Yes, if the provident fund loan fails to pass the examination and approval, you can cancel your account at the provident fund management center as soon as possible. Applying for a loan is equivalent to a loan invitation letter. Once the bank promises that the loan contract is reached, the loan application cannot be cancelled at this time. Therefore, before the bank approves, the loan is for people.

Second, how to cancel the ex-husband's provident fund loan

Method for canceling withdrawal of provident fund account: 1. Under any of the following circumstances, the storage balance in the employee housing provident fund account can be withdrawn: purchase, construction, renovation and overhaul of self-occupied housing; Retired; Completely lose the ability to work and terminate the labor relationship with the unit; Cities and counties where the registered permanent residence has moved out or settled abroad; Repay the principal and interest of the house purchase loan; Rent exceeds the prescribed proportion of family wage income. 2. When withdrawing the employee housing provident fund, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund. 3 workers from the balance of the housing provident fund account, the unit shall verify, and issue a certificate of extraction. 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.

3. Can the spouse withdraw the provident fund when repaying?

No, if you want to use the repayment loan to withdraw the provident fund, you must use your own repayment process. Your spouse changes the loan. You can't withdraw the provident fund without your name in the house.

Fourth, how to withdraw the provident fund after divorce

Legal analysis: the premise of withdrawing the provident fund is that the loan has been paid off, so there is no way to cancel the housing provident fund loan. The housing accumulation fund actually obtained or should be obtained by both men and women during the existence of husband-wife relationship belongs to the common property of husband and wife and should be divided when divorced.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1076 If a husband and wife divorce voluntarily, they shall sign a written divorce agreement and apply for divorce registration in person at the marriage registration office.

The divorce agreement shall specify the expression of willingness of both parties to divorce and the consensus on matters such as child support, property and debt disposal.

Article 1079 If one of the spouses requests a divorce, the relevant organization may mediate or directly file a divorce lawsuit with the people.

The people's court shall mediate in the trial of divorce cases; If the relationship has indeed broken down and mediation is ineffective, divorce should be granted.

In any of the following circumstances, if mediation fails, divorce shall be granted:

(a) bigamy or cohabitation with others;

(2) committing domestic violence or abusing or abandoning family members;

(three) gambling, drug abuse and other bad habits;

(four) separated for two years due to emotional discord;

(5) Other circumstances that lead to the breakdown of the marriage relationship.

If one party is declared missing and the other party files a divorce lawsuit, the divorce shall be granted.

After the people's court has ruled that divorce is not allowed, the two parties have been separated for one year, and if one party files a divorce lawsuit again, it shall be allowed to divorce.