The suspension of provident fund loans for more than 3 months will affect loans. In arrears for more than 3 months (including 3 months), the application for individual housing loan of housing provident fund will be suspended. It is best to make up the premium owed by the unit in all months within 3 months, and then pay the fee normally; If you can't make up for it through the unit, you must also make up for it in your personal capacity.

Second, the suspension of provident fund for several months will affect provident fund loans.

Legal analysis: stopping the payment of provident fund for 3 months will affect the provident fund loan. According to the regulations, it is best to make up all the premiums owed by the unit within three months. Follow-up normal payment can not pass the unit, but also should be supplemented in personal capacity. It is particularly important to note that the housing provident fund can only be paid back by the unit, and personal identity cannot be paid back. 1. It doesn't matter if the provident fund is cut off for a short time, but it needs to continue to pay the provident fund within half a year. Now many cities have opened individual industrial and commercial households and freelancers to pay provident fund. Even if there is no unit, you can pay the cities that some units must pay normally. You can go through the formalities of linking the provident fund, and the linking unit will pay the provident fund for you. In short, the provident fund has to continue to be paid. If the supply exceeds the demand, the provident fund management will re-evaluate the loan contract and the loan interest rate will rise. 2. For the borrower who has applied for provident fund loans, if the borrower of housing provident fund loans fails to pay the housing provident fund in full and on time for three consecutive months or a total of six months, the provident fund management department has the right to terminate the loan contract and require the borrower to pay off the housing provident fund loans in advance. Legal basis: Article 25 of the Regulations on the Management of Housing Provident Fund, if an employee withdraws the balance stored in the housing provident fund account, the unit where he works shall verify it and issue a certificate of withdrawal. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Third, the suspension of provident fund for several months will affect provident fund loans.

Legal analysis: the suspension of provident fund loans for three months will affect provident fund loans. According to the regulations, it is best for the premium owed by the unit to be fully paid within three months, and the subsequent normal payment will not be fully paid. In particular, the provident fund can only be repaid through the unit, and personal identity cannot be repaid. 1. It doesn't matter if the provident fund is cut off for a short time, but it needs to be paid in six months. Individual businesses and their own funds have been opened. Even if there is no unit, some cities that must be paid by the unit can also pay normally. You can apply for provident fund and pay the provident fund.

In short, the provident fund has to continue to be paid. If the supply exceeds the demand, the provident fund management will re-evaluate the loan.

2. For the borrower who has applied for the provident fund loan, if the housing enterprise fails to pay the housing provident fund in full and on time according to the housing provident fund entrusted loan contract for a total of 6 months, the borrower is required to pay off the housing provident fund loan in advance.

Legal basis: housing provident fund management

Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction. The employee applies to the housing provident fund management center for extraction with the extraction certificate, and the housing provident fund management center shall make a decision on approval or disapproval of extraction within 3 days from the date of accepting the application, and notify the applicant; If withdrawal is granted,

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. Make a decision on granting or not granting the loan within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

4. How long can I not apply for a loan after the provident fund is paid off?

You can't apply for a loan after paying off.

Because the provident fund loan conditions require that the provident fund be paid when the loan is made.

The borrower shall meet the following conditions:

(1) Having a legal and valid identity certificate;

(2) Having full capacity for civil conduct;

(3) Having a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

(four) the purchase, construction, renovation, overhaul occupied housing;

(five) with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

(six) in line with the provisions of the client on the deposit conditions of the loan housing provident fund;

(seven) to provide a guarantee recognized by the client;

(eight) the borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy discount loans;

(9) It meets other conditions stipulated by the client.

Housing provident fund loan applicants must meet the above conditions, and housing provident fund depositors must meet one of the following three conditions:

1. Loan applicants who purchase policy-oriented housing approved by government departments should, in principle, establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full and continuously for 6 months before applying for a loan, and they are in the state of payment when applying for a loan.

2. Borrowers who purchase non-policy housing should, in principle, continuously deposit the housing provident fund in full 12 months before applying for loans, and be in the paid state when applying for loans.

3. The loan applicant is a retired employee who has paid the housing provident fund during his employment.

Production inspection data

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