a*******4
发帖数: 580 | 1 不好意思，初级问题。买房子可以把401K取出来吧？是不是就意味着无论如何在买房子
之前要maximize 401K。但是如果把penality算进去的话，也还划算么？公司match的政
策大概就是投1w，match 5000，再多投，match的就少很多很多。 |
l*u
发帖数: 2090 | 2 买第一套房
动用 401k
是不是没有罚金？
【在 a*******4 的大作中提到】
: 不好意思，初级问题。买房子可以把401K取出来吧？是不是就意味着无论如何在买房子
: 之前要maximize 401K。但是如果把penality算进去的话，也还划算么？公司match的政
: 策大概就是投1w，match 5000，再多投，match的就少很多很多。
|
s***y
发帖数: 3299 | 3 Through google:
A 401k is a retirement savings plan offered to employees of many companies.
Most employees choose to use the plan as a retirement fund. However, money
can be borrowed from the fund for education and medical expenses, but must
be repaid in five years. However if you use the proceeds of the loan for a
first-time home purchase, you can repay the loan over 10 years, according to
the Wall Street Journal. These 401k loans do not require a credit check and
do not have any tax implications as long as the loan is repaid. |
s***y
发帖数: 3299 | 4 You can borrow 50k or half of your 401k total, whichever is less. |
D******e
发帖数: 1222 | 5 to add, you pay yourself (401k account) interest by borrowing against 401k.
So it's not too bad.
【在 s***y 的大作中提到】
: You can borrow 50k or half of your 401k total, whichever is less.
|
f*******n
发帖数: 12623 | 6 不要忘了，如果你从401k借钱，你离开公司的时候要马上（60天内）把钱还。否者没有
还的钱算是从401k拿出来，会有税、罚款灯问题。 |
d**l
发帖数: 897 | |
f*******n
发帖数: 12623 | 8 IRA没有的借的
【在 d**l 的大作中提到】
: Traditional ira可以借出来吗？'
|
