建议把房子卖给自己孩子，不用卖市场价(ZT)

Sell the house to your child at a discount.

What if your child is not in a financial position to afford your house at full price? Unfortunately, this is not an advantageous situation for you as a parent.

If you sell your house to a perfect stranger for less than its FMV, then you can take a loss. It was a bad sale, but the IRS doesn’t care because it’s an arms-length deal.

But if you try to sell your house to a relative, aka your child, for less than its FMV, the IRS considers this a gift, and won’t simply let you take a loss on the sale. This is a related-party sale, and you will either have to use your Annual Gift-Tax Exclusion and a large amount of your Estate Tax Exemption to offset the sale, or pay gift taxes if you choose not to whittle away your exemption.

Your child’s basis in the house is also lower—the lower sale price will become their basis for any future sales and could result in higher capital gains taxes down the road.

Example:
Say you want to sell your house to your child for $1. You think it’s a smart deal, but really, it puts everyone at a disadvantage. According to Gross, “If the FMV of your house is $500,000, and you sell your house for $1, you are essentially giving your child a $499,999 gift.”

You can exclude from taxes up to $30,000 of this gift (if you’re married) under the Gift-Tax Exclusion. This leaves $469,000 that you now either have to pay gift tax on or must exclude from your Estate Tax Exemption of $11.18 million.

As we mentioned earlier, your Estate Tax Exemption can probably take a one-time hit since it is so high this year. But keep doing this with the next house, and the next, you’re going to have no Exemption left to exclude your final estate when you really need it. Remember, as of now, the $11.18 million is only until 2025.

(  ZT)

所有跟帖： 

• 都是馊主意。主要是可能要付transfer tax。 -柠檬椰子汁- ♂    (0 bytes) (29 reads) 10/28/2021 postreply 08:30:49

• transfer tax只百分之几，卖给他人也要交的，每个county的规则不同，有的全是买方，有的买方卖方各半。 -OrangeBread- ♀    (0 bytes) (6 reads) 10/28/2021 postreply 08:34:09

• 如果没有小孩房子肯定不脱手，给小孩只是为了肥水不流外人。完全没有必要。 -柠檬椰子汁- ♂    (0 bytes) (11 reads) 10/28/2021 postreply 08:51:30

• 看了一小半就不用看了。1.没说低于当初的cost卖给小孩。2. 目前有11米的遗产以上才交税。要是我有11米多，就不用考虑这些， -OrangeBread- ♀    (216 bytes) (141 reads) 10/28/2021 postreply 08:31:24

• 不用差那么多，50万的房30万卖给亲戚子女才是大多数人在干的事 -小落- ♀    (0 bytes) (27 reads) 10/28/2021 postreply 08:42:00

• 有这么麻烦么，做个PRIVATE LOAN不就完了。 -borisg- ♂    (0 bytes) (18 reads) 10/28/2021 postreply 08:43:51

• 可以低价卖给儿媳妇或女婿。按IRS的定义，In-Laws 不算Relative。 -shanzhongke- ♂   (0 bytes) (20 reads) 10/28/2021 postreply 09:29:34

• 老中才不会 -越王剑- ♂    (62 bytes) (206 reads) 10/28/2021 postreply 09:59:15

• 心好大，信得过儿媳吗？ -柠檬椰子汁- ♂    (92 bytes) (127 reads) 10/28/2021 postreply 11:27:11