Can I find a company to pay the housing provident fund?
Housing provident fund management core in violation of the provisions of this Ordinance, one of the following acts, by the construction administrative department of the State Council or province, autonomous region people's government construction administrative departments according to the management authority shall be ordered to make corrections within a time limit, the responsible person in charge and the other persons who are directly responsible shall be given administrative sanctions:
(a) failing to set up a housing provident fund account in accordance with the provisions;
(two) failing to approve the withdrawal and use of housing provident fund by employees in accordance with the regulations;
(3) Failing to use the value-added income of the housing provident fund in accordance with the provisions;
(4) Entrusting institutions other than banks designated by the Housing Provident Fund Management Committee to handle the housing provident fund financial business;
(five) did not establish a detailed account of employee housing provident fund;
(6) Failing to issue valid certificates for the employees who have paid the housing provident fund;
(seven) not in accordance with the provisions of the purchase of housing provident fund bonds.
In principle, the establishment of housing provident fund accounts must comply with the law, so it is illegal for companies to pay, but illegal and compliant things still happen frequently, and many companies still operate privately.
An industry insider analyzed that some units should pay housing provident fund, but in fact they are treated differently. When employees borrow money to buy a house, they must first choose the provident fund, which can only be solved by "linking". From the company's point of view, some mobile companies will bring unnecessary losses to the company if all their employees get married.
Is it reliable to pay the provident fund?
The actual case of tampering with the information of the provident fund account and being unable to make a loan after being deposited for more than one year;
Driven by various favorable policies, Xiao Ye (pseudonym), a white-collar worker in Zhengzhou, intends to use the housing provident fund loan to buy a house. When she prepared the information, she was told that although she had paid the housing provident fund for more than a year, she could not get a loan for the time being because of the poor record of the provident fund.
Xiao Ye once opened an account in a company that paid housing provident fund. Later, Xiao Ye's account was blocked by Zhengzhou Housing Provident Fund Management Center for two years because of information tampering, and the entire company's provident fund agency business was warned until it was banned.
The benefits provided by the new company to employees with housing provident fund are paid by Xiao Ye on time every month. She learned that she can deposit normally now, and the old account is still there. Only after a two-year storage period can the new and old accounts be merged. However, the future housing prices are likely to be higher than now, which is not worth the loss.
Does the absence of legal labor relations affect the normal use of provident fund accounts? Now the investigation is strict, but not every company. Besides, their main business is group buying houses, so there are not so many people affiliated with the following companies, which will not attract attention.
These behaviors that want to pay the provident fund are easy to occur in four types of units: labor dispatch, professional intermediary, business enterprise management consulting and other personnel agency. There is an act of opening or falsely opening a housing provident fund account for employees who have no labor relationship or legal agency relationship. There is no need to take such a risk.