If the employee fails to pay the housing provident fund on time, resulting in the employee applying for the loan not meeting the prescribed conditions, the employee will not be able to obtain the housing provident fund loan. In the practice of housing provident fund in various places, it is usually due to the reasons of the unit that employees are in arrears. In order to safeguard the legitimate rights and interests of employees, if the unit fails to pay the housing provident fund on time and is in arrears with employees, resulting in the employees of this unit being unable to obtain housing provident fund loans, all localities usually stipulate that the unit must repay the amount of housing provident fund owed by all employees, and after the payment, it will be regarded as that the employees of this unit have continuously paid the housing provident fund; However, there are also some local regulations that units only need to pay employees' housing provident fund. The termination of the provident fund will not be invalid, and the housing provident fund will be sealed. Provident fund, like social security, is an important guarantee for the rights and interests of employees. Even if the payment is stopped, there is no problem of "clearing the account" and "voiding the account". The money in the account is still the employee's own, and the balance inside will not disappear because of resignation. If the provident fund is "broken" due to job hopping, pay the provident fund when the unit establishes labor relations after finding a new job, and ask the original unit to transfer the account first, and all the previously paid provident fund balances will be concentrated in the new deposit account. As for the failure to pay the provident fund, it was not intentional, but because of changing jobs or the company's delay in paying it, which led to the failure to pay the provident fund. Unpaid provident fund will be replenished in time within 1 month or in a short time, but it has little impact on provident fund loans. If it is because of the company's delay in payment, it is recommended to suspend payment for more than 3 months. In many areas, if the default for the first time is more than 3 months from the following month, the applicant needs to make a normal continuous deposit for 6 months or 12 months before applying for a loan.

What if the company doesn't pay the provident fund?

If the company does not pay the provident fund, employees can complain to the housing provident fund center or make comments to the trade union organization. Provident fund is a long-term housing savings fund, which is mandatory, mutually beneficial and safe. If the unit fails to pay, it will be punished according to law.

To sum up, when the unit fails to pay the housing provident fund on time or owes the employee housing provident fund, which leads to the employee being unable to obtain the housing provident fund loan, all localities usually stipulate that the unit must pay the amount of housing provident fund owed by all employees.

Legal basis: Article 20 of the Regulations on the Management of Housing Provident Fund stipulates that the unit shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid. Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.