P*s
2 楼
you can loan from the 401k.
my interest only 3.XX%
check with your 401k company
【在 g*******t 的大作中提到】
: my broker说只能把401K里的钱借出来，利率大概10%。有没有办法直接把401K里的钱拿
: 出来，缴税和penalty都行。
my interest only 3.XX%
check with your 401k company
【在 g*******t 的大作中提到】
: my broker说只能把401K里的钱借出来，利率大概10%。有没有办法直接把401K里的钱拿
: 出来，缴税和penalty都行。
d*e
3 楼
I did that too, you can get loan from 401k, and pay back later.
I remember the interest will be put into your 401k too.
I remember the interest will be put into your 401k too.
a*e
4 楼
how to pay back? monthly or I can wait for several years? will it affect my
loan rate?
【在 d*****e 的大作中提到】
: I did that too, you can get loan from 401k, and pay back later.
: I remember the interest will be put into your 401k too.
loan rate?
【在 d*****e 的大作中提到】
: I did that too, you can get loan from 401k, and pay back later.
: I remember the interest will be put into your 401k too.
z*s
5 楼
my
if your plan allows, you can get a loan from your own
401(k), and it's just like any other loan you would get,
pay back monthly, to you own 401(k), with interest (i.e,
you pay interest to yourself).
the rate depends on your 401(k) plan.
【在 a******e 的大作中提到】
: how to pay back? monthly or I can wait for several years? will it affect my
: loan rate?
z*s
6 楼
you pay interest back to yourself.
if you do hardship withdraw, you pay current tax (easily
35-40%), plus 10% penalty. nobody should ever do this.
【在 g*******t 的大作中提到】
: my broker说只能把401K里的钱借出来，利率大概10%。有没有办法直接把401K里的钱拿
: 出来，缴税和penalty都行。
a*e
7 楼
我有好几个401K帐号，那是不是也算可以shop around了？银行会不会因为我不仅要还
他们的loan还要还401k，就把我的rate往上涨？
【在 z****s 的大作中提到】
:
: you pay interest back to yourself.
: if you do hardship withdraw, you pay current tax (easily
: 35-40%), plus 10% penalty. nobody should ever do this.
他们的loan还要还401k，就把我的rate往上涨？
【在 z****s 的大作中提到】
:
: you pay interest back to yourself.
: if you do hardship withdraw, you pay current tax (easily
: 35-40%), plus 10% penalty. nobody should ever do this.
a*e
8 楼
啥叫hardship withdraw？
【在 z****s 的大作中提到】
:
: you pay interest back to yourself.
: if you do hardship withdraw, you pay current tax (easily
: 35-40%), plus 10% penalty. nobody should ever do this.
【在 z****s 的大作中提到】
:
: you pay interest back to yourself.
: if you do hardship withdraw, you pay current tax (easily
: 35-40%), plus 10% penalty. nobody should ever do this.
f*i
9 楼
我穷，我惨，我要取款
【在 a******e 的大作中提到】
: 啥叫hardship withdraw？
【在 a******e 的大作中提到】
: 啥叫hardship withdraw？
a*e
10 楼
咋样才够claim我穷我惨
【在 f****i 的大作中提到】
: 我穷，我惨，我要取款
【在 f****i 的大作中提到】
: 我穷，我惨，我要取款
G*y
11 楼
I think he means direct withdraw
It is not bad to loan from own 401k. The interest is paying back to your
self. But I do not know if there is processing fee.
【在 a******e 的大作中提到】
: 啥叫hardship withdraw？
It is not bad to loan from own 401k. The interest is paying back to your
self. But I do not know if there is processing fee.
【在 a******e 的大作中提到】
: 啥叫hardship withdraw？
f*i
12 楼
填个表
【在 a******e 的大作中提到】
: 咋样才够claim我穷我惨
【在 a******e 的大作中提到】
: 咋样才够claim我穷我惨
a*e
13 楼
maybe，倒是可以问问，反正401这个东西放那里也是赔钱的。。。。
【在 G****y 的大作中提到】
: I think he means direct withdraw
: It is not bad to loan from own 401k. The interest is paying back to your
: self. But I do not know if there is processing fee.
【在 G****y 的大作中提到】
: I think he means direct withdraw
: It is not bad to loan from own 401k. The interest is paying back to your
: self. But I do not know if there is processing fee.
g*t
14 楼
如果interest还是缴到自己的401K帐户里,那利息高低也无所谓了?同时也不用拿出来了
.
.
a*e
15 楼
但是lender会注意到你的pay stub里面有那个loan
【在 g*******t 的大作中提到】
: 如果interest还是缴到自己的401K帐户里,那利息高低也无所谓了?同时也不用拿出来了
: .
【在 g*******t 的大作中提到】
: 如果interest还是缴到自己的401K帐户里,那利息高低也无所谓了?同时也不用拿出来了
: .
r*d
16 楼
我总结一下，
1. you can take 401k loan to pay your mortgage
2. you can take 401k loan to pay downpayment
3. 401k loan is usually 5Yr term, but could be 15Yr
4. You pay back the interest to your 401k account monthly
5. the interest is not tax deductable
6. you can't contribute to your 401k account until the 401k loan is payed in
full
7. 401k loan will not affect your mortgage rate
1. you can take 401k loan to pay your mortgage
2. you can take 401k loan to pay downpayment
3. 401k loan is usually 5Yr term, but could be 15Yr
4. You pay back the interest to your 401k account monthly
5. the interest is not tax deductable
6. you can't contribute to your 401k account until the 401k loan is payed in
full
7. 401k loan will not affect your mortgage rate
p*g
17 楼
6. you can't contribute to your 401k account until the 401k loan is payed in
full
This one is not correct
full
This one is not correct
x*u
18 楼
My 401K plan only allow to borrow up to 50%
t*s
19 楼
double tax. you pay interest with after tax money. and it will be
tax again later. so it's better to have a roth 401k.
【在 g*******t 的大作中提到】
: 如果interest还是缴到自己的401K帐户里,那利息高低也无所谓了?同时也不用拿出来了
: .
tax again later. so it's better to have a roth 401k.
【在 g*******t 的大作中提到】
: 如果interest还是缴到自己的401K帐户里,那利息高低也无所谓了?同时也不用拿出来了
: .
t*s
20 楼
you can only borrow from active 401k. 401k from previous employer won't
allow a loan. and if for any reason you leave your current employer,
you need to pay back the loan in a very short time.
【在 a******e 的大作中提到】
: 我有好几个401K帐号，那是不是也算可以shop around了？银行会不会因为我不仅要还
: 他们的loan还要还401k，就把我的rate往上涨？
allow a loan. and if for any reason you leave your current employer,
you need to pay back the loan in a very short time.
【在 a******e 的大作中提到】
: 我有好几个401K帐号，那是不是也算可以shop around了？银行会不会因为我不仅要还
: 他们的loan还要还401k，就把我的rate往上涨？
s*n
21 楼
没什么关系，你当时拿401k出来的钱是没交税的，不存在double tax的问题
缺点是如果你离开公司的话要一个月内把钱还掉
【在 t***s 的大作中提到】
: double tax. you pay interest with after tax money. and it will be
: tax again later. so it's better to have a roth 401k.
缺点是如果你离开公司的话要一个月内把钱还掉
【在 t***s 的大作中提到】
: double tax. you pay interest with after tax money. and it will be
: tax again later. so it's better to have a roth 401k.
f*f
22 楼
是利息部分double tax
【在 s********n 的大作中提到】
: 没什么关系，你当时拿401k出来的钱是没交税的，不存在double tax的问题
: 缺点是如果你离开公司的话要一个月内把钱还掉
【在 s********n 的大作中提到】
: 没什么关系，你当时拿401k出来的钱是没交税的，不存在double tax的问题
: 缺点是如果你离开公司的话要一个月内把钱还掉
s*n
23 楼
贷出来的钱付本金的话也让mortgage的利息少了阿，可能会亏一点，但不会很多。
【在 f********f 的大作中提到】
: 是利息部分double tax
【在 f********f 的大作中提到】
: 是利息部分double tax
g*t
24 楼
pay interest back to yourself 是什么意思,难道是把利息付给我自己,那我借401K的
钱出来是白借的,那不人人都借401K的钱了?
【在 z****s 的大作中提到】
:
: you pay interest back to yourself.
: if you do hardship withdraw, you pay current tax (easily
: 35-40%), plus 10% penalty. nobody should ever do this.
钱出来是白借的,那不人人都借401K的钱了?
【在 z****s 的大作中提到】
:
: you pay interest back to yourself.
: if you do hardship withdraw, you pay current tax (easily
: 35-40%), plus 10% penalty. nobody should ever do this.
s*n
25 楼
借出来后仍然按月像普通贷款一样还到401k账户里，但是如果你工作变动了就必须在很
短时间内还清，这时候如果没有cash就会麻烦了
【在 g*******t 的大作中提到】
: pay interest back to yourself 是什么意思,难道是把利息付给我自己,那我借401K的
: 钱出来是白借的,那不人人都借401K的钱了?
短时间内还清，这时候如果没有cash就会麻烦了
【在 g*******t 的大作中提到】
: pay interest back to yourself 是什么意思,难道是把利息付给我自己,那我借401K的
: 钱出来是白借的,那不人人都借401K的钱了?
P*B
26 楼
雇主match的呢？
O*o
27 楼
如果401K里面是两个雇主呢，一个是以前公司，一个是现在公司，怎么界定哪些钱是以
前的？而且如果所有的钱都是vested，离开现在公司也要立刻还上吗？
【在 s********n 的大作中提到】
: 借出来后仍然按月像普通贷款一样还到401k账户里，但是如果你工作变动了就必须在很
: 短时间内还清，这时候如果没有cash就会麻烦了
前的？而且如果所有的钱都是vested，离开现在公司也要立刻还上吗？
【在 s********n 的大作中提到】
: 借出来后仍然按月像普通贷款一样还到401k账户里，但是如果你工作变动了就必须在很
: 短时间内还清，这时候如果没有cash就会麻烦了
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