O***n
发帖数: 13127 | |
W********w
发帖数: 771 | 2 好像可以借出来（就是向自己借钱）， 但要还， 从工资里扣， 提前离开工作之前要
一次还清。还的钱好像是税后的。 高手请说一下。 |
s*********0
发帖数: 2045 | 3 Depends on your employer. Some plan allows up to 50% or under $50k/$60k,
some just forbid it. In fidelity you can just login and select 'Loans or
Withdrawals' from the left it will tell you if you can do it or not. For
home loans max duration is 10 years. You pay back yourself monthly from your
paycheck. |
W********w
发帖数: 771 | 4 忘记向Ogden要包子了。 现在怎么回答问题没人给包子了， 只能靠排队攒包子了。 |
y****i
发帖数: 17878 | 5 this really varies significantly from plan to plan.
if allowed, the maximum you can borrow is $50k, or 50% of your vested
balance, whichever is less.
There are big differences in terms of tax consequences between loan and
withdrawal.
typically you need to pay the loan back in 5 years, unless it is for the
purchase of your primary home. In such cases it can go up to 30 years.
definitely ask your plan administrator for the details regarding this matter
.
your
【在 s*********0 的大作中提到】
: Depends on your employer. Some plan allows up to 50% or under $50k/$60k,
: some just forbid it. In fidelity you can just login and select 'Loans or
: Withdrawals' from the left it will tell you if you can do it or not. For
: home loans max duration is 10 years. You pay back yourself monthly from your
: paycheck.
|
s*********x
发帖数: 1923 | 6 you need to call them to ask. |
y****i
发帖数: 17878 | 7 that's so-called double taxation myth.
actually, the principle you borrow as loan and pay back later is taxed only
once.
here are some long discussions about whether the interest is taxed twice.
http://thefinancebuff.com/401k-loan-double-taxation-myth.html
I think the answer to this question varies depending on how you look at it,
and it is not that significant anyway because you can only borrow up to $50K.
【在 W********w 的大作中提到】
: 忘记向Ogden要包子了。 现在怎么回答问题没人给包子了， 只能靠排队攒包子了。
|
