You pay interest back into your own account, usually at the prime rate plus 1-2%.
Roth IRA contributions can be withdrawn at any time without taxes or penalties. can i borrow from my pension to buy a house
In Australia, you cannot withdraw your regular employer contributions early, but you can use voluntary contributions: Can I Use My 401(K) to Buy a House? - Investopedia You pay interest back into your own account,
Canada offers a dedicated program for first-time buyers using their Registered Retirement Savings Plan (RRSP): can i borrow from my pension to buy a house
: You must not have lived in a home you or your spouse owned in the last four years.