Legal analysis: whether the loan can be continued after the provident fund is stopped depends mainly on the length of time. Generally, the payment is suspended for no more than 3 months, and you can continue to apply for provident fund loans after timely payment. If the payment is suspended for more than 3 months, the provident fund management center will suspend the acceptance of the application for individual housing loans from the provident fund. If it is a borrower who has applied for a provident fund loan, according to the contract, if the housing provident fund loan borrower fails to pay the housing provident fund in full and on time for three consecutive months or six cumulative months, the provident fund management center has the right to terminate the loan contract and will require the borrower to pay off the housing provident fund loan in advance.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.

Two, how to use the housing provident fund loans, for example.

I. Materials required for housing provident fund loans:

1. Household registration book of the borrower and his spouse;

2. Resident identity cards of borrowers and their spouses;

3. Proof of the marital status of the borrower;

4. Proof of down payment for house purchase;

5. The credit status report of the borrower and his spouse printed by the bank;

6. Housing sales contracts or agreements that meet the legal requirements.

The second is the conditions for handling housing provident fund;

1. Individuals and their units must pay the housing accumulation fund continuously for one year;

2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Three, the housing provident fund management process:

1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

2. After receiving the application, the loan bank shall confirm and review the information;

3. After the audit, the lending bank will contact the lender and sign relevant contracts;

4. For bank loans, the lender shall fulfill the repayment obligations.

Third, how to use provident fund loans

Provident fund loans are generally used to purchase houses, which can be used through the following processes:

1, the borrower applies for a loan from the bank, fills in the application form for provident fund loan and submits the information.

2. After acceptance, the bank will conduct a preliminary examination and then submit it to the local provident fund center.

3, provident fund center for loan approval, after the completion of the examination and approval will inform the bank of the results.

4. After passing the examination and approval, the bank informs the borrower to go through the loan formalities at the bank and sign a loan contract.

5. The borrower shall guarantee the loan by mortgage of the house and handle the mortgage registration.

6. Bank loans.