只能借 最多 5万。看我查到的

To get money for a house from your 401(k), you can take a 401(k) loan, which you repay with interest (better for avoiding taxes/penalties, up to 50% or $50k), or a hardship withdrawal, which is permanent, taxed, and often penalized if under 59½ but requires no repayment. A 401(k) loan avoids taxes/penalties but pauses growth, while a withdrawal permanently reduces savings, making the loan generally the preferred, less costly option if your plan allows it. 

 

1. 401(k) Loan (Recommended for most)

• How it works: You borrow from your vested balance (up to 50% or $50,000, whichever is less) and pay yourself back with interest via payroll deductions, often over 5-10 years for a home purchase.
• Pros: No immediate taxes or penalties; interest goes back to your account; doesn't hurt your credit score; can be easier to get than personal loans.
• Cons: Missed investment growth; if you leave your job, the loan may become due immediately; may stop future contributions/employer match. 

 

2. Hardship Withdrawal (Costly)

• How it works: A permanent cash withdrawal for immediate needs, like buying a first home.
• Pros: No repayment required; funds are yours to keep (minus taxes/penalties).
• Cons: Subject to regular income tax; usually a 10% early withdrawal penalty if under 59½; permanently reduces retirement savings and compound growth. 
• Steps to Take
• Check your plan: Contact your HR department or plan administrator to see if loans are offered and what withdrawal rules apply.
• Compare options: Weigh the pros/cons of loan vs. withdrawal, considering taxes, penalties, and the impact on your future retirement.
• Apply: Submit the request through your 401(k) provider, providing necessary documentation for home purchase.