Online transmission of sudden payment of provident fund to increase loan amount official rumor： not feasible

　　Recently, a copy of "Housing Provident Fund Raiders 2.0" has been circulated wildly in the circle of friends. Among them, the statement that "sudden payment can increase the loan amount" has caused heated discussion. So, can it really increase the loan amount through this way? China Economic Net reporter learned from the Beijing Housing Provident Fund Management Center that this practice is not feasible. The management center will strictly examine the case of sudden increase in the deposit amount, and once the problem is found, it will be dealt with seriously, and the provident fund loan center also has the right to refuse the loan.

　　Online sudden payment of provident fund can increase the loan amount.

　　According to the "Raiders of Housing Provident Fund 2.0" circulating on the Internet, for people with low provident fund loan amount, they can increase the loan amount by paying a sum of money suddenly, because the main factors affecting the loan amount are "monthly deposit amount" and "balance of provident fund account".

　　"Raiders" said that according to the company’s situation, try to apply for an increase in the amount of personal contributions, so that the monthly payment amount can reach the upper limit allowed by the region. In addition, the annual payment amount can be adjusted from July to September, and it cannot be adjusted again within one year after adjustment.

　　"Raiders" for example, if a person generally pays 300 for the company and 300 for the individual, in this case, the monthly deposit is 600 and the balance is 600. The surprise payment can be 300 for the company and 5,000 for the individual, which becomes a monthly payment of 5,300 and a balance of 5,300.

　　Beijing Provident Fund Management Center: If it is not feasible, it will be strictly investigated.

　　The Regulations on the Management of Housing Provident Fund stipulates that the monthly contribution of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the contribution ratio of employee housing provident fund. The monthly deposit amount of the housing provident fund paid by the unit for the employees is the average monthly salary of the employees in the previous year multiplied by the proportion of the housing provident fund paid by the unit. The deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year, and cities with conditions may appropriately increase the deposit ratio.

　　Generally speaking, the deposit ratio depends on the specific circumstances such as the economic and social development of each region. In 2015, the contribution rate of housing provident fund in Beijing was 12%, and the upper limit of monthly contribution in Beijing in 2015 was 4,654 yuan (including unit contribution and employee contribution).

　　Then, can you apply to the company to increase the personal payment amount as mentioned in the "Raiders"? "No, how much the provident fund is paid is based on the salary calculated by the unit, and the deposit ratio in Beijing is 12%. Therefore, the average annual salary is certain, and how much is actually paid, not how much the individual wants to pay. " A person from the Beijing Housing Provident Fund Management Center said, "The provident fund is not taxed, and individuals wish to put it all in the provident fund, but this is obviously impossible."

　　According to the expression of the above-mentioned "provident fund raiders", it may mean that some enterprises increase the average monthly salary in disguise to take care of the employees’ provident fund loan amount when they buy a house through illegal operations, so that the amount paid by the provident fund will rise rapidly in the short term.

　　In this regard, the above-mentioned person said, "This is also impossible. The management center will check the labor contract, five insurances and other certificates. If the provident fund is raised, the social security will be raised as well, not to mention paying personal income tax."

　　In other words, after the salary is raised, it will enter a new level of personal income tax rate, which will increase the tax burden, and social insurance such as pension, unemployment, medical care, maternity and work injury will be deducted accordingly. "Finance has proved that these things are your real things, not fraud."

　　The above-mentioned people stressed that the provident fund management center will strictly review such sudden increase in the amount of payment, and once problems are found, they will be dealt with seriously, and enterprises will have to bear corresponding responsibilities. In addition, the provident fund loan center will also verify through past transaction records, social security vouchers and other means. Once problems are found, it has the right to refuse loans, which will affect personal credit and other issues, which will not pay off.

　　"It is not ruled out that there were intermediaries doing illegal things like this before, but they will be strictly investigated here." It is reported that a similar incident occurred in Beijing in 2013, "but this has not happened in these two years."

　　Prevent fraudulent provident fund behavior in many places.

　　The reporter combed the previous reports and found that many places have severely cracked down on the practice of paying the provident fund to increase the loan amount.

　　In March 2013, Wuhan Housing Provident Fund Center announced that to apply for provident fund loans, the provident fund must be paid normally for more than 6 months, and it is strictly forbidden to "suddenly pay back" in the month of insufficient payment to qualify for loans. The Provident Fund Center emphasizes that the deposit account should be opened at least 180 days before applying for a loan, and it should be deposited continuously for more than 6 months every month, and the account status is normal before applying for a provident fund loan. In order to avoid the false buying and selling of second-hand houses to obtain provident fund, Wuhan also stipulates that if the same house is transferred for more than two times within half a year, the owner and spouse’s provident fund for the second transfer must have "two certificates" for six months before they can be withdrawn.

　　In May 2013, Shijiazhuang Housing Provident Fund Management Center issued the Notice on Strictly Examining the Qualifications of Applicants for Housing Provident Fund Loans, saying that it would severely crack down on the sudden deposit of provident fund and the withdrawal of housing provident fund loans after applying for provident fund loans.

　　Shijiazhuang Housing Provident Fund Management Center found that individual real estate development enterprises, intermediaries and talent agencies charge high fees for buyers when they apply for housing provident fund loans, and take measures to pay housing provident fund for buyers who have not paid housing provident fund, and immediately seal up their accounts to stop paying housing provident fund loans.

　　In view of this phenomenon, the Notice requires all real estate development enterprises and intermediaries to strictly review the qualifications of applicants for housing provident fund loans in accordance with the provisions that employees who have normally paid housing provident fund for more than one year can apply for housing provident fund loans when accepting applications for housing provident fund loans from buyers. It is strictly forbidden to deposit housing provident fund for buyers for the purpose of handling housing provident fund loans, otherwise the qualification for housing provident fund loan cooperation will be cancelled.

　　The "Notice" requires that the qualifications of applicants for housing provident fund loans should be strictly examined, and it is strictly forbidden to deposit housing provident fund for buyers for the purpose of handling housing provident fund loans, otherwise the qualifications for housing provident fund loans will be cancelled.

　　As far as Beijing is concerned, as early as 2010, relevant policies were introduced to regulate personal loans for housing provident fund. The policy points out that the Beijing Housing Provident Fund Management Center should make full use of the information systems of the Municipal Housing and Urban-Rural Development Committee and the Business Management Department of the People’s Bank of China to verify the existing housing situation and personal housing loans of the provident fund personal loan applicants. The management center should further improve the information sharing mechanism with the Municipal Housing and Urban-Rural Development Committee and the Business Management Department of the People’s Bank of China to prevent fraudulent personal loans from provident fund. (Reporter Li Fang)