Core Background
Starting from October 1, 165438, Chengdu will begin to implement a new provident fund policy, adjust the maximum loan amount and period, and support employees in purchasing small and medium-sized apartments and low- and medium-priced apartments. Owner-occupied housing. At the same time, the Chengdu Provident Fund Management Center stipulates that employees who defraud housing provident funds shall be registered for bad behavior, and the units where employees work shall be notified, and they shall be restricted from handling provident fund withdrawals and loan business within five years.
Forged information to defraud the withdrawal fee of 6.5438 million yuan.
“In mid-April, an employee took a set of fake materials to withdraw his provident fund. As a result, the center staff discovered on the spot that the employee did not meet the conditions for withdrawing his provident fund, so he found an agency to help him forge a set of materials. Wanting to get through, he paid a handling fee of 10,000 yuan to the intermediary, which is equivalent to 20% of the cash withdrawal amount. "
The relevant person in charge of the Chengdu Provident Fund Center told a Tianfu Morning Post reporter yesterday that there are still intermediaries." Fraudulent Provident Fund." "In early May, we discovered a fraudulent withdrawal, and the agency charged employees a handling fee of 20,000 yuan."
The cash out was 15,000 yuan, with a handling fee of 4,500 yuan.
How many intermediaries can handle data retrieval? The reporter tried to find it on Taobao. After entering "provident fund", hundreds of provident fund agency locations will pop up on the webpage, but most of these agency locations provide services in Beijing, Shanghai, and Shenzhen, and very few in Chengdu. According to the contact information provided by the Taobao seller, the reporter learned that the handling fee for withdrawing provident fund in Beijing is 3, but there is a limit on the amount of one-time withdrawal. For example, in Chaoyang District, Beijing, you can only withdraw 60,000 yuan at a time. But the agency said that it can only provide services in Beijing, not Chengdu and other regions.
The reporter then found a Chengdu intermediary company on the Internet, which claimed to be "professional in providing provident fund withdrawal business, mainly for employees who do not meet the provident fund withdrawal conditions, with formal procedures and legal information." The intermediary company said that it can handle provident fund withdrawals for employees in Sichuan, and can withdraw about 6.54385 million yuan at a time. The reporter learned that intermediary companies usually obtain rental contracts at a monthly rental price of 1.25 yuan through a rental contract, and can withdraw up to 15,000 yuan at a time.
However, the agency fees paid by the agency are jaw-dropping. "It's 15,000 yuan, and the handling fee is 4,500 yuan." Based on this calculation, the agency fee is as high as 30. The reporter bargained with the agency on the grounds that the handling fee was too high. The intermediary company said that the handling fee of 4,500 yuan, including the tax to be paid, is already very cheap. "Only 20 is the price in previous years."
The reporter's investigation found that some intermediary companies claim that employees can withdraw provident funds on their behalf. The "handling fee" is generally around 20, and some even reach 50.
Serious fraud will be reported.
In response to the investigation, a reporter from Tianfu Morning Post contacted the Chengdu Provident Fund Management Center and learned that so far, the Chengdu Provident Fund Center has investigated and dealt with more than 20 cases of fraudulent loans this year. "We remind employees to use the housing provident fund correctly and not to believe the inducements of some intermediaries. In response to the recent increase in fraud, we have taken measures to strengthen the system monitoring of the counter on the one hand and strict approval at the counter on the other hand." The relevant person in charge said that this year The Chengdu Provident Fund Center has launched a new business processing system to further upgrade the monitoring of business risk points, making it difficult to fish in troubled waters.
“The intermediary mainly defrauds the provident fund by fabricating the facts of house purchase, forging real estate certificates and related legal documents. The intermediary’s advertisements claimed that the ‘procedures are legal’, ‘the procedures are formal’, and ‘will not affect employees’ house purchase loans in the future’ ', are all untrue." The relevant person in charge said that after discovering the fraudulent subsidy, the Provident Fund Center will notify the employee's unit and instruct the unit to report and criticize the employee. If the fraud is serious, the provident fund center will also report the case to the public security agency. “Fraudulent withdrawals often involve forging economic contracts and tax payment certificates. These behaviors are suspected of violating criminal law.
As early as 2008, an intermediary involved in fraudulent withdrawals of provident funds was sentenced to fixed-term imprisonment. ”
It is reported that the Chengdu Provident Fund Center has also cooperated with the public security organs to launch a special operation to combat fraud and strictly investigate intermediary fraud. At present, the public security organs have arrested a number of criminal suspects.
Provident Fund New Deal Keywords
Application quota
The application amount is changed to 20 times the deposit balance. The previous amount is determined by the monthly deposit amount and the deposit ratio. The maximum loan limit is still 400,000. . If your provident fund account balance reaches 20,000 yuan, you can apply for 400,000 yuan.
144 square meters
After the implementation of the new policy, the provident fund loan for purchasing a second house is limited to 1. For deposit-paying employee families (including the main borrower, spouse, co-borrowers and minor children) whose existing housing construction area is less than 144 square meters, the loan is limited to the purchase of ordinary self-occupied housing to improve living conditions.
30 down payment
The maximum loan term is 20 years, which was previously 30 years. The policy of 20 down payment is cancelled, and the down payment ratio for the first home is unified to 30 years.
Fraudulent withdrawals. Provident Fund
If the case of falsely claiming housing provident fund is true, it should be refunded; if it constitutes a crime, the person who cheated will be restricted from handling provident fund withdrawals, loans and other services within five years.
: Fraudulent withdrawals may be subject to criminal liability.
Lawyer Liu Tingting from Sichuan Zhigaoshou Citizen Law Firm: Chengdu’s latest "Housing Provident Fund Withdrawal Management Measures" clearly stipulates the scope, time and amount of housing provident fund withdrawals. , and it is expressly prohibited to defraud the housing provident fund. If the amount is true, the person may be held criminally responsible for fraud.
Experts: Cashing out the provident fund through an intermediary is risky.
Wu Song, President of Goldman Sachs Far East Investment Management Company:
Provident fund cash-out agencies generally use small-sized houses to buy and sell fake houses. This method has lower costs, but withdraws less provident fund. For people who need to withdraw more provident funds, intermediaries are more likely to adopt the strategy of forging procedures, which is obviously illegal. Once the bank reviews the application materials, the intermediary will also use the method of applying for provident fund decoration loans when cashing out small amounts. There are few review steps, and it is very likely that the intermediary will falsify everything from the decoration contract to the invoice. Generally speaking, there are great legal risks in cashing out provident funds through intermediaries.
Small data
10. Provident funds can be withdrawn under two circumstances.
Chengdu’s Housing Provident Fund Management Regulations clearly stipulate that provident funds can be withdrawn under 12 circumstances: 1. Employees are purchasing, constructing, renovating or overhauling. Own house;
2. Repay the principal and interest of the house purchase loan;
3. Rent a self-occupied house;
4. Retire;
5. Completely lose the ability to work and terminate the labor relationship with the unit;
6. Leave the country to settle down;
7. Employees who are included in the minimum living security for urban residents in this city;
8. Serious illness causing serious difficulties in family life;
9. Persons who have terminated the labor relationship with the employer and have not been employed for two years and have serious difficulties in family life;
10 , the male who terminated the labor relationship with the unit has reached the age of 50, the female has reached the age of 45, has not been re-employed and has difficulty in family life;
11. Rural migrant workers who have terminated the labor relationship with the unit have not returned to work after the termination of the labor relationship with the unit. Re-employed in this city;
12. The employee dies or is declared dead.