- 자금조달계획서 작성 방법 및 양식 다운로드
- 자금조달계획서를 정확하게 작성하지 않거나 기한 내에 제출하지 않으면 과태료가 부과될 수 있고, 세무조사의 대상이 될 수 있습니다. 이번 글에서는 자금조달계획서 작성 방법 및 양식 다운로드 그리고 자금조달계획서에 대해 알아야 할 부분들을 전반적으로 설명해 드리겠습니다.
Why is a funding plan required when buying a house? The submission of a funding plan has been mandated to ensure transparency in real estate transactions and prevent illegal financial dealings. In short, it means you must clearly state how much money you are paying and where it's coming from.
What happens if you don't write a funding plan?
- Penalty: A fine of up to 5 million won may be imposed.
- Tax Audit Target: You may be subject to a tax audit if the source of funds is unclear.
- Transaction Disadvantages: Real estate transactions may be delayed or become difficult.
Who needs to write a funding plan?
- Real Estate Regulated Areas: All house purchases, regardless of whether it's a speculative overheating zone or an adjustment target area.
- Non-regulated Areas: House purchases of 600 million won or more.
- Corporations: All house purchases.
When is the funding plan due?
It must be submitted within 30 days of the real estate contract date.
How to write a funding plan?
How to prepare a funding plan
1. Personal Funds: Funds owned by the individual, such as deposits, proceeds from stock sales, gifts, and inheritance.
2. Borrowed Funds: Money borrowed from others, such as loans and promissory notes.
3. Payment Method: How the money will be paid, such as bank transfer or cash.
Important! The source of all funds must be accurately stated, and supporting documents must be prepared.
Where can I download a funding plan?
You can download it by searching for the 'Enforcement Rules of the Real Estate Transaction Reporting Act' on the Legislation Information Center of the Ministry of Government Legislation.
Where should I submit the funding plan?
It can be submitted in person at the city, gun, or gu office, or online through the Real Estate Transaction Management System.
Frequently Asked Questions (FAQ)
- Does the funding plan form change every year? Yes, the form may be revised due to legislative amendments, so always use the latest form.
- What supporting documents should I prepare? You must prepare all documents that can prove the source of funds, such as bank balance certificates, stock trading records, and gift tax returns.
- What happens if I fill out the funding plan incorrectly? You may be subject to a fine or a tax audit.
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