If you have not applied for a provident fund loan, you can only apply for a commercial loan after the provident fund is suspended. If you have obtained the provident fund loan contract and the loan money has been paid, it will not affect the situation that you stop paying for a period of time. Moreover, after the provident fund loan, in the process of repaying the mortgage, the suspension of the provident fund loan or the suspension of the loan for a period of time will not affect your provident fund mortgage.

Conditions for the company to purchase provident fund:

1. company registration: the company must complete the registration in industrial and commercial registration and obtain a business license;

2. Company size requirements: Generally, the company size is required to be within a certain range. For example, some regions stipulate that the registered capital of a company shall not be less than a certain amount, or the number of employees of the company shall not be less than a certain number;

3. Deposit ratio requirements: the proportion of the company's contribution to the provident fund is generally stipulated by the local provident fund management center. For example, in some areas, companies are required to pay provident fund according to a certain proportion of the total wages of employees or a certain proportion of the number of employees;

4. Time requirement for deposit: The company needs to deposit the provident fund according to the prescribed schedule and method. For example, in some areas, it is required to deposit it once a month or once a quarter.

The process of provident fund loans is generally as follows:

1. Provident fund deposit: firstly, it is necessary to deposit the provident fund in the name of the unit or individual, and the time and amount of deposit depend on local regulations and personal circumstances;

2. Inquire about the loan amount of provident fund: On the premise of paying the provident fund, you can inquire about the loan amount of provident fund at the local housing provident fund management center or relevant banks to understand the relevant loan policies and requirements;

3. Submit a loan application: select qualified provident fund loan products according to your own needs and abilities, and submit a loan application to the relevant bank or provident fund management center;

4. Providing loan materials: According to the requirements of the bank or provident fund management center, provide relevant loan materials, including identity certificate, work income certificate, real estate certificate, etc. ;

5. Review and evaluation: the bank or provident fund management center will review and evaluate the loan application and related materials to determine the loan amount, loan interest rate and other specific conditions;

6. Signing a loan contract: after approval, the bank or provident fund management center signs a loan contract with the borrower, stipulating the repayment method, repayment period, repayment interest rate and other specific terms;

7. Lending: After signing the loan contract, the bank or provident fund management center will directly transfer the loan money to the borrower's account and start to calculate the repayment time and interest.

To sum up, different banks and provident fund management centers may have different requirements and procedures when reviewing loans and loans. The specific process can be understood and consulted according to the regulations and requirements of relevant local departments. At the same time, borrowers should choose appropriate loan products and quotas according to their own conditions, and repay on time and in quantity to avoid unnecessary repayment pressure and interest loss.

Legal basis:

"Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund" thirteenth.

The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

Article 14

The newly established unit shall, within 30 days from the date of establishment, go to the housing provident fund management center for registration of housing provident fund deposit, and within 20 days from the date of registration, go through the formalities for the establishment of housing provident fund accounts for its employees.

Where a unit is merged, divided, revoked, dissolved or bankrupt, the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and handle the transfer or seal-up procedures for the employees of the unit within 20 days from the date of completing the change or cancellation of registration.