这是转摘 谢谢
Date: Monday, October 27, 2008, 1:14 AM
> 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 load 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 & instalment
> 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 instalment 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 transfered 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 50mths 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!
> 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
> SAFEGUARIDNG ITS CITIZEN'S HARD EARNED MONEY TO CHEAT
> ITS MEMBERS IN THIS MANNER???
更新: November 1, 2008 01:44
房貸計劃惹併吞利息疑雲
EPF應悉數匯入省利息
報導：吳俐瑩
理財師建議公積金局，將第二戶頭的部分存款，一次性攤還給銀行，甚于存放在個別戶頭每月攤還。
（吉隆坡31日訊）公積金局的房貸攤還計劃惹來“併吞”會員利息的疑雲，儘管該局昨晚已發文告澄清說明，惟理財師仍認為，公積金局處理方式欠透明化。
他們認為，既然公積金局可把大筆款項從第二戶頭移至另一戶頭，而不一次性將款項悉數匯入會員借貸銀行，以減輕利息負擔呢？
馬來亞大學商學院副教授兼稅務專家鐘貴發博士向《中國報》指出，一次性攤還給會員的借貸銀行，才是明智之舉。
“這是最有效且一勞永逸的作法，會員不但可省下貸款利息，而且也無須擔憂每個月的房貸問題。”
宏願理財機構（Great Vision）董事經理陳文博皆認為，公積金局應該將第二戶頭的大筆款項一次性攤還給會員的借貸銀行，才是明智之舉。
“倘若當局堅持使用個別戶頭處理，我建議將一次轉移10年的存款改為每年轉移一年的存款用以攤還房貸。”
他認為，公積金局的處理方法並不透明化，而且或將間接導致會員的利息流失，因此，冀當局可認真探討其可行性。
針對早前網上流傳的電子郵件，指公積金局在房貸攤還計劃下，會員將損失利息，公積金局昨日已在網站上發表文告說，這郵件並沒根據。
月結單應列明
該局說，獲批的款項從第二戶頭的存款被轉移至該局內部戶頭，利息將照支付給會員。
況且此房貸攤還計劃今年才推出，因此會員仍未收到利息。
文告指出，用于攤還房貸款項的年利息將存入會員的第二戶頭。
除了一次性匯入款項的疑問，鐘貴發對公積金局的勵貸攤還有另2個疑問。
“首先，倘若公積金局堅持分開戶頭處理款項，為何房貸攤還戶頭的利息不分開列明在月結單，反而欲將利息納入第二戶頭?”
另外，他認為，利息轉移的過程中難免會出現失誤，這種作法對于不清楚利息計算方式的普羅大眾不公平。
確保無誤
定時查戶頭資料
公積金會員必須定時檢查戶頭資料，確保無誤，以維護本身的利益。
鐘貴發指出，公積金局常會更新資料庫或系統，因此會員有必要養成定時檢查戶頭的資料無誤的習慣。
這包括檢查會員名稱、收益人名稱、電話及住址等。
另外，會員常會有一種觀念，即認為只要母金沒計算錯誤，利息流失無所謂。
“會員必須了解，我們是不會損失母金，但利息流失積少成多后，即是一筆可觀的數目，但會員卻常忽略利息的重要性。”
此外，對于公積金局最近“慷慨”救市並大量投資股市的舉動，鐘貴發認為，這無形中損害會員的利益。
“公積金局未經會員同意出手救市，又將資金投資在回酬欠佳的股票，其實我們所得的利息已漸漸流失，只是大家不為意而已。”
因此，他希望通過“公積金局的房貸攤還計劃事件”提醒會員，利息流失的重要性。
鍾貴發：應清楚列明計算
公積金局應將第二戶頭及房貸攤還戶頭的計算，清楚列明在月結單，以示賬目透明化。
針對鐘貴發認為，房貸攤還戶頭利息不分開列明在月結單，以及利息轉移過程中或出現失誤。
他建議，既然房貸攤還戶頭也由公積金局管理，那大可將此戶頭的一切計算列明在月結單上。
“簡單來說，即把第二戶頭及房貸攤還戶頭分別列明在月結單上，利息也分開計算並納入個別戶頭。”
他說，將房貸攤還戶頭的利息轉移至第二戶頭，對于不清楚利息計算方式的普羅大眾甚不公平。
對大眾不公
舉例而言，假設房貸攤還戶頭內有10萬令吉，每個月拿出700令吉攤還房貸，那究竟利息是從扣除后的9萬9300令吉開始計算，還是從10萬令吉開始計算？
“若將兩個戶頭清楚列明，懂得計算的人要自己計算也可，不算也罷，但至少整個賬目透明化，會員較有信心及保障。”
鐘貴發說，分開戶頭處理已將利息計算復雜化，一旦公積金局管理不當，會員利息流失的風險會更高。
財金術語
公積金戶頭用途
今年初，公積金局批准會員支領第二戶頭的存款攤還房貸。
公積金局是從07年1月2日起，將會員原有的三個戶頭，結合成目前的第一及第二戶頭。
會員繳付的公積金將按70：30的比例存入第一及第二戶頭。
根據條例，會員可支領公積金購買房屋、教育、退休金以及作為醫藥用途，而在退休前所支領的款項來自第二戶頭。
會員55歲前不能提出第一戶頭存款，但可在當局批准后用作投資如信託單位基金。
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