Now that the housing provident fund loan is cut off, it will generally affect the loan interest rate. When breaking off diplomatic relations 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.

Regulations on the administration of housing provident fund

Twenty-first housing provident fund from the date of deposit in the employee housing provident fund account, according to the interest rate prescribed by the state.

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.

Break off diplomatic relations after provident fund loan

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 in China 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.

What should I do if I stop paying the provident fund after I repay the loan?

Workers who have paid the housing provident fund can continue to enjoy the preferential policies of housing provident fund if they stop paying the provident fund after obtaining the provident fund loan. As long as the employee deposits the money into the repayment account on time and in full.

However, because the housing provident fund policy is a local policy, the regulations vary from place to place. When applying for provident fund loans, the local housing provident fund policy shall prevail.

The interest rate of 20 13 housing provident fund loan is implemented according to the interest rate standard issued by the central bank on July 6, 20 12, that is, the interest rate is 1-5 years and the annual interest rate is 4.0%; The loan interest rate for more than 5 years is 4.5%, and there is no preferential discount for the provident fund loan interest rate. The so-called preferential discount is for commercial loans.

Housing provident fund loan is a welfare policy specially set up by the state for employees who pay housing provident fund. As long as employees meet the relevant provisions of provident fund loans, they can apply for loans. However, the basic conditions for applying for provident fund loans are: employees pay the housing provident fund in full and on time 1 year or above (including 1 year), and they have not withdrawn the provident fund as the down payment for buying a house. At the same time, I have not applied for provident fund loans or the provident fund loans I have obtained have been paid off.

Basic conditions for applying for individual housing provident fund loans:

The loan object shall meet the following four conditions:

(1) Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

(2) If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

(3) If one spouse has applied for a housing provident fund loan, neither spouse may obtain a housing provident fund loan again before the principal and interest of the loan are fully paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

(4) When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

What should I do if the provident fund stops after the provident fund loan?

Buy a house with a provident fund loan. After the provident fund stops, just deposit it into the repayment account of the loan on time every month. Since the loan has been issued, it will be calculated according to the interest rate agreed in the previous loan contract. Housing provident fund generally has a personal account. All expenses paid by enterprises and individuals constitute the total personal account. After resigning, they just stopped paying wages. However, individuals who belong to the fund in the account can withdraw freely at any time as long as they meet the conditions for withdrawing the provident fund.

1. Precautions for purchasing houses with provident fund loans. Time for continuous payment of provident fund. Many local cities stipulate that housing provident fund loans should be paid continuously for more than half a year. Therefore, if you plan to buy a house, you must be prepared in advance. Don't pay the provident fund halfway, so as not to affect your normal application for provident fund loans. You'd better go to the provident fund center and ask if you meet the requirements. The debt ratio is too high. If the borrower's debt ratio exceeds 50% of the total personal income, it is even more dangerous. The housing provident fund loan center will think that the applicant's repayment pressure is too great and generally will not grant loans to the applicant.

2. Personal credit information is very important, which has a great impact on mortgage, car loan and credit card. If there are bad stains, it will affect the provident fund loan. Under normal circumstances, the provident fund management center will not issue loans to such people. The number of provident fund loans is limited, and ordinary families can only use provident fund loans twice. According to the situation of each city, the first loan will be larger than the second loan. If you use the provident fund loan twice, you can't get the provident fund loan. The applicant's age is limited, and the longest term of provident fund loan shall not exceed 5 years after the borrower retires. That is, the sum of the age of the male applicant and the loan term is less than 65 years old, and the sum of the age of the female applicant and the loan term is less than 60 years old, which determines the maximum term of your provident fund loan.

3. Pay attention to timely repayment. After the provident fund loan is successfully handled, the lender shall deposit the monthly repayment amount in full into the repayment account before the agreed monthly repayment date. At the same time, the borrower shall ensure that the balance in the repayment card (passbook) is sufficient to repay the monthly loan of the current month, and shall not overdue the loan due to insufficient balance in the card (passbook).

Does it matter if the provident fund loan is broken after it comes down?

Legal analysis: cutting off the housing provident fund will have the following effects:

1. If the housing provident fund is broken, the account will not be cancelled, but if it is not paid continuously, you can't get a loan when you buy a house, so you can only withdraw the money from the account. Only by continuous payment (6 months in Shanghai) can the loan be obtained.

2. The housing accumulation fund has been broken, and the account can actually be transferred to the city where you work now. But if you want to buy it, it depends on the policy of the city where you work.

3. The housing accumulation fund is broken. If you want to cancel, reset the housing provident fund card first. You'd better ask at the bank.

Storage of provident fund units

Workers in the following circumstances for housing provident fund accounts sealed procedures:

(1) The employees of the merged or bankrupt enterprise have not signed a labor contract with the new unit;

(2) The employee's unit has been revoked;

(3) The employee and the unit terminate the labor contract and are not re-employed;

(4) The employee resigns or is dismissed, dismissed or not re-employed;

(5) During the period of serving a sentence or reeducation through labor;

(6) approved the holdover of housing provident fund within the approved holdover period;

(7) Other reasons that need to be sealed.

Employee accounts are sealed and cannot apply for housing provident fund loans, but because of the purchase of self-occupied housing, the account balance can be withdrawn.

Individuals who change jobs need to seal up the housing provident fund of the original unit. The balance in the provident fund account cannot be withdrawn during the sealing period. After joining the company, when the housing provident fund is paid again, the seal of the unit provident fund can be cancelled.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, 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.

The provident fund stopped during the mortgage repayment.

If the mortgage repayment period is already in progress, the housing provident fund will be stopped. If you leave, the original unit will not pay the housing provident fund for the resigned person, so the housing provident fund will be suspended and sealed. Because the suspension of payment of provident fund appears after the provident fund loan, it has no effect on the success of the housing provident fund loan. The borrower only needs to repay the loan on time according to the regulations of the provident fund management center.

Paying the housing accumulation fund is equivalent to the welfare provided by the company to employees. Many companies will pay five insurances and one gold for their employees. One gold refers to the housing accumulation fund, which can be used for loans to buy a house or for withdrawal. The biggest role of housing provident fund is to buy a house. When buying a house, you can use the housing provident fund loan. At present, the benchmark interest rate of provident fund loans stipulated by the People's Bank of China is 3.25%, and the interest rate of commercial mortgage loans reaches 5.39%. Compared with the two, provident fund loans can save a lot of interest. ? If it is before the provident fund loan, the housing provident fund will stop. To apply for housing provident fund loans, certain conditions need to be met, among which the specified housing provident fund should be paid, and the housing provident fund should be paid in full for 12 months before applying for loans. When the housing provident fund is paid off, it is in a sealed state, which does not meet the conditions for housing provident fund loans, so it will affect housing provident fund loans. If it is a provident fund loan, the housing provident fund will be stopped. To buy a house and use a housing provident fund loan, you need to go through the relevant procedures at the local provident fund management center. The process of housing provident fund loan is not difficult, but the review time is longer than that of commercial mortgage, which may take two or three months. During the audit of the provident fund center, the payment of the provident fund may affect the housing provident fund loan. If the provident fund center just fails to pay the provident fund when reviewing the personal account status, it can refuse to apply for a provident fund loan.

Cutting off the housing provident fund will have the following effects:

1. If the housing provident fund is broken, the account will not be cancelled, but if it is not paid continuously, you can't get a loan when you buy a house, so you can only withdraw the money from the account. Only by continuous payment (6 months in Shanghai) can the loan be obtained.

2. The housing accumulation fund has been broken, and the account can actually be transferred to the city where you work now. But if you want to buy it, it depends on the policy of the city where you work.

3. The housing accumulation fund is broken. If you want to cancel, reset the housing provident fund card first. You'd better ask at the bank.

The housing accumulation fund is broken, and the company may buy you something similar to insurance. You may have dozens of dollars to buy regular medicine every month. Of course, if you don't work in this company, you may not be able to spend money on it.

Legal basis:

Article 11 of the Regulations on the Management of Housing Provident Fund? The housing provident fund management center shall perform the following duties:

(a) the preparation and implementation of housing provident fund collection and use plan;

(two) responsible for recording the deposit, withdrawal and use of employee housing provident fund;

(three) responsible for the accounting of housing provident fund;

(four) to approve the extraction and use of housing provident fund;

(five) responsible for the preservation and return of housing provident fund;

(six) the preparation of housing provident fund collection and use plan implementation report;

(seven) to undertake other matters decided by the housing provident fund management committee.

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This concludes the introduction of stopping provident fund after loan and stopping provident fund loans. I wonder if you have found the information you need?