Ji'nan provident fund loans to deal with some new difficulties, some buyers intermediary profits
http://www.dzwww.com/xinwen/guoneixinwen/201211/t20121110_7661003.htm
China Radio Network
according to the news of the news late peak of China, the new regulation of the Ji'nan provident fund, which has been implemented in October, worries some citizens who want to buy a house, because their own MPF is too small and the amount of the provident fund loan is limited. And the commercial loan interest rate is too high. Seeing this opportunity, some intermediary companies claim that they can help to find ways to raise the amount of provident fund loans. How do these intermediaries operate? What are the risks?
since October, Ji'nan, Shandong, has implemented a new provident fund policy. The policy stipulates that the maximum loan of 250 thousand yuan for the workers and workers in the urban area of the urban area is the maximum. At the same time, the amount of the loan can only be calculated according to the 15 times the balance of the borrower and the common repayment fund. This is not bad for some people who have just graduated but intend to buy a house.
citizen Xiao Liu is one of them, she told reporters, now a set of houses down to close to 1 million, according to the new deal, for the new job for 2 years, for her, the use of provident fund loans can only loan to 100 thousand yuan, the pressure of buying a house is big.
Liu: according to the calculation of the balance, 250 thousand will definitely not lend. Now I have to pay enough for more than 12 months, so I just want to buy a house when I join the work, so many people can't afford to buy such a house. I have provident fund, I do not have a provident fund.
it is understood that about 10% of the consumers who plan to buy houses in Ji'nan are affected. Some intermediary companies took the opportunity to make up and pay the provident fund, so that buyers can smoothly loan 250 thousand yuan. According to the information left on the Internet, the reporter contacted a provident fund to pay the company.
reporter said that the provident fund is only about 150 yuan a month, the balance of the entire account is about 8000 yuan, so that only 120 thousand of the loan can be loan, and he wants to borrow the maximum amount of 250 thousand. Staff said that they could help customers solve the problem of insufficient fund balance according to the different requirements of customers. The specific way is that the client can transfer the unit of the provident fund to them, which they are responsible for, on the premise that the original company has promised to change the business.
staff: now personal words, most can lend 250 thousand, your company has to stop you over there, and then transfer to our side, Ji'nan can not open two accounts at the same time, so that the highest base of our side can be paid, because it can be a freelancer. After 1500 or six months of a month, your balance will be 17000, multiplied by 15 times the balance, and 250 thousand will be enough.
business change is not gratuitous, but to charge a certain fee.
staff: the service charge is 30 for one month, 360 for a year, and 100 yuan for opening accounts.
can cost hundreds of thousands of dollars more than just a few hundred dollars, which does sound tempting. In this regard, the reporter interviewed the Ji'nan housing provident fund management center of the relevant responsible person, he said, the accumulation of accumulation fund needs to pay the need to pay proof, and need to pay income proof, at the same time two proof to the same unit, only to raise the amount of payment is not feasible.
person in charge: if you are a unit of work, just in order to pay more money, in the end, to meet the needs of personal loans, then he can go outside to open a new account, but your salary proof and your payment prove that not one unit is now.
the official also indicated that through intermediary company operation, it also contains certain risks, and for this behavior, they also need to investigate and deal with it.
person in charge: we have not found such a case yet. If we find that we are going to investigate it. You are now satisfied with the condition that you have paid for twelve months in a row, and then he will hand it in before the company or the loan, and if he has a loan, he won't be able to pay it again because he has achieved his personal loan purpose. Then if he continued to continue to interrupt or not give you the unit, that is to say to him personally or to the fund management of this provident fund, which is a great impact.