推荐Italian Race - 未名空间MITBBS历史存档

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推荐Italian Race

推荐Italian Race# Movie - 无限影话

P*s2016-08-02 07:08

1 楼

感觉不错。
可以贷50%，利率是2.25%。之前和管理公司confirm了几点
1 利息是到自己账户上。
2.只要交利息的税
3.可以在贷款期间继续存401
4.可以提前一次性换完，但是不能每月多存。
唯一的risk是失业～～
hoho

z*e2016-08-02 07:08

2 楼

很好看，

z*i2016-08-02 07:08

3 楼

前一段，看网上不推荐借401。

【在 P*****s 的大作中提到】

: 感觉不错。
: 可以贷50%，利率是2.25%。之前和管理公司confirm了几点
: 1 利息是到自己账户上。
: 2.只要交利息的税
: 3.可以在贷款期间继续存401
: 4.可以提前一次性换完，但是不能每月多存。
: 唯一的risk是失业～～
: hoho

z*e2016-08-02 07:08

4 楼

imdb 7.6
http://www.imdb.com/title/tt4300480/

P*s2016-08-02 07:08

5 楼

萝卜青菜

【在 z**********i 的大作中提到】

: 前一段，看网上不推荐借401。

f*l2016-08-02 07:08

6 楼

50%? 2.25%?

【在 P*****s 的大作中提到】

P*s2016-08-02 07:08

7 楼

50% of your total
2.25% is interest

【在 f********l 的大作中提到】

: 50%? 2.25%?

D*C2016-08-02 07:08

8 楼

你是用税后的工资还401k阿
这样不能减税
您说值吗？

P*s2016-08-02 07:08

9 楼

这不是一样的吗
那我从401k拿到的钱还是税前的呢

【在 D**C 的大作中提到】

: 你是用税后的工资还401k阿
: 这样不能减税
: 您说值吗？

f*l2016-08-02 07:08

10 楼

Both could be wrong!
You can't borrow as much as 50%! There is a up limit cap there. such as $50k.
The interest won't be so low! It should be around 4.85%.
Check back with your 401K institute.

【在 P*****s 的大作中提到】

: 50% of your total
: 2.25% is interest

s*d2016-08-02 07:08

11 楼

每个plan限制不一样。

$50k.

【在 f********l 的大作中提到】

: Both could be wrong!
: You can't borrow as much as 50%! There is a up limit cap there. such as $50k.
: The interest won't be so low! It should be around 4.85%.
: Check back with your 401K institute.

G*r2016-08-02 07:08

12 楼

是每次买房都可以贷，还是第一次买房才行？

P*s2016-08-02 07:08

13 楼

anytime, if you want to loan. but the loan time will not more than 5 years.
for the 1st time home buyer, you can return it within 30 years

【在 G*****r 的大作中提到】

: 是每次买房都可以贷，还是第一次买房才行？

P*s2016-08-02 07:08

14 楼

do you want to bet 100 Weibi for the interest rate??
heihei

50k.

【在 f********l 的大作中提到】

s*e2016-08-02 07:08

15 楼

哇，什么地方，利率这么低！我们是vangard4.25%, 以前的fidelity更差：5.25%

【在 P*****s 的大作中提到】

P*s2016-08-02 07:08

16 楼

t rowe price

【在 s*****e 的大作中提到】

: 哇，什么地方，利率这么低！我们是vangard4.25%, 以前的fidelity更差：5.25%

f*l2016-08-02 07:08

17 楼

Just did it thru phone, $40k, 2yrs with 4.875% rate. Can pay off in full
amount within two yrs. The up limit is $50k no matter how much in the 401k
account. The one time fee is also 4.875%.

【在 P*****s 的大作中提到】

: do you want to bet 100 Weibi for the interest rate??
: heihei
:
: 50k.

P*s2016-08-02 07:08

18 楼

that's your case. my rate is 2.25%
haha

【在 f********l 的大作中提到】

: Just did it thru phone, $40k, 2yrs with 4.875% rate. Can pay off in full
: amount within two yrs. The up limit is $50k no matter how much in the 401k
: account. The one time fee is also 4.875%.

f*l2016-08-02 07:08

19 楼

Mine is Fidelity. I got 4.875%.
Parsons is a lucky guy here who got half rate, and he even could borrow as
much as 50%, without the up cap limit.

【在 s*****e 的大作中提到】

: 哇，什么地方，利率这么低！我们是vangard4.25%, 以前的fidelity更差：5.25%

s*e2016-08-02 07:08

20 楼

Don't understand why you want to borrow from 401k. Leaving the money there
can earn you 7~9% on average. Just take a conventional loan, you pay 4~5%,
which is about the cheapest money you can get anywhere.

f*l2016-08-02 07:08

21 楼

something called remodeling...

【在 s****e 的大作中提到】

: Don't understand why you want to borrow from 401k. Leaving the money there
: can earn you 7~9% on average. Just take a conventional loan, you pay 4~5%,
: which is about the cheapest money you can get anywhere.

b*n2016-08-02 07:08

22 楼

federal government plan.

【在 P*****s 的大作中提到】

: that's your case. my rate is 2.25%
: haha

s*e2016-08-02 07:08

23 楼

You can take out a home equity loan then...

【在 f********l 的大作中提到】

: something called remodeling...

f*l2016-08-02 07:08

24 楼

Using 5% down loan bought the house, then using 401k loan for remodeling...that's my case. Even tho you might use 20% down bought the house, you don't have any home equity at all. I believe most people don't, at least in the near future.
Borrowing from 401k is a 15-min phone call thing, no other requirements and no other questions asked. And you receive a check after 1 week or so. The payment is automatically deducted from your payroll, and you pay the interest to youself. That's your money anyw

【在 s****e 的大作中提到】

: You can take out a home equity loan then...

D*C2016-08-02 07:08

25 楼

你这样还利息的钱，可以抵税吗？

【在 P*****s 的大作中提到】

: 这不是一样的吗
: 那我从401k拿到的钱还是税前的呢