The suspension of the payment of the provident fund may affect the provident fund loan, but it needs to be based on the period of suspension and whether the provident fund has been paid for more than 6 consecutive months recently.

The general provident fund loan conditions are as follows:

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

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 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. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of financial support to meet the basic housing needs of workers' families, it is also a kind of financial support for housing security.

legal ground

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 the employee housing provident fund account:

(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.

Article 25 of the Regulations on the Management of Housing Provident Fund

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

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.

Article 26 of the Regulations on the Management of Housing Provident Fund

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.

Article 27 of the Regulations on the Management of Housing Provident Fund

Applicants who apply for housing provident fund loans shall provide guarantees.

Does it matter if the provident fund breaks the absolute housing loan?

The break of the provident fund will affect the loan, because the application conditions of the provident fund loan stipulate that the housing provident fund should be paid continuously for XX months.

What are the requirements for applying for provident fund loans?

Taking Beijing as an example, applying for provident fund loans generally needs to meet three important conditions:

1, housing provident fund account for more than one year, and continuous payment 12 months;

2. Still in the deposit state;

3. There are no outstanding provident fund loans and government discount loans.

In addition, housing renovation can also use provident fund loans, and retired employees also have the opportunity to use them.

Can I still get a loan if I don't meet the continuous deposit 12 months?

Under normal circumstances, overdue loans are not included in the normal deposit scope, but if the unit can issue relevant certificates and be audited by the audit department of the provident fund management center due to special circumstances, the specific loans shall be subject to the audit results.

After the provident fund is paid, the loan may be abnormal, depending on the number of times the borrower stops paying in 12 months. If it is three times or less, you can apply for a provident fund loan normally; If it is paid off more than three times, even if it is paid off, it will not be paid normally, which will affect the application for provident fund loans.

Can I still get a loan if the housing provident fund is broken?

The termination of provident fund will affect provident fund loans.

Conditions for applying for provident fund loans:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated 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 of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. 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.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Extended data:

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, you can only use the money in the account. Only continuous payments can be used for loans.

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.