家里要电汇点钱来给我们DOWN PAY，听说要准备礼物信

[comstar]

家里父母要给我们点钱应付买房子的DOWN PAY，听说还要准备个啥礼物信，说明这个钱是父母的礼物，才能不收税。

有这么档子事情吗？

钱是准备从BANK OF CHINA电汇到我CIBC账户。

 

[kukululu]

如果要贷款的话，是要gift letter的

 

[comstar]

谢谢楼上的
我们的确要贷款买房
不过，能不能详细一点啊，谢谢啦

 

[kukululu]

每个银行的gift letter是不一样的
好像各自有各自的格式
从哪家银行贷款，就找哪家银行要

 

[123abcy]

We received some money from china via TD bank and got mortgage from another small bank. Nobody asked anything about gift letter.

I don't think it is necessary.

 

[苦逼热狗]

如果从5大银行贷款的话基本都需要gift letter，直接找银行要form.

 

[heavenly]

td没要俺的，就借钱给俺了。是不是意味着家里汇的那部分钱要交税啊？

 

[comstar]

谢谢朋友们噢

 

[ccc]

td没要俺的，就借钱给俺了。是不是意味着家里汇的那部分钱要交税啊？

I don't think so.

 

[火焰琥珀]

问下楼主，你父母寄钱给你的话，国内银行要求你父母出示所汇款项的去处了吗？就是说要你出示买房子的价格表啊什么的。谢谢

 

[ALSHN]

新鲜的.

 

[zjhclh]

占个位置,学学

 

[awatto]

I don't understand why gift money for mortgage will not be charged tax. Anyone can explain it?

 

[ccc]

I don't understand why gift money for mortgage will not be charged tax. Anyone can explain it?

There is not such a "gift tax" article from the CRA Web site. So there is no "gift tax" in Canada.

So, gift money is not taxible as it is not income nor earnings, I believe.

I found some discussions on the Web that if the gift is cash, and coming from a family member, there is no tax on either end of the transaction, no matter what the amount.

It also depends on what the gift is for and where it comes from. If it's a gift from a parent/friend and it's after tax dollars then there is no limit. Example if for you birthday your parents give you 10,000 it's fine as long as they are not attempting to deduct the gift for tax purposes on there tax returns through a business statement.

If the gift is from a business/employer then it's taxable from dollar 1.

http://ca.answers.yahoo.com/question/index?qid=20080711081839AAMj9B7

http://www.google.ca/search?hl=en&s...a&meta=&aq=0&aqi=g10&aql=&oq=is+gift+&gs_rfai=

 

[Teddy]

I guess the key point is what kind of taxation rules should be applied to the "additional" money deposited to the payee's account - because such the money is actually an income to the payee...