Some intermediaries "collect provident funds" for profit

Some intermediaries "collect provident funds" to make profits?

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This newspaper reported (Reporter Zhao Ang) "It takes 10 Just provide your ID card and the documents will be processed for you within one working day." When a reporter consulted an online agency that claimed to be able to collect provident funds, a staff member named Zhang said.

Recently, reporters often see small advertisements with the words "Withdrawal of provident fund" on the streets of Beijing. When entering "withdrawal of provident fund" online, you can also see the corresponding contact information. Depending on the administrative division of the client's unit, the sampling points for these illegal intermediaries are also different. Dongcheng District and Chaoyang District are usually 10%, while Fengtai District is 6%. The reason for the difference is that these provident fund management centers have different requirements for materials and have different processing difficulties. For example

Some require that the rental invoice be from an intermediary, but others require that the invoice must be from the local tax.

Some intermediaries "collect provident funds" to make profits

There are two main ways to withdraw provident funds, one is to withdraw from purchasing a house, and the other is to withdraw from renting a house, and what the intermediary handles is The latter, by signing a false rental contract to obtain invoices and tax payment certificates. According to the relevant regulations of the Beijing Municipal Local Taxation Bureau

, individuals renting out houses are charged 5% of the rental income, of which personal income tax accounts for 0.5%, and local taxes such as urban real estate tax are levied at a total of 4.5%. The collection method Report for individuals. Landlords are worried that their houses will be "taxed", so they are unwilling to declare and pay taxes. Therefore, tenants cannot use invoices and tax payment certificates to withdraw provident funds, and then have to turn to illegal intermediaries.

In actual operation, these taxes are often borne by the tenant. "The landlord said that just this 5% is a loss of more than 3,000 yuan a year. If I don't pay him, he will rent it to someone else. After all, one-third of the provident fund I took out was used to pay this tax." said one tenant.

Many intermediaries no longer dare to get involved in provident fund payment and affiliated services. "The main purpose of the client is to get a loan to buy a house. We also did it in the past, but now the inspections are strict and we can't do it anymore." The way to pay back is to put the client in the intermediary's space. Under the shell company, the reporter consulted a number of provident fund intermediaries, and the reply was that it is now inconvenient to handle agency payment and affiliated services. "The superiors often seize our business licenses, and applying for loans to buy houses often takes a few months to pay back the provident fund. At that time, if the business license is gone, the customer will not be able to get the loan. Things are in trouble.”

Some intermediaries “collect provident funds” to make profits

Relevant legal persons told reporters that cheating on provident funds requires legal liability, and employees who cheat on provident funds will be liable if they do not. If the withdrawal is successful and the person actively cooperates with the investigation, the account will be frozen for 1 year; if the withdrawal is successful but the withdrawal is actively returned and cooperates with the investigation, the account will be frozen for 2 years; if the fraudulent withdrawal is successful and exceeds If you refuse to return the money within the specified time, do not cooperate with relevant investigations and have a bad attitude, it is misappropriation and will be dealt with in accordance with the relevant provisions of the Criminal Law.

In the process of fraudulent withdrawals, there are also certain risks when employees sign lease contracts with illegal intermediaries.

However, many employees said frankly that because the provident fund interest is too low, "If you can't withdraw it, you can only watch the money depreciate."

(The above answer was published in 2015 -07-13, the current relevant home purchase policies shall prevail)

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