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percent penalty, but might owe tax on earnings that are withdrawn.”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】
: 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 |
|
