n********g
发帖数: 251 | |
y*********e
发帖数: 518 | 2 可以。google 401k loan.
【在 n********g 的大作中提到】
: 就像国内住房公积金那样支取？
|
Q***N
发帖数: 2972 | 3 yes. you can borrow 50% of 401K acount, max 50K/account. |
i*********e
发帖数: 1010 | 4 if possible, don't do it.
First you have to pay 401K penalty.
then you will either have to pay regular tax rate; or pay back 401K account
like doing a 401K loan under certain tight time frame depending on the terms
. |
s*****y
发帖数: 1974 | 5 等于是利息吧，还回401K就好了
account
terms
【在 i*********e 的大作中提到】
: if possible, don't do it.
: First you have to pay 401K penalty.
: then you will either have to pay regular tax rate; or pay back 401K account
: like doing a 401K loan under certain tight time frame depending on the terms
: .
|
i*********e
发帖数: 1010 | 6 If someone have money to return back to 401K, why he takes it out in the
first place?
how much a difference a few months will make on your bank account? Almost
nothing for most of typical folks. |
a*****g
发帖数: 321 | 7 我借了，用来cover一部分急需的cash。多长时间还回去你可以选择1年5年10年。 利息
还是付给自己的401k帐号，相当于你自己多存一些钱给自己。 我觉得如果缺现金的话
，不失为一个好办法。
【在 n********g 的大作中提到】
: 就像国内住房公积金那样支取？
|
b********2
发帖数: 5191 | 8 可以.
【在 n********g 的大作中提到】
: 就像国内住房公积金那样支取？
|
k******r
发帖数: 2243 | 9 There is no penalty for a loan from your 401K account. You just need to pay
the interest but it will go to your own account anyway. So if you need money
to buy a house, it is a good choice. I myself did it in 2010. Now look at
back, it is worthwhile. Even I have to pay interst, the house price rised a
lot.
account
terms
【在 i*********e 的大作中提到】
: if possible, don't do it.
: First you have to pay 401K penalty.
: then you will either have to pay regular tax rate; or pay back 401K account
: like doing a 401K loan under certain tight time frame depending on the terms
: .
|
e*****o
发帖数: 264 | 10 401K贷款听上去很美，其实很糟。首先，钱借出来后401K里免税的投资回报没有了。其
次，坏事总是一起发生的。如果万一财务出现问题，无法按时还款，IRS可能会视作
401K取款，收10%的罚款和税，雪上加霜。 |
n********g
发帖数: 251 | |
i*********e
发帖数: 1010 | 12 投资理财最后要自己根据自己情况斟酌 有利有弊，lz自己仔细计划一下 |
