I borrowed money from my parents to buy a house, and when I saw the "loan" in my mother's transfer remarks, I wanted to cry without tears
My name is Yuan, I am 38 years old this year, and I am the only child in my family. My parents have retired, and although they receive a lot of retirement salary every month, they have always lived a very frugal life and always want to leave the best for me.
By the time I got married at the age of 30, I already had a small apartment. At that time, my in-laws suggested that I sell the apartment and use the money with them to buy a new property. However, I categorically rejected the offer. For me, this small apartment was a guarantee for my parents, so I chose to keep it. My in-laws offered to contribute 200,000 yuan, and the rest of the down payment for the purchase of the house needed to be provided by my parents.
We finally selected a three-bedroom apartment of 138 square meters, with a total price of more than 2 million yuan, and a down payment of 40% requires more than 800,000 yuan. I'm not sure if my in-laws are deliberately calculating me and my parents, or if they simply don't understand the actual situation.
I directly proposed to my husband that I could accept the 200,000 yuan purchase price and 100,000 yuan bride price offered by my in-laws, and then we would get married first and live in a small apartment under my name. Wait until we've saved enough for a down payment before buying a new home.
When I got married, the small apartment I lived in was a pre-marital house, which was also purchased by my parents in full, and the real estate deed was in my mother's name. I know this very well, and my husband knows it.
After three years, we finally saved up a sum of money, plus the money from my in-laws and my mom when we got married, and we were finally able to make a down payment on our new house. We have our eye on a four-bedroom unit of 156m2 with separate bedrooms for our two children in the future.
However, the down payment required more than $1 million, and we had a $200,000 difference in savings. My in-laws said they couldn't afford to provide the funds, but I knew my parents were capable. My parents received a $1 million CPF and enterprise annuity when they retired, so I borrowed money from my mother.
Although the mother agreed to borrow money, she said that it would take some time because the money was not due yet. When my husband learned that I had borrowed money from my parents, he was so happy that he had to go to the kitchen and cook a delicious meal for my parents himself.
I knew that my mother must have given me not only 200,000 yuan, but also the cost of our renovation. My mother has been like this since I was a child, she was generous to me, always saying "the poor are rich", and keeping more money in her hand will make her heart feel sure. I paid half of the down payment in advance, waited until my mother's money was due, and sure enough, she transferred 350,000 yuan to me. However, two words in the remarks stung me deeply, "borrowing". Is my mom worried that I won't pay it back in the future?
In the past, I would happily call my mother ** to express my gratitude and use many warm words, but this time I only replied with four words: "Thank you Mom".
In my mind, even though my parents were rich, I was reluctant to use their money at will, because it was their pension in their old age. In the past, I used to drive them out on holidays and even let them go on vacation in their favorite places.
Every time I took my parents out, they would transfer some money to my husband. I don't think it's anything, there is money to come and go, and everyone is open-minded, so that the in-laws don't say that we don't take them when we go out.
But now, seeing that my mom actually thinks so much about borrowing money, she and my dad must think that I am already married, and I am spilling water, and I can only give money in exchange for my affection for them when needed.
And when I borrowed money from them to buy a house, they were afraid that my in-laws would be calculating in it, and that my husband would be calculating, so they thought it would be better to label it as "borrowing", so that there would be no problems to deal with.
My husband seemed to sense my unhappiness and asked me what was wrong, I took out the transfer record to show him, and my husband said, "It's okay, what's wrong?" I pouted and said, my mother deliberately remarked "borrowing", is she afraid that the two of us will not repay the money?
My husband touched my head and said, "You, you're such a stupid child, you don't understand our mother's mind at all." He took out his mobile phone and searched why parents should note "borrowing" for large transfers to their children?
It turned out that when parents transferred too much money to their children, it belonged to the category of gift tax, and inheritance was even more taxable. Only those marked as "borrowing" are not subject to tax. Therefore, many parents will note "borrow" when transferring large amounts to their children.
When I understood, I understood what my parents meant. It turned out that I misunderstood my mother, and I thought that we didn't believe us and were afraid that we wouldn't pay back, so I made a special note that the money was a "loan" and reminded us to pay it back early.
My husband said to me, don't worry, with the current ability of the two of us, we will be able to pay it off in a few years, and when the time comes, I am still afraid that our mother will not want it!
In fact, in the past three years of marriage, my parents have helped us a lot, but they prefer that we can have children sooner. I'm also thinking about getting pregnant, first solving the problem of the house, and then solving the problem that I can earn money without going to work at home.
In this way, I can have children with peace of mind, take care of children, and be a good daughter, mother, and daughter-in-law.
The great treasure of my family was born in my natal year, and it is the same as mine. Sure enough, as my husband guessed, I paid off my parents' money several times. When I gave birth, my in-laws gave 10,000 and my parents gave 50,000.
When my son was one year old, my parents directly bought more than 100,000 yuan of insurance, which made me worry a lot less. Now, I take care of the baby at home to do a side job, and my parents often come over to help take care of the baby, so I have more free time and space.
When my in-laws saw that my parents were so good to us, they often reminded my husband to be filial to my parents. Actually, we are both only children, and considering the old age of our parents, it is the most important thing I should be concerned about now.
Not only do I have to take care of my children, but I also urge my parents to exercise and maintain their bodies, and never be reluctant to spend money on self-maintenance in order to save money.
Many times, between parents and children, one is waiting for the "thanks" of their children, and the other is waiting for their parents' understanding and tolerance. In fact, if you can open your heart and communicate, parents and children are the closest people!