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发表于 2014-5-31 14:51:25
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Just a quick thought..
If you haven't bought a house before, then he/she will use yours (unless agreed to compensate ur when u are buying).
Are you getting a loan? If you are, again that will affect your own application if you decide to get one during the two years. Worst if your friend can't honour his promise to transfer to him in two years. How do you make sure ur friend will make the repayment every period? What if your friend missed a few payments, would you be able to cover him/her? Are you happy to do that for her/him?
If you are paying cash, would it trigger the tax office to query you where you get that big sum of cash from?
Are you claiming any family assistant or social benefits? You also need to check whether buying/owning a house will affect your position.
As said before, CGT is at marginal tax if it is investment, and it is under your name. You can trust your friend to pay that when it is due?
May be you can consider the need to put in a formal contract between you two as well? After all, if your friend can trust you with this amount of money, you wouldn't want any un-forseen issues in the future to ruin your friendship? There are people that can get through it, also there are lots of cases where it didn't work out.. You have to weight up and decide yourself. |
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