最多也就借5萬, 能頂事不?

來源: 2025-10-12 10:43:03 [博客] [舊帖] [給我悄悄話] 本文已被閱讀:

What are the rules for a 401(k) loan?

With a 401(k) loan, you are limited to withdrawing either 50% of your vested account balance or $50,000, whichever is less. One important caveat: If you have less than $10,000 vested in your 401(k) account, you may be able to borrow the full available balance, according to IRS rules

[1]

. However, it's up to your 401(k) provider whether to allow this exception.

Your plan may also set a maximum number of outstanding loans or require the signed permission of your spouse or partner if the loan is greater than $5,000.