其它方法了.谢谢!

下次叫上我去赌场，教我玩。

 

[lotus123]

You have put yourself in a very awkward situation. The bank have recorded what you have told them (won from casino), now they only want you to prove that. There are some parties you can't lie to them, banks are one of them. Once they find out your lie to them, you lose your credit.

Maybe you can ask for talking to the bank manager privately and tell him the truth and ask him what can you do. Remember it's their obligation to help you - as their client.

 

[ccc]

在加拿大走现金得千万小心，避免走大金额（超过二、三千）。一旦要求申明资金来源，务必如实填报。如果在电子邮件中白纸黑字写上了什么，再改口就意味着你没有任何信誉可言。

如果你说是在赌场赢的，他们可以去赌场查看录像，可以看到一切情况。而且赌场有输赢记录。

不妨去银行同经理单独谈谈情况。去之前，列个准确的清单，一定要准确，并能提供证据或证人。

 

[ccc]

Bank need to report to fed. gov. for every deposit >= $5000.
反洗钱措施。

实际上，没有那么高的额度。不记得十分准确了，好象存$2,500-3,000的现金，银行就可以让你填个资金来源声明。中国客户多的分行宽容度稍微大点，他们习惯了中国人走现金的情况。

一是有法规，二是老外看到$5,000现金，眼都直了。哈

"两千三千在全是西人的分行就可能被问到。
原则上是上万以上必须问，小额全看给你存钱的人当时的感觉。 "

http://bbs.comefromchina.com/forum117/thread643418.html#post5531350

 

[dkwan]

Banks will not record one time >5000, but will trigger their red flags, if multiple of deposits are under that "allowance". In LZ's case, it is a perfect example.

If you have all the money right away, why not deposit at once at declare your cash deposit.
If buy/sell costco cards for others, you don't need to worry if you did that and tell the bank. Since the bank's interest only why you have lots of cash. If you can show them credit card transactions that you buy x amount of costco gift cards for others, they will accept and WON'T report back to costco.

Who knows the result, a lot of places including but not limited to
FINTRAC and RCMP. I am not sure what they will do, but I am sure some flags are raised if you keep telling them winnings are from casino.

 

[Ayin_Ottawa]

唉，LZ有点小麻烦了。

其实，银行监管的不仅仅是现金。当然现金，特别是数目大而且无法准确解释的，是比较引人注目。

去年，一同学积劳成疾牺牲了。我们海外的同学就给他的家眷捐了钱，由我来汇总。几次到银行存美金支票、兑现英镑支票。后来，出纳就笑着问我是在ebay上开帐号了？我就把同学们捐款的事情告诉了她，她表示深深的同情。后来，钱转给同学的遗孀了。俺有每张支票的scan及通信，以做记录给同学们及政府交代。

LZ看起来在这里也蛮久。难道没有注意各种报道和事例？

先给银行谈。如果他们不接受，你恐怕就要请律师了。

 

[nemobaby]

I think scotiabank will track any money deposite more than $1500 when I bought the house.

 

[ccc]

I think scotiabank will track any money deposite more than $1500 when I bought the house.

YES, 买房凑首付的时候，是最容易引起关注的。

 

[stevenw]

如果LZ在加住了几年，有一定收入来源支持买房，正常报税。这次仅仅是因买房一次性出现存款问题，应迅速解释清楚，化解的可能很大。

 

[苦逼热狗]

存到银行，我办理mortgage的时候就需要父母签gift letter form，写明资金不是父母租借的，是送给我的等等申明。不过如果资金已经存了超过3个月的话，一般不会过问的。