r******r 发帖数: 700 | 1 听说买房子,提前从 IRA 里面拿钱出来,没有 penalty.
但是有个 5 year rule, 如果这个账号如果开户不到 5 年,还是不满足条件。不能取
出来。我的账号只开了 3 年。
是这样吗? 不知有没有了解这个的,多谢! | t******t 发帖数: 772 | 2 First-home exemption
Then there's your home. Uncle Sam offers various tax breaks for homeowners.
He'll even bend the IRA rules a bit to help you get into your house in the
first place.
You can use up to $10,000 in IRA funds toward the purchase of your first
home. If you're married, and you and your spouse are both first-time buyers,
you each can pull from retirement accounts, giving you $20,000 in
residential cash.
Even better is the IRS definition of first-time homebuyer. Technically, you
don't | r******r 发帖数: 700 | 3 谢谢!
“.If, however, you opened your Roth IRA less than five years ago, the
withdrawal is an early distribution. As with a traditional IRA early
withdrawal, a Roth holder can use the first-home exception to avoid the 10
percent penalty, but might owe tax on earnings that are withdrawn.”
这里用的词是 “might". 请问知道确切情况吗? 如果只是 earnings 交税还好说,就
不知有没有 penalty, 或者是没到 5 年,完全就不能拿出来,或 double penalty?
我的账号才开了 2 年,想拿一万出来,购房。
.
buyers,
you
tax
【在 t******t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : First-home exemption : Then there's your home. Uncle Sam offers various tax breaks for homeowners. : He'll even bend the IRA rules a bit to help you get into your house in the : first place. : You can use up to $10,000 in IRA funds toward the purchase of your first : home. If you're married, and you and your spouse are both first-time buyers, : you each can pull from retirement accounts, giving you $20,000 in : residential cash. : Even better is the IRS definition of first-time homebuyer. Technically, you : don't
| t******t 发帖数: 772 | 4 a Roth holder can use the first-home exception to avoid the 10 |
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