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BenefitsLink Message Boards > Retirement Plans > Distributions and Loans, Other than QDROs
mczet
Knowing that 401K loans are 5 years and 30 years for primary residence, my question is.

Does amounts required to prevent foreclosure on a primary residence qualify for 30 year treatment, or do they fall under the 5 year ceiling.

The answer is probably no, but I thought I'd getsome opinions.

Ray Setzer
Richard Anderson
no
actuarysmith
It is not "30" years for primary residence. The regs allow 15 years.
R. Butler
Do you have a cite for 15 year limit in the regs? In the Final Regs. issued 7/31/00, I see an example in Q-8 where they issue a 15 year period, but I have never seen anything that specifically states a residential loan can't be longer than 15 years.

Thanks for your help.
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