Among cohabiting family members (spouses, children, parents ) but also between close relatives (grandchildren, brothers and sisters, grandparents, etc.), non-interest bearing loans are frequently used for the purchase of goods of a certain importance, such as buildings, cars, or of other nature.
In these cases, given the close relationship, the loans were made without resorting to any type of act that formalized the same, considering it a “moral commitment”.
Today, the financial administration, thanks to new research tools of undeclared taxable income, such as that of the REDDITOMETER, no longer allows such loan formulas.
In fact, it is fundamental to demonstrate the origin of the sums converged into the account or the availability of a given subject.
Loan among family members: Private writing anti profitability is a method that is used to regulate loans between family members without resorting to often excessive formalisms.
You can do a private writing that must contain the date and the signatures of all the subjects involved in it; to make the date “certain” you can go through some streets, let’s see them together.
If the numbers of the loan are considerable, it is advisable to register the date of the private writing with the Inland Revenue, paying the relative registration tax in proportion to the amount of the sum considered; you can also register the date at the post office, you can use the electronic signature of the deed, or exchange the deed with a registered letter of return that certifies the certain date, or by exchange of certified e-mail that has the same valence of the registered letter.
It is also important, pay attention to the granting and reimbursement phase, pay particular attention to the anti-money laundering regulations, carefully respecting the limits for the use of cash.
The advice is that, for payments, to resort to methods of payments “traceable” such as transfers of various kinds or the use of checks.
In various sites (which you will find by entering only the title of this article) you can find the various forms that attest to the private writing of sum donation among family members, or private writing of non-interest bearing loan between family members.