If the provident fund loan application has been approved, all procedures have been completed, resignation or the provident fund has been suspended and sealed up, it will not affect the provident fund loan, only the loan card needs to be recharged on time, and the loan deduction will not be affected. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

Resignation after buying a house with provident fund loans will affect repayment?

If you have already applied for a provident fund loan, you can continue to pay and repay the loan without worrying about the closure of the provident fund and the change of interest rate.

However, after applying for a good loan, it must be repaid monthly or in advance. The suspension of provident fund loans will not affect the repayment of loans, but you must ensure that you have money in your account to repay loans every month.

If your provident fund loan application has been approved and all procedures have been completed, when you resign or the provident fund is suspended or sealed, it will not affect the provident fund loan, just deposit the money in the loan card on time to avoid affecting the loan deduction.

However, I suggest that you pay off the first home loan before resigning, so as to ensure that the provident fund loan will not be affected.

Because now I can't make up the provident fund in my own name. If I change my company, another company can't make up the provident fund for the period before I came to work in the company because of the labor contract. Provident fund loans can only be approved if they meet the requirements, and the interest is lower than that of commercial loans. The lender finally meets the requirements and shall not blindly switch to commercial loans.

Does leaving after buying a house with provident fund loan have an impact on the loan?

Does leaving after buying a house with provident fund loan have an impact on the loan? Resignation after buying a house with a provident fund loan generally has no impact on the loan, but it should be noted that if the provident fund loan is just approved and the customer directly stops paying the housing provident fund, it may be considered as defrauding welfare, and may face penalty interest, or the interest rate will rise and become a commercial loan. Of course, as long as the user does not intentionally stop paying the provident fund, there will generally be no problem. If you find a new job after leaving your job, let the new unit continue to pay the provident fund. What are the effects of the suspension of provident fund payment? 1, the suspension of provident fund payment only affects those who already have provident fund loans or are ready to apply for provident fund loans, and has no direct impact on others; 2 employees have applied for provident fund loans and stopped paying housing provident fund for a long time. The housing provident fund management center can calculate the remaining loans according to the commercial loan interest rate agreed in the contract. If you want to apply for a provident fund loan, you need to pay the housing provident fund continuously for more than 6 months, and it is in the state of payment at the time of application; 3. If the breakup is less than 3 months due to job changes, it can be used after the breakup. If you break up for more than 3 months, you need to pay another 6 months. How will the provident fund loan 1 be affected? Developers don't support it. For buyers who want to buy new houses, if they want to buy through provident fund loans in the process of buying houses, they need to ask the developers whether they support provident fund loans. Because the requirements of provident fund loans are relatively high and the loan time is relatively long, many developers do not support provident fund loans, although this situation is unreasonable. Property buyers can complain to the relevant provident fund departments, but before signing the purchase contract formally, they should consult the developer and ask which loan bank the developer has designated. 2. When applying for provident fund loans, buyers need to pay the provident fund, which has strict requirements on the payment time. Before applying for a loan, they need to pay the housing provident fund normally for six consecutive months, and the situation of paying back is abnormal. Once they jump ship, they will stop paying. Therefore, for those who plan to buy a house, it is suggested that the time for changing jobs needs to be docked with the previous home. If you stop paying, it will have an impact on buying a house in the future. 3. I bought an ordinary house. Although commercial housing can also be purchased by loans, commercial housing can only be purchased by commercial loans with provident fund loans. It can only be purchased with ordinary houses, and cannot be used to purchase public houses or commercial houses, villas and garages. Therefore, we must consider the nature of the house in advance. What should I do if I resign after the provident fund loan?

Resignation after the provident fund loan has no effect on the signed provident fund loan contract, including the loan interest rate agreed in the contract, but the deposit and payment of the provident fund are interrupted, and the remaining part that is insufficient to repay the loan needs to be paid by itself. In the subsequent repayment, make sure that the balance in the debit card is enough to deduct the monthly payment, and remember to deposit it on time so as not to affect the normal repayment. In short, leaving after the provident fund loan has no influence on the signed provident fund loan contract, and the borrower can repay the loan on time according to the contract.

1. How to fill in the deduction ratio of individual tax housing loans?

Specific report:

1. house address: fill in the detailed address of the first loan house, specific to the building number.

2. Title certificate number/real estate registration number/commercial housing sales contract number/pre-sale contract number: fill in the title certificate, real estate registration certificate, commercial housing sales contract or pre-sale contract number of the first loan house.

3. Am I a borrower? Select "Yes" or "No" according to the actual situation and tick "√" in the corresponding box. I am a borrower, including my own loan and the same loan with my spouse. If "No" is selected, spouse information must be filled in the header position.

4. Whether to make the first loan before marriage and deduct 50% after marriage: Select "Yes" or "No" according to the actual situation and tick "√" in the corresponding box. This situation refers to the situation that both husband and wife have a set of first loan housing before marriage, and each husband and wife is deducted 50% after marriage. If it is left blank, it defaults toNo..

5. Loan contract number of provident fund loan: fill in the loan contract number of provident fund loan.

6. Commercial loan contract number: fill in the housing commercial loan contract number signed with the financial institution.

7. Loan term (month): Fill in the loan term indicated in the housing loan contract, and fill it out monthly.

8. First repayment date: fill in the first repayment date indicated in the housing loan contract.

9. Lending bank: fill in the name of the head office of the commercial lending bank.

Second, the individual provident fund monthly deposit amount of 840

Generally speaking, the personal provident fund loan amount is 20 times of the balance of 10- provident fund account. The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loans to house prices, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of borrowers. The calculation method is as follows: the loan amount calculated according to the repayment ability: (total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan term (month). If the spouse's quota is used, (the total monthly salary of husband and wife+the monthly contribution of the housing provident fund of the work unit of husband and wife) × repayment ability coefficient-the total monthly repayment amount of the existing loans of husband and wife × loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (unit contribution ratio+individual contribution ratio).

The relevant legal basis of this article.

People's Republic of China (PRC) Civil Code

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.