Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to pay off someone else's mortgage [title] Familiarize yourself with gift tax law. [step] Any method of paying for someone else's mortgage would qualify as a gift. In the united states, if you give someone a certain amount of money without receiving a service in return, you become liable for the gift tax.

Ending1: [substeps] Gifts are intended to be marked down as property and must still earn a certain amount of interest. Unused gift tax applies to people receiving gifts in other states. Ending2: However, any other type of gift is eligible, such as an apartment, money from a cruise ship, or small vacation package. [substeps] To find out more about gift tax law, check for a link to your state's website. Ending3: The gift tax is the u.s. government's way of preventing people from avoiding income taxes by giving away all of their money. Ending4: You also are liable for a loan if the other person owes you money beyond your home equity. [substeps] Gift taxes only apply to certain types of loans.

Answer format: ending1/ending2/ending3/ending4