Trump 行政主管提议利用401(k)项资金进行家庭首期付款,以促进住房所有权。 Trump admin proposes using 401(k) funds for home down payments to boost homeownership.

白宫顾问凯文·哈塞特(Kevin Hassett)表示, 特朗普政府计划在达沃斯世界经济论坛上公布一项提案, 允许美国人使用401(k)笔资金, The Trump administration plans to announce a proposal at the Davos World Economic Forum allowing Americans to use 401(k) funds for home down payments, according to White House adviser Kevin Hassett. 该计划的目的是在高抵押利率和高房价的情况下提高房屋所有权,可以允许使用部分房屋股本来补充退休账户。 The plan, which aims to boost homeownership amid high mortgage rates and home prices, may permit using a portion of a home’s equity to replenish retirement accounts. 这是更广泛努力的一部分,包括指示Fannie Mae和Freddie Mac购买2 000亿美元的抵押担保证券,以及限制机构投资者购买单户家庭住房。 It is part of broader efforts including directing Fannie Mae and Freddie Mac to buy $200 billion in mortgage-backed securities and restricting institutional investors from buying single-family homes. 虽然该倡议力求提高可负担性,但专家们警告说,它可能危及退休储蓄,可能无法解决潜在的供应短缺问题。 While the initiative seeks to improve affordability, experts warn it could jeopardize retirement savings and may not address underlying supply shortages. 关于处罚、税收和执行的细节仍然不明确。 Details on penalties, taxes, and implementation remain unclear.