401（k）可以用來支付房屋首付嗎？

你的401（k）退休計劃中的資金可以用來籌集房子的首付。你可以從你的401（k）賬戶取錢或借錢。這些選擇中的每一個都有可能超過好處的主要缺點。...

你的401（k）退休計劃中的資金可以用來籌集房子的首付。你可以從你的401（k）賬戶取錢或借錢。這些選擇中的每一個都有可能超過好處的主要缺點。

退出401（k）

第一個也是最不利的方法是直接把錢取出來。這是根據艱苦條件提款規則制定的，最近這項規則變得稍微容易了一些，允許賬戶持有人不僅提取自己的供款，還可以從僱主那裡提取供款。“主要居住地”的購房費用是從401（k）計劃中提取困難補助金的允許理由之一。

贊成

欺騙

You owe income tax on the withdrawal.
The withdrawal could move you to a higher tax bracket.
If you are younger than 59½, you also owe a 10% penalty on the money you withdraw.
You can never repay your account and lose years of tax-free earnings on the money you withdraw.

然而，如果你取錢，你就欠這些基金的全部所得稅，就好像當年是任何其他型別的正常收入一樣。如果你接近一個更高的稅率等級，這可能是特別不吸引人的，因為取款只是加在正常收入之上。如果你是59歲以下的人，還有10%的罰款，也叫提前支取罰款½ 幾歲。

401（k）計劃沒有首次購房者提前取款的例外，但

第二種方法是從401（k）貸款。只要你用這筆錢買房，你最多可以借到5萬美元或賬戶價值的一半，以較少者為準。出於各種原因，這比簡單地取款要好。

贊成的意見

You can borrow up to $50,000 or half the value of the account.
The interest you pay on the loan is paid to your own account, not to a bank.
If you leave your job and must repay the loan, the repayment period was increased to the due date of your federal income tax return, instead of the previous 60-to-90 day window, under the Tax Cuts and Jobs Act.

欺騙

You need to repay the loan, generally within five years.
You have to disclose this loan to the bank if you are applying for a mortgage.
If you leave your job, you must repay the loan by the due date of your federal income tax return or the loan will be c***idered a withdrawal, triggering income taxes and a possible 10% early withdrawal penalty if you are under 59½.
Depending on your plan, you may not be able to contribute to your 401(k) until you pay off the loan.
Even though you're paying interest, you lose out on potential investment growth of the funds.

首先，雖然你的貸款收取利息的利率通常是兩個點以上的最優惠利率。然而，你實際上是在向自己而不是銀行支付利息。這意味著你從你提取的資金中至少賺了一點錢。