아무리 찾아봐도 답이 없어서 혹시나 아시는 분이 계실까 하고 여쭤봅니다.
급하게 돈이 필요해서 한국부모님께 3만달러를 송금받고 3개월 후에 돌려드리려고 합니다.
찾아보니 비거주자에게 송금시 증여 공제혜택이 없는것은 알겠는데요, 이건 증여가 아니고 돈을 빌려주고 다시 받는거라 해당이 안될거 같구요. 5만달러 이상 비거주자에 돈을 빌려줄때는 한국은행에 신고해야된다는 것도 알겠는데 5만달러 이하의 경우는 정보가 없네요.
그냥 3만달러 송금받고, 3개월 후 한국으로 송금하면 세금관련해서 아무문제 없는걸까요?
아니면 계약서라도 써놔야 하는건지…
혹시 비슷한 경험하신 분 있으면 공유부탁드립니다.
감사합니다.

1만불 넘기면 국세청과 IRS에서 AUDIT 나올 수 있습니다.

If you borrow, say, $10,000 from a foreign uncle, you don’t report it on Form 1040. If you run into trouble, can’t repay the loan and your uncle says to just forget it, then the Internal Revenue Service may be interested. In the eyes of the tax man, the $10,000 you originally received is now income, as you’re never paying it back. Banks that forgive a loan send out a form — 1099-C — for canceled debt, but individuals don’t have to send you one. That doesn’t make it any less income. Family members have an option that banks and credit-card companies don’t. Banks have to treat debt forgiveness as the writing off of a bad debt, but relatives and friends can make forgiving your loan a gift. Gifts are never taxable income, so you’re off the hook with the IRS. This includes debt cancellation written in your relative’s will to take place after she dies. If your relative is subject to American taxes, he may have to report the gift and deal with gift taxes, but you don’t.

신분이 어떻게 되세요?

신분은 영주권자입니다.
아직 확실히 이해가 가진 않지만 답변 감사합니다

You do not report any personal or any kind of loans on 1040 whether from foreign sources or domestic. There are no requirements of reporting any borrowings. Make sure to document the loan and and make reasonable interest payments with the principle payback and there won’t be any issues.