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z**********i
发帖数: 12276 | 1 关于从自己退休帐户贷款。里面有点钱，想从这个账户借钱出来做downpayment，记得
有人做过，有人说这样不好。当时没明白，能请给讲讲吗？到底该不该这么做？
目前的情况，因为去了新城市，需要买房，暂时第一个房子还没有卖，所以第二个房子
需要首付，但几乎没有多余的钱来付，所以想从自己的403b退休帐户先借点，再做个
second
loan争取够20%，等第一个房子卖掉，再把这些钱还上。
多谢建议！！ | z**********i
发帖数: 12276 | 2 Can I borrow money from my 403(b)?
Yes, but not all providers permit loans from 403(b) accounts. Contact your
provider for availability. Plan loans are convenient, but they are not
always the right solution. Consider both the positive and negative
repercussions to determine if a plan loan is right for you. And, always
compare the overall cost of a plan loan with other sources of funds. The
true cost of the loan is more then just interest paid; it also includes the
lost interest earned and/or growth from market returns.
If you do choose to take out a loan, here is what you need to know. In order
to allow temporary access to your 403(b) account, the Internal Revenue
Service (IRS) permits loans. There are, however, some limits on the amount.
Generally, the loan cannot exceed the smaller of: $50,000, or one-half of
your account balance (though if your account balance is less than $20,000
you may borrow up to $10,000 if you have that much in your account).
In applying these limits, all of your 403(b) accounts must be combined and
aggregrated with any loans from other retirement plans you might have, such
as a 401(k).
Loans must be repaid by making repayments of principal and interest at least
quarterly. Unless the loan is made to acquire your principal residence, it
must be repaid within five years.
Failure to make scheduled loan repayments will cause the outstanding loan
balance to be included in your gross income and subject to the federal 10%
early distribution penalty. Additionally, such a loan default may impair
your ability to make loans against your 403(b) account in the future.
Loans will also affect the amount you ultimately accumulate for retirement.
Loans are required to charge interest. The lender keeps those amounts that
you pay in interest, so interest payments will not be a part of your
retirement savings. Therefore, loans should be used only when absolutely
necessary.
【在 z**********i 的大作中提到】
: 关于从自己退休帐户贷款。里面有点钱，想从这个账户借钱出来做downpayment，记得
: 有人做过，有人说这样不好。当时没明白，能请给讲讲吗？到底该不该这么做？
: 目前的情况，因为去了新城市，需要买房，暂时第一个房子还没有卖，所以第二个房子
: 需要首付，但几乎没有多余的钱来付，所以想从自己的403b退休帐户先借点，再做个
: second
: loan争取够20%，等第一个房子卖掉，再把这些钱还上。
: 多谢建议！！
| z**********i
发帖数: 12276 | 3 Penalties
If you borrow from a 403(b) to purchase a home, you should be reasonably
sure that you will stay with the same employer long enough to pay back the
full loan amount. That is because if you leave an employer while the 403(b)
loan is outstanding, you have only 60 days to repay the loan in full. After
60 days, any unpaid portion of the 403(b) loan will be considered a
withdrawal rather than a loan. Withdrawals are immediately taxed, and if the
account owner is less than 59 1/2 years old, a 10 percent early withdrawal
penalty applies.
Disadvantages
Although you are essentially borrowing money from yourself when you borrow
from a 403(b) plan, the interest you pay back will likely be less than you
would have earned in market appreciation if you had let the account continue
to grow. Also, lenders often frown upon applicants who borrow money for the
down payment because the increased use of leverage raises the risk of a
default. Banks are usually inclined to give you a better interest rate if
you save the down payment rather than borrow from a 403(b) for a home.
http://www.ehow.com/info_8747472_borrow-403b-home.html#ixzz2TI9
【在 z**********i 的大作中提到】
: 关于从自己退休帐户贷款。里面有点钱，想从这个账户借钱出来做downpayment，记得
: 有人做过，有人说这样不好。当时没明白，能请给讲讲吗？到底该不该这么做？
: 目前的情况，因为去了新城市，需要买房，暂时第一个房子还没有卖，所以第二个房子
: 需要首付，但几乎没有多余的钱来付，所以想从自己的403b退休帐户先借点，再做个
: second
: loan争取够20%，等第一个房子卖掉，再把这些钱还上。
: 多谢建议！！
| c*********7
发帖数: 19373 | 4 IRA account呢？首次买房可以有10k免罚款，不知道是夫妻两个10k还是分别10k。坏处
是这部分钱要算到当年的收入来算税。 | z**********i
发帖数: 12276 | 5 有明白人给科普一下。
谢谢！
【在 c*********7 的大作中提到】
: IRA account呢？首次买房可以有10k免罚款，不知道是夫妻两个10k还是分别10k。坏处
: 是这部分钱要算到当年的收入来算税。
| o*****p
发帖数: 5952 | 6 Borrower from your retirement account has limitations.
In most case, the lower of $50K or 50% of balance. Ask your HR.
It does NOT count as your income, no tax consequences.
【在 z**********i 的大作中提到】
: 关于从自己退休帐户贷款。里面有点钱，想从这个账户借钱出来做downpayment，记得
: 有人做过，有人说这样不好。当时没明白，能请给讲讲吗？到底该不该这么做？
: 目前的情况，因为去了新城市，需要买房，暂时第一个房子还没有卖，所以第二个房子
: 需要首付，但几乎没有多余的钱来付，所以想从自己的403b退休帐户先借点，再做个
: second
: loan争取够20%，等第一个房子卖掉，再把这些钱还上。
: 多谢建议！！
| z**********i
发帖数: 12276 | 7 谢谢！
【在 o*****p 的大作中提到】
: Borrower from your retirement account has limitations.
: In most case, the lower of $50K or 50% of balance. Ask your HR.
: It does NOT count as your income, no tax consequences.
| s****a
发帖数: 9912 | 8 不好的是，如果你换工作或者被LAYOFF，
就必须把LOAN马上还上，否则DEFAULT | o*****p
发帖数: 5952 | 9 是的。
【在 s****a 的大作中提到】
: 不好的是，如果你换工作或者被LAYOFF，
: 就必须把LOAN马上还上，否则DEFAULT
| z**********i
发帖数: 12276 | 10 恩。只给2个月的时间。
【在 s****a 的大作中提到】
: 不好的是，如果你换工作或者被LAYOFF，
: 就必须把LOAN马上还上，否则DEFAULT
| p******y
发帖数: 3523 | 11 LZ身上的liability太多了，除非收入非常高可以负担两个房子的mortgage，税，保险
，和其他所有债务。
听起来都觉得风险比较高。。。 |
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