
Quoting
debins
Thank you very much for the feedback.
To make sure I understood correctly: If I give more than $14,000 loan to my wife, the “gift loan problem” is not applicable/valid here. That is, neither of us (I and/or my wife) need to pay any taxes, on this loan or on its interest. Therefore, I can give $100,000 as loan to my wife and get exactly $100,000 back from her after 2 years and neither of us need to pay any tax on this loan/its interest; and neither of us face any “gift loan problem” due to this. In other words, I can give whatever amount I wish as a loan to my wife with 0% interest.
Please let me know if my above interpretation/understanding is correct.