Housing accumulation fund is a kind of social public security, but in recent years it has become a tool for some organizations and individuals to illegally seek benefits.
Recently, the reporter made unannounced visits to several intermediaries on the grounds of withdrawing housing provident fund. The reporter searched the provident fund from the Internet, and hundreds of intermediary web pages providing this service appeared. Among them, there are many companies that specialize in extracting housing provident fund for individuals.
The reporter contacted a company claiming to withdraw official website from the provident fund. The company promises on the website that it will be free if it is unsuccessful. The reporter dialed according to the 400 number provided by him. Ms. Chen, who is in charge of wiring, told reporters that they can provide relevant contracts and invoices. Individuals can submit an application to the unit and then go to the bank to propose a provident fund. The agency fee is 6%. The lady also reiterated to reporters that the invoices they provided were issued by the tax authorities in accordance with formal procedures, and the transaction would not be risky.
The reporter then contacted a company named Beijing Provident Fund Social Security Service Center. Wang Mei, a staff member, told the reporter that to withdraw the provident fund of 65,438+10,000 yuan, an intermediary fee of 4,000 yuan is needed, Alipay guarantees the transaction, and there are shops on Taobao, which can provide various social security and provident fund withdrawal services at any time.
These two companies are just representatives of many online provident fund withdrawal intermediaries, and there are many similar intermediaries. In real life, advertisements for withdrawing provident fund are common in many cities.
According to the law, housing accumulation fund can only be withdrawn under one of the following circumstances: purchase, construction, renovation and overhaul of owner-occupied housing with ownership; Retired; Completely lose the ability to work and terminate the labor relationship with the unit; Settle abroad; Repay the principal and interest of the house purchase loan; Rent exceeds the prescribed proportion of family wage income.
Whether it is housing demand or serious illness extraction, housing provident fund aims to solve the realistic livelihood needs. The rampant intermediary of provident fund withdrawal not only violates the relevant policies and regulations, but also disrupts the market order.
Mr. Li, a citizen who lives in Xicheng District, Beijing, told reporters that he had heard of many illegal provident fund withdrawal intermediaries, and he had never withdrawn them in this way because of fear of transaction risks. Mr. Wang, who works in a large enterprise in Shandong, admitted to the reporter that money was urgently needed at that time, and formal channels could not provide provident fund, so he had to withdraw it through an intermediary. Although I paid a lot of agency fees, I solved the urgent need.
Lawyer Zheng of Beijing Zhongrun Law Firm told the reporter that the illegal withdrawal of provident fund for individuals by intermediaries may cause the disclosure of citizens' personal information and bring risks to personal funds and accounts. Personal withdrawal of provident fund through forged materials will affect the credit rating of citizens' personal provident fund. In addition, the intermediary is suspected of illegal operation, which constitutes a crime, and may also constitute the crime of forging, altering, buying and selling official documents, certificates and seals of state organs. Individuals who successfully quit through intermediaries will be punished by returning within a time limit or fines.
The reporter's investigation found that for many units, the withdrawal of provident fund depends on the purchase contract and other materials, which means that employees who need to buy a house but lack money can only look at the balance of provident fund and sleep, and then make a down payment. Only after buying a house can you withdraw the provident fund.
Experts believe that the current phenomenon of illegal withdrawal of housing provident fund not only reflects the lax supervision of the provident fund withdrawal system, but also reflects the unreasonable restrictions on the withdrawal of provident fund. The more difficult it is for low-and middle-income people who can't afford a house to withdraw, the provident fund can only be idle for a long time, and the scope of use of many units' provident fund is narrow, almost becoming a pension. The problem of low utilization rate is particularly prominent.
The Third Plenary Session of the 18th CPC Central Committee explicitly called for the establishment of an open and standardized housing provident fund system and the improvement of the mechanism for the withdrawal, use and supervision of housing provident fund. While strengthening supervision, the relevant departments should also broaden the channels for the use of provident fund, and suggest relaxing the conditions for the withdrawal of provident fund to make the withdrawal and use of provident fund more humane and flexible.