When opening an account, you need to provide the cancellation certificate of the original unit's provident fund account to prove that the provident fund loan has been paid off or transferred to the new unit for deposit, before you can make a new provident fund deposit.
If there are still outstanding provident fund loans, you can choose to continue to pay the provident fund in the original unit and repay according to the original repayment plan. If you can't continue to deposit the provident fund in the original unit, you need to contact the original unit in time to understand the repayment method and process, and make repayment according to the agreed time and amount to avoid problems such as overdue repayment.
There may be differences in the specific provisions of provident fund loans in different regions and banks, and the specific situation needs to be handled according to local policies and regulations and bank requirements. It is suggested to know the relevant regulations and procedures in advance before leaving the original work unit, and communicate and negotiate with the provident fund management departments of the original and new units in order to successfully complete the provident fund deposit and loan repayment.
The specific provisions for the use of provident fund include:
1. Buying a house: you can use the provident fund loan to buy a self-occupied house, but there are certain restrictions, including loan amount, purchase area, purchase city, etc. Generally speaking, provident fund loans can be used to buy second-hand houses or new houses, and commercial real estate is not allowed;
2. Decoration: you can use the provident fund to withdraw funds for house decoration, but you need to meet certain conditions, such as accumulated deposit time and withdrawal quota. The use of funds for the renovation of the provident fund may be different in different regions, and it is necessary to consult the local housing provident fund management center or relevant departments;
3. Mortgage repayment: You can use the balance in the provident fund account to repay the mortgage, but you need to apply for withdrawal before repayment. Please consult the local housing provident fund management center for specific application methods and conditions;
4. seeking medical treatment: you can use the funds from the provident fund to pay the medical expenses that meet the reimbursement conditions. The scope and standard of medical reimbursement for provident fund may be different in different regions, so it is necessary to consult the local housing provident fund management center or relevant departments.
To sum up, the specific provisions on the use of provident fund may vary from region to region and from policy to policy. The local housing provident fund management center or relevant departments should be consulted to ensure the legality and effectiveness of the use of the provident fund. In addition, when using the provident fund, we should abide by the relevant regulations and requirements to avoid illegal acts and losses.
Legal basis:
The "Regulations" of People's Republic of China (PRC) housing provident fund management fifth.
The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.
Article 26
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.