Cheating provident fund constitutes fraud. Workers who withdraw the balance stored in the housing provident fund account by deception can apply for housing provident fund loans after 2 years from the date of full refund; If the circumstances are serious, you can only apply for housing provident fund loans within 5 years from the date of full refund, and the loanable amount does not exceed 50% of the normal application amount; Employees who have lived in loans overdue for more than 6 periods (including 6 periods) can apply for housing provident fund loans for 2 years from the date of loan settlement; If the circumstances are serious, you can only apply for a housing provident fund loan for 5 years from the date of loan settlement; For employees who provide false information to defraud loans, the provident fund center will keep bad credit records for 5 years, during which the application for housing provident fund loans will not be accepted; If the circumstances are serious, legal responsibility shall be investigated.

First, the consequences of defrauding the provident fund

1. Anyone suspected of forging, altering or using forged or altered certificates and seals of relevant units shall be transferred to public security organs for investigation in accordance with relevant regulations, and criminal responsibility shall be investigated according to law if the case constitutes a crime.

2 real estate development and business units, real estate brokerage institutions and real estate brokers mislead, participate in or assist employees to defraud housing provident fund, they shall verify the situation and order rectification within a time limit. Overdue rectification, according to law.

3. The employees who have formed the fact of defrauding the housing provident fund shall be dealt with in the following ways according to the specific circumstances of the case:

(1) criticize education and recover its withdrawn provident fund;

(two) to inform the supervision department of the unit where the party belongs;

(3) enter it into the blacklist system of the center and restrict it from using the provident fund for five years;

(4) Incorporated into the credit information system of the Municipal People's Bank;

4. If a staff member is defrauded of housing provident fund due to lax control, dereliction of duty or even graft, the party concerned shall be held accountable in accordance with the relevant provisions of the Provident Fund Center.

5. For reference only, subject to the regulations of the local provident fund management center.

Second, the common fraudulent withdrawal of provident fund behavior

1, forged contract.

2. issue false certificates. Including: fake marriage relationship, fake household registration certificate, fake bills, fake appraisal report, fake certificate of no room, etc.

3. Fabricating false lease, etc.

Legal basis: According to Article 266 of the Criminal Law of People's Republic of China (PRC), whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined.

If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.