T*****T
发帖数: 640 | |
g*q
发帖数: 26623 | 2 第一次买房，IRA可以拿1万
401K的话，一般是自己向自己贷款。具体操作问你的HR |
y****i
发帖数: 12114 | |
c****o
发帖数: 32446 | |
t*****e
发帖数: 160 | |
o*****p
发帖数: 5952 | 6 401k 买自住屋，一般是50%, or $50k, which is less. |
J******d
发帖数: 287 | 7 How much you can loan from 401K depends on the policy held by your 401k
carrier. usually 50%.
If you need to loan money for purchase of primary residence, (not withdraw,
withdraw you have to pay penalty + previous tax) you don't need to pay tax.
However, you need to repay your loan with interest by using your after-tax
money. But the payment +interest are into
your 401k account. they are still yours. (disadvantage is loss of
tax benefit for the payment money as well as opportunity for growth, but it
is better than credit card or conventional loan, which interest is not
belong to you and you have to pay with after-tax money too). Also, pay
attention to how long your loan need to be paid off. Usually when you
switch your employer, you have to pay off all the 401k loan.
That's my 2 cents. |
n******n
发帖数: 12088 | 8 不存在double tax，你没道理用借来的钱抵税。
【在 c****o 的大作中提到】
: 月经贴，“double tax”
|
s**********d
发帖数: 36899 | 9 利息double tax。月经贴
【在 n******n 的大作中提到】
: 不存在double tax，你没道理用借来的钱抵税。
|
n******n
发帖数: 12088 | 10 仔细想想。你那个利息的本金是哪里来的？是401k里的钱，税前。而非401k贷款的本金
是税后。
税后的钱，利息抵税；税前的钱，利息不许抵税，很正常。
想通本质，就不会有月经贴了。
【在 s**********d 的大作中提到】
: 利息double tax。月经贴
|
c****o
发帖数: 32446 | 11 你确认你知道“double tax”的意思吗？
【在 n******n 的大作中提到】
: 仔细想想。你那个利息的本金是哪里来的？是401k里的钱，税前。而非401k贷款的本金
: 是税后。
: 税后的钱，利息抵税；税前的钱，利息不许抵税，很正常。
: 想通本质，就不会有月经贴了。
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