请问有人用EPF来供房屋贷款吗？请看下面的文章，是真的吗？
This is another method for KWSP to steal our money!
Remember during Budget 2008 announcement last yr, our Finance Minister
(cum PM) announced that
in order to assist KWSP members to reduce the burden in housing loan
repayment, KWSP will allow monthly withdrawal from members' A/C II for the
purpose?
Sounds like a nice goodies!
When you apply for the monthly withdrawal, you only need to provide KWSP
yr housing loan & installment details from yr bank and the bank a/c # you
like KWSP to bank the monthly
withdrawal into it. KWSP will approve yr application based on the
available amt in yr A/C II and compute the withdrawal period by dividing
the approved amt with the monthly installment amt. Application process
takes about a month and you will receive the monthly payout promptly into
yr bank a/c!
Well everything appear to be nice and good. It was indeed a noble plan
until you take to close look
at yr KWSP Statement!
The withdrawal plan is actually a SCAM!
This is how the KWSP SCAM works.......
Assuming you have RM100,000 in yr A/C II and yr housing loan's monthly
instalment is RM2000/mth.
KWSP will approve yr application of withdrawal from yr A/C II of RM100,000
and pay you RM2000/mth for the next 50mths.
Everything appears to be in order BUT.......
What KWSP didn't highlight to you is that when the application was
approved, the TOTAL AMT (RM100,000) is removed from yr A/C II! It appears
to be transferred to an unknown a/c to effect the monthly payment from
therein.
The impact to the member are as follows :-
1. You just lost RM100,000 from yr A/C II. Assuming the KWSP Dividend is
5%, you will lose >RM4,000 in dividend during the 1st year. Based on the
above example you will will lose >RM10,000 over the 50 mths period!
2. There is no statement to account for the amt approved vs amt paid,
hence you would need to keep the monthly payment voucher to reconcile
against the approved amt over the 50 mths period to ensure there is no
missing amt!
Assuming there are 100,000 members who innocently fell prey to this SCAM, based on the above example, KWSP would have cheated the members of 100,000
X RM10,000 = RM1,000,000,000 (that's RM1 BILLION) over the period!
Furthermore, if you discovered this SCAM early and intend to stop the
plan, KWSP would not allow any cancellation of the plan until at least 1
year. That would mean, once the application is approved, based on the
above example, you would have lost >RM4,000.
100,000 members would have lost 100,000 X RM4,000 = RM400,000,000 (RM400
MILLION) in One Year!!!
If you're a victim of this KWSP SCAM, would suggest you call yr MP to
raise hell in Parliament!
(BN MPs won't do it)
For others who have not fallen into this SCAM, pls continue to watch out
and alert yr family & friends about this.
HOW COULD THE GOVERNMENT ALLOW ITS AGENCY TASKED WITH SAFEGUARDING ITS
CITIZEN'S HARD EARNED MONEY TO CHEAT ITS MEMBERS IN THIS MANNER??? |
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发表于 29-10-2008 07:06 PM
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