Thus, the underground intermediary of provident fund was born. The reporter of 265438+20th Century Business Herald learned that in some places, the price of provident fund agency increased with the tightening of provident fund management, from the previous 3-4 points to the highest 10 point.
Although the asking price is very high, the provident fund withdrawal business has always existed, and these underground intermediaries can even tailor different schemes for customers according to their withdrawal amount.
The essence is pre-order service.
265438+20 th Century Business Herald reporter learned that one of the operations of provident fund withdrawal is essentially through the buying and selling procedures, and the real estate is provided by the intermediary. In the process of real estate transaction, after using this suite to set up provident fund, it will be transferred to the real holder of the house.
Xiao 'an (pseudonym) is 10 years old and is an employee of a state-owned enterprise in a second-tier city in South China. She told the reporter of 2 1 Century Business Herald that a year ago, because she needed money badly, she wanted to withdraw the money from the provident fund. Later, she added an intermediary WeChat through a friend and went to an intermediary company with a try-and-see attitude.
Xiao An told 2 1 Century Business Herald that he didn't feel very good when he first entered their company. It's a small office with only a desk, a coffee table and a few people. The office is a bit messy, a bit dirty, the smoke is very strong, and people dress casually. There is a feeling that they may close the door and run away at any time. After sitting down, I didn't have the enthusiasm of service personnel in other industries, but simply asked about the basic situation.
She said: "At that time, I had a provident fund of more than 65,438 +0.2 million yuan. They helped me make a plan to buy a house and quit according to my situation. Generally speaking, they gave money, provided a second-hand house and transferred it directly to my name. I just need to cooperate with the Housing Authority to sign the transfer. After I got the real estate license, I went to the provident fund center to withdraw it, and then I paid them a handling fee. After withdrawing the cash, I transferred the property back. The handling fee is 6 points. However, they are also very cautious in words, repeatedly stressing that they do not provide provident fund withdrawal services, but only help me buy real estate and introduce real estate services. Naturally, they can withdraw provident fund with real estate licenses. However, they promised that if they cannot successfully withdraw the provident fund, they will not charge any handling fees. "
Ann has some doubts. Hundreds of thousands of houses have been transferred to their own names. Isn't the intermediary afraid that she ran away? Later, she learned that this property was not only transferred to her, but also transferred to several people who extracted the provident fund. Even if she runs away, she can't take the property. Moreover, the intermediary also has a greater degree of trust in those who withdraw the provident fund. After all, only110 people have provident fund, and their jobs are good, so they can run out of the temple.
When signing the agreement, Xiao An found that the agreement of the intermediary was very strict, requiring customers to provide all the original documents such as ID card, household registration book, marriage certificate, divorce certificate and divorce agreement to the intermediary when handling the house purchase procedures, which also made Xiao An very worried for a time, fearing that the documents would be used for other purposes. However, because of the urgent need for money, the intermediary paid in full and paid the handling fee only after withdrawing the provident fund. Xiao An signed an agreement with the intermediary.
Xiao An said that it only took her two weeks to get the money through the intermediary. It's been almost a year, and there has been no problem in extraction. However, although she was lucky not to meet a fake intermediary, there are also many swindlers who use fake real estate licenses to collect provident fund. After all, it is an underground industry. Without supervision, she can only keep her eyes open.
Small amount 10 is not negotiable.
Another story happened to Xiaomi (a pseudonym), a freelancer. She started as a Taobao anchor after resigning from a public institution two years ago. After working for three years, she has accumulated more than 30 thousand in her provident fund account and has never had a chance to withdraw it.
Xiaomi inquired for a long time and chose a local provident fund agency under the introduction of a friend.
Xiaomi told the reporter of 265438+20th Century Business Herald that the first question the intermediary asked her was how much to withdraw. When Xiaomi told her that the amount was only 30,000 yuan, the intermediary said that her business was small and easy to mention. If it's fast, it can be done in a week or two, but the agency fee is ten points, and there is no counter-offer.
"He also showed me the application documents successfully extracted within one week, ranging from 8,000 to 40,000. The extraction forms are all housing consumption extraction, and I need to be present to handle the business. This is more reliable in the eyes of experienced people. " Xiaomi said.
Xiaomi told reporters that the experience of withdrawing the provident fund made her know that these intermediaries can provide many services, such as renting a house. They can go to the local regular street office to record the rental contract and invoice. For example, it is not allowed to withdraw the local policy provident fund. They can help to open a provident fund account in the name of the company in other cities, and then transfer the provident fund here, because there are no withdrawal restrictions in other cities.
"Although this is an underground industry, the service fee for 10 points is very expensive, but compared with renting a house, the extraction ratio is only 65%, and it will take more than 20 years. This 10 points is the most cost-effective choice." Xiaomi bluntly told reporters.
Although the current existence of this industrial chain reflects a relationship between supply and demand, 2 1 Century Business Herald found that the provident fund generation is still a black underground industrial chain, which is non-compliant and lacks supervision. If an individual chooses an intermediary detour, there is a great risk of being cheated, and once the illegal act of defrauding the provident fund is discovered, there is also the risk of being blacklisted, which has a great impact on handling provident fund loans in the future.