Is it reliable to pay social security provident fund online? What are the precautions?

In order to buy a house, I carefully saved the social security period. But once the "naked resignation" is over, it's really not cost-effective to start all over again.

A friend who is used to online shopping also searched for keywords such as "paying social security and provident fund" on the shopping website out of curiosity, and sure enough, a bunch of content that looked very useful came out, and many people paid for it.

Content found by keyword "pay social security"

Keyword "pay provident fund" to find the content.

This friend also found a payment company to chat with.

It is understood that the other party is a legitimate human resources company. Take the provident fund as an example. The payment method is 65,438+02% of salary, with a monthly salary of 4,000 yuan paid to 480 yuan. The monthly agency fee is less than 1 ,000 yuan, and the payment amount is more than 1 ,000 yuan. The service fee is 60 per year for three months in 480 yuan and half a year in 780 yuan. Pay a quarter of the money at a time and sign a contract for at least half a month.

As for the transaction method, it can be completed through the payment channel of the shopping website. After payment, the other party will send the receipt and contract, and ensure that this friend can check the balance of the provident fund online.

Then the problem is coming. Is this really reliable?

Although I haven't tried it, I just feel that I have to pay the provident fund fee and agency fee for three months first. There is no security between them. If I am really a liar, I am a big loser every minute.

And think again, under normal circumstances, the employer will pay the social security accumulation fund for you only if you sign a formal labor contract with the employer, but this payment company will only give you a payment contract and will not sign a labor contract for you. It really feels unreliable.

According to the regulations, employees must sign a labor contract with the employer and establish a labor relationship with the employer in order to pay social insurance through the unit. In addition to employees signing labor contracts with employers, there are also professional human resources service companies approved by the lobby of provincial and municipal labor and personnel departments for labor dispatch. Labor dispatch agencies sign labor contracts with dispatched workers, and send them to other employers after paying remuneration. In this case, it is also in line with the policy for labor dispatch companies that sign labor contracts to pay social insurance. It is illegal to pay social security only through affiliated institutions if employees have no labor relationship with enterprises and are not labor dispatch. Once found, hell to pay.

It's really scary to say.

So if you resign, you can only watch the social security and provident fund pay off?

The real situation is not entirely so. According to the provisions of the Social Insurance Law, employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

If you are really anxious to pay social security through an intermediary, it is recommended to pay attention to the following issues.

In fact, if you are really in a hurry to make up social security, it is ok for some intermediaries to pay social security. After all, your purpose is only to buy a house with more protection, and everyone can understand.

However, we must pay attention to the following issues:

The first is the requirements for social security information in the region.

Some areas need to review personal social security information when handling provident fund loans. If the social security payment unit and the provident fund deposit unit are inconsistent, it may not be possible to apply for provident fund loans. This may lead to the abandonment of the provident fund deposit. For example, in Shanghai, at present, "paying social security" is strictly prohibited. In the process of "household transfer", it is required that the social security payment unit and the individual tax payment unit must be consistent.

The second is to know more about the qualifications of intermediary companies.

The legitimacy of the intermediary company should be examined, such as whether its business license and the certificate issued by the registration authority and the competent department are complete. In case the leather bag company circles the money and leaves.

(The above answers were published on 20 16- 12-20, and the current relevant housing purchase policies should be based on the actual situation. )

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