Anonymous
Anonymous asked in 商業與財經個人理財 · 1 decade ago

如何匯台幣到美國朋友處他一樣可以收到台幣?

美國有朋友跟我借錢我答應借他,可是我希望借台幣還台幣不要將來有匯率問題,免得將來有爭議希望各位大大指點迷津.

2 Answers

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  • 1 decade ago
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    You can not lend your friend in US for 台幣. You only can wire US dollar (you need his bank account in US to wire money to him at a bank in Taiwan ) or mail travel check in US dollar to him/her (you need to buy the travel check from a bank in Taiwan ). You have to pay additional transaction fee for either way.You could loss the value for the currency exchange and the exchange fee. Use 100 NT for the fee as an example. You exchange $100 US at the rate of 31.3 NT/ 1.0 US (total 3130 +100 NT) and the rate may be 31.0 NT/1.0 US when he pay you back $100 US (total 3100 –100 NT).You give 3230 NT, but only get back 3000 NT.You should tell your friend that he should pay the fee for both money transactions and pay back the same money in NT value.This mean he owns you 3230 NT for the example of borrowing $100 US dollar and he has to pay the same value of 3130 NT plus the fee with the current rate when he pay back. That is (3230+100)/31.0 =107.4 US .

  • 1 decade ago

    要看借款期間多久,現在是美元的相對低點,你借美元給朋友反而對你比較有利…。

    台幣不是國際流通貨幣,無法匯出台幣。

    如果是照版主詢問的問題,這很好解決…就去匯兌成美元,看總共多少台幣,用水單當成證明,將來還你台幣的金額就好了。

    例如:美金:台幣是1:32 ==>你借朋友台幣10萬元,就匯兌成了3,125元美金;此時你匯給朋友3,125美金,就約定到期還你水單上的10萬元台幣(餘此類推)

    圖片參考:http://a.imagehost.org/0959/01-1.jpg

    2010-10-07 10:39:04 補充:

    最好能有字條單據,否則會有糾紛,因為對方收到的是美金,將來還你美金時,你要能舉證約定的是台幣。

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