Have a certain impact, the specific impact is as follows:

According to the provident fund loan policy, you can only apply for provident fund loans if you pay the housing provident fund 12 months or more. In other words, if the provident fund is interrupted or renewed for less than one year, it is impossible to apply for a provident fund loan according to the normal process.

It is best to make up the premiums owed in all months through the unit within three months, and then pay the fees normally; If you can't make up for it through the unit, you must also make up for it in your personal capacity. (In particular, it should be noted that the housing provident fund can only be repaid by the unit, and the personal identity cannot be repaid. )

The influence of cutting off provident fund on social security

medical insurance

You can't enjoy medical insurance benefits in the month when you pay for medical insurance, and you can't be reimbursed for medical treatment and medicine. If the payment is suspended for more than three months, there will be a waiting period of half a year after the renewal of insurance, and medical reimbursement cannot be made during the waiting period. Although the cumulative payment period is not clear now, the policy stipulates that women must pay for 20 years and men must pay for 25 years before they can enjoy lifelong medical insurance after retirement. Obviously, the payment of premium will affect the calculation of accumulated payment period.

endowment insurance

After the cumulative payment reaches 15 years, you can receive a pension after retirement. Although the short-term suspension of payment will not prevent you from receiving a pension after retirement, the old-age insurance is based on the principle of "paying more and getting more". The longer the interruption, the less you will get in the end.

Maternity insurance, unemployment insurance and industrial injury insurance

These three insurances must be paid in full for 12 months. If the payment is interrupted or the continuous payment is less than 12 months, during this period, maternity or family planning operations, unemployment, industrial accidents, etc. will not be able to receive insurance benefits.

To sum up, the accumulation period of the absolute social security of the provident fund has a certain impact, and it is more troublesome to pay back the provident fund after three months of severance, so try not to cause the severance of the provident fund. If there is no way to break off the housing provident fund, please contact the employer as soon as possible to make up.

After the provident fund loan, does it affect the loan if the provident fund is broken?

After the provident fund loan, the termination of the provident fund has no effect on the successful provident fund loan, because once the provident fund loan contract is signed, it will not be easily terminated. As long as the lender can repay the loan on schedule every month, the bank will not care whether there is money in your provident fund account or whether the personal provident fund is still being paid.

Resignation after the provident fund loan or suspension or even sealing of the provident fund loan will not affect the provident fund loan, nor will it affect the loan interest rate, but the lender should charge the loan card on time so as not to affect the loan deduction. However, when the diplomatic relations are broken for three consecutive months, the provident fund management center has the right to terminate the provident fund loan contract or implement the commercial loan interest rate. The general housing provident fund management center will first order the outstanding housing provident fund to be paid in full monthly during the loan period.

Refused to pay, from the housing provident fund loans have been issued to recover or implement the commercial loan interest rate. The impact of the suspension of provident fund payment on loans is mainly manifested in these two aspects:

(1) Units that are in arrears for more than 3 months (including 3 months) will be suspended from accepting applications for individual housing loans from housing provident funds.

(2) For borrowers who have applied for provident fund loans, according to the Housing Provident Fund Entrusted Loan Contract, the Provident Fund Management Center has the right to terminate the loan contract and require the borrowers to pay off the housing provident fund loans in advance.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

From July 1 2065438, all housing provident fund management centers across the country will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.

On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.

Definition:

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

The definition of housing provident fund includes the following five aspects:

Housing:

(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.

(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.

(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.

(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.

(5) The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure according to regulations, which has two characteristics:

First, it is cumulative, that is, the housing provident fund is not an integral part of employees' wages, and it is not paid in cash. It must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.

The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts.

Can the provident fund still be used when it is broken?

Provident fund refers to housing provident fund. Usually, the provident fund is a kind of welfare provided by the company to employees, which is paid by the company and employees. Part of the provident fund paid by individuals will directly enter the balance of the individual provident fund account. Sometimes because of job changes, it will inevitably lead to the severance of the provident fund. So can the provident fund continue to be used if it is broken? Let's get to know each other.

The provident fund can still be used normally after the supply is cut off, but its function will be affected to some extent. Under normal circumstances, the withdrawal of provident fund will affect the application for provident fund loans. When using the provident fund to apply for a mortgage, it is required that the provident fund account must be continuously deposited for 12 months and the provident fund is in a normal deposit state when applying for a loan. However, users can still choose to use the balance of the provident fund account, which can be used to repay loans, pay rent or decorate houses.

The above is an introduction to the use of the provident fund after the supply is cut off, hoping to help.