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【兆龙课堂】Eugene律师关于美国移民局新政策以赠予方式证明合法资金来源的总结

更新时间:2015-06-15浏览:

 

美国移民新政策,美国移民政策,美国移民局

  编者按:美国移民局在今年4月22日的电话会议上公布了对以赠予方式证明合法资金来源的新政策,较之以往政策有相当的收紧。6月5日的 EB-5改革法案以有针对性地涉及到了这个问题。总结我所近期的案例及通过与合作所的交流,刘宇和贝特曼联合律师事务所的 Eugene 律师对这个问题作出如下总结,供业内人士参考。

  Eugene 律师介绍

  Eugene Samokhleb律师为美国EB-5投资移民执业律师,为EB-5投资者在移民过程中提供全程指导,并代表投资者与美国移民局、美国国家签证中心和美国海外领事馆处理移民相关事宜。此外,他还负责代表EB-5区域中心获取美国移民局的批准,并代表开发项目寻求外国资本的注入。同时,Samokhleb律师也精通于移民法的其它领域,包括家庭团聚签证、商务签证、诉讼和上诉。在拥有法学院教育背景的同时,Samokhleb律师在不动产法领域有过诸多经历。他曾在纽约市民事法庭实习工作期间研究房屋租赁法,并协助法官起草判决书。他还曾在一家私企有过实习经历,期间其作为出卖人、买受人和贷款人的代表处理不动产交易中的相关事宜。Samokhleb律师拥有纽约州、新泽西州以及第二巡回上诉法院的执业许可,毕业于纽约法学院和纽约城市大学。

  正文:

  For gifts: From now on, gifts should only be from immediate family members (spouse, parent, child, grandparent, or sibling). We cannot use gifts from friends, other relatives, etc any longer. The new law will impose this restriction on gifts, and it is very possible that the law will apply to cases that are already pending, so we want to avoid problems. (And we cannot circumvent this rule by issuing gift from friend to parent, and then from parent to child. That will not work).

  关于赠予问题:

  从现在起,赠予行为仅应发生在直系亲属(即配偶、父母、子女、祖父母或兄弟姊妹)之间。我们不能接受朋友、其他亲属或关系更远的人的赠予。这一对于赠予行为的限制将包含在新的法规中,而新规很有可能将应用于目前正在等候审理的案件,所以我们希望避免问题发生。(我们不能为了规避新规而把朋友的赠予给到父母,再由父母给到孩子,这样做是行不通的。)

  For loans:

  关于贷款问题:

  1. PA is sole owner of collateral and sole borrower of loan:

  1.主申请人是抵押物的唯一所有人和贷款的唯一借款人:

  This is the cleanest case.

  这是最无瑕疵的情况。

  2. PA and spouse jointly own collateral and PA is sole borrower:

  2.主申请人和配偶是抵押物的共有人,主申请人是唯一借款人:

  This is also ok.

  这样也没问题。

  3. PA and spouse jointly own collateral and spouse is sole borrower:

  3.主申请人和配偶是抵押物的共有人,配偶是唯一借款人:

  In this case, spouse has to gift loan proceeds to PA, but it is best to avoid this situation anyway.

  在这种情况下,配偶必须把贷款赠予主申请人,但最好能避免这种情况。

  4. PA and spouse jointly own collateral, and both spouses are co-borrowers:

  4.主申请人和配偶是抵押物的共有人,且同时还是共同借款人:

  We do not know yet if this is ok or not. If it happens, it's best to also include a gift agreement where the spouse gifts his portion of the loan to the PA. But it's best to avoid this situation.

  目前为止我们还不确定这种情况是否可行。如果发生了这样的情况,那么最好附上一份赠予协议,说明配偶将其所占有部分的贷款赠予给了主申请人。但最好避免这种情况。

  5. Spouse solely owns the collateral:

  5.配偶是抵押物的唯一所有人:

  This situation can go 2 ways)

  可能会有两种情况:

  a) If spouse purchased the property before the marriage, then spouse must be the borrower and must make gift to PA.

  a)如果配偶是在婚前购买房产的,配偶必须作为借款人并将贷款赠予主申请人。

  b) If spouse purchased the property after the marriage, then the property is considered community property and should be ok. But gift agreement should may be included, just to be safe.

  b)如果配偶是在婚后购买房产的,房产可以被视为夫妻共有财产。但为了安全起见还是建议附上赠予协议予以说明。

  But if possible, it's best to avoid this situation.

  但如果可能还是最好避免这种情况。

  6. Collateral is owned by 3rd party (parent, child, sibling, etc).

  6.第三方(父母、子女、兄弟姊妹等)是抵押物的所有人。

  Gift is needed necessary from owner to PA.

  主申请人接受的赠予必须是来自于抵押物所有人。

  7. Collateral is jointly owned by PA and 3rd party:

  7.主申请人和第三方是抵押物的共有人:

  a) All parties must be co-borrowers

  a)所有各方都必须是共同借款人。

  b) PA must be listed as the PRIMARY borrower, and co-borrowers must be listed as SECONDARY borrowers. The loan has to somehow show that the PA is has "primary responsibility" for the loan.

  b)主申请人必须是主要借款人,而所有共同借款人必须是从属借款人。主申请人必须证明其对于贷款承担“主要责任”。

  c) Gift agreement is ALSO necessary.

  c)必须附上赠予协议。

  It is highly advisable to avoid this situation.

  强烈建议避免这种情况。

  8. Alternatively, in complicated cases they can also transfer the title and deed to the PA, though this is a complicated process. This would be the best way to achieve success in a situation like #7 above.

  8.另外还有更复杂的情况,就是其他人可以将房产的所有权和所有权证书转让给主申请人,尽管这牵涉到一个十分复杂的流程。但是这样做是在上述第7种情况下取得成功的最好方法。

原文链接:http://www.zhaolong.net/usa/zc/2015063330.html(0)

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