Property Buyers in Peru: Don’t Fall for This Tax Trap 🚨 (Spanish)

Think you’re saving money by underreporting property sales? 🚨 In Peru, that “tax trick” could cost you up to 30% more in penalties. Here’s what every buyer and investor needs to know.

Recorded in Lima, Peru 🇵🇪, Nathaly sits down with Mónica Jacobo Guerrero, a top tax attorney and former SUNAT official with 14+ years of experience. She reveals the hidden risks of “creative” tax practices in real estate, why both buyers and sellers can lose big, and how technology + international cooperation now make tax evasion nearly impossible. 🏠💰
If you’re a realtor, investor, or buyer, this episode is a must-watch before investing in Peru. 🚀

📲 SOCIAL MEDIA LINKS (Host)

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✅ Contact: +1-888-483-7779

🎙️ Guest: Mónica Jacobo Guerrero
☑️ Instagram: https://www.instagram.com/monica_jacobo_guerrero/
☑️ YouTube: https://www.youtube.com/@jacoboyasociadosasesorestr5181
☑️ Quote: “What you think is tax savings today becomes a future liability.”

🏆 VIDEO TAKEAWAYS 🏆

Q: What taxes apply when buying and selling property in Peru (2025)?
✔️ Seller pays 5% on capital gains (Second Category income). Buyer pays Alcabala ~3% of the purchase value (with certain legal deductions).

Q: Why is it risky to under-declare the sale price (e.g., declare 10 when the real price was 100)?
✔️ Because mandatory banking plus the ITF (0.005%) lets SUNAT trace flows. The unsupported difference is treated as an unjustified net worth increase and can be taxed up to ~30%, plus interest and penalties.

Q: How does under-declaring hurt the buyer later on?
✔️ On resale, the buyer’s tax cost basis is the declared amount (e.g., 10), so taxable gain is much higher. The “saving” today becomes extra tax when selling.

Q: Which documents and payments must go through the financial system in Peru?
✔️ Notary-handled transfers must be banked—cash briefcases don’t fly. Transfers, cashier’s checks, and payment orders leave an ITF trail.

Q: Can I wire money from abroad to a relative in Peru and have them buy in their name?
✔️ Risky. Regular deposits without documentation may trigger foreign-source income or unjustified net worth increases for the recipient. Safer route: a consular power of attorney so the property is purchased in the real owner’s name, with full documentation.

Q: How should a tax attorney and an accountant work together on a deal?
✔️ As a team. The legal plan must be implemented in accounting entries, banked flows, and records to eliminate future contingencies.

Q: What should Lima real-estate agents know about their role and liability?
✔️ Inform clients about common tax risks (under-declaration, third-party accounts). Do not suggest “creative” practices that can harm clients—and your brand.

Q: What signals does SUNAT review using technology and data analytics?
✔️ ITF trails, notary records, lifestyle vs. declared income, international info sharing (OECD), and social media red flags.

Q: When is specialized tax advice a must for Peru real-estate deals?
✔️ Whenever there are significant gains, cross-border funds, family intermediaries, leases, swaps, or plans to resell within the short/medium term.

Q: In which cases does a “saving” today become a larger penalty tomorrow?
✔️ Under-declaration, banking to third parties, missing powers/contracts, and lack of source-of-funds proof—often ending in higher taxes + fines.
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Видео Property Buyers in Peru: Don’t Fall for This Tax Trap 🚨 (Spanish) канала International Real Estate | Unicorn Properties