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总结
多家媒体报道，白宫及特朗普团队拟推出住房购买方案，允许美国购房者动用401(k)等退休账户资金用于支付购房首付，并可能在达沃斯等场合对外宣布。该思路旨在降低首付门槛、刺激住房需求、回应“可负担性”压力，但也可能削弱居民退休储备并带来税务处理、提前支取罚金豁免与额度限制等规则争议。市场关注其对房地产市场、家庭资产配置与金融稳定的外溢影响，具体细则仍待官方披露。
正文
White House Plan Would Let Americans Tap 401(k)s for Down Payments on Homes The Wall Street Journal Donald Trump to unveil home buying plan involving retirement funds BBC How to Boost Your Savings For a Down Payment CNBC Trump housing plan to allow 401(k) money for down payments, adviser says Reuters Trump to Announce 401(k) Home Investment Plan at Davos Bloomberg.com
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