1. The impact of cutting off the provident fund on the loan is mainly manifested in:
On the one hand, it doesn't matter if the provident fund is cut off for a short time, but it needs to continue to pay the provident fund within half a year. Now many cities have opened individual industrial and commercial households and freelancers to pay the provident fund, even if there is no unit, they can pay it normally; In some cities that must be paid by the unit, you can go through the formalities of collecting the provident fund, and the collecting unit will pay the provident fund for you. In short, the provident fund has to continue to be paid. If the supply exceeds the demand, the provident fund management center will re-evaluate the loan contract and the loan interest rate will rise. On the other hand, for borrowers who have applied for provident fund loans, if the borrowers of housing provident fund loans fail to pay the housing provident fund in full and on time for three consecutive months or six cumulative months, 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. Of course, the policies of provident fund centers vary from place to place. For more information, please refer to the regulations of provident fund management centers around the country. For example, in Beijing, if you stop paying the provident fund after handling the provident fund loan, you only need to repay it in time before the monthly repayment date to avoid overdue records of personal credit.
2. If the provident fund is cut off and it is impossible to apply for a provident fund loan, there are three ways to choose:
First, choose commercial loans. At present, the commercial loan interest rate is 4.9%, and the provident fund loan interest rate is 3.25%. Take the repayment method as an example. Buyers who apply for commercial loans have more monthly payments and interest, which may cost hundreds of thousands more than the provident fund. Second, start from scratch to "save the moon." After the payment is terminated, employees can continue to pay the provident fund for 6 months or 12 months, and then apply for provident fund loans. This method requires the buyer to have a relatively stable job, otherwise it will easily lead to payment suspension. Of course, after the period of "saving for the month", the house prices faced by buyers may have already far exceeded the initial price. You can also return it. Need to remind buyers that not all buyers can pay back the money. If the employee stops paying the housing provident fund for reasons of the unit, the purchaser may require the unit to issue relevant certificates, which shall be audited by the relevant departments of the provident fund management center.
legal ground
According to Article 15 of the Regulations on the Management of Housing Provident Fund
Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center. Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.
Article 16
The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund.
The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
Article 17
The new employee starts to pay the housing provident fund from the second month after joining the work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio.
The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.
Article 18
The deposit ratio of employees and unit housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.
Article 19
The housing provident fund paid by individual employees shall be withheld and remitted from their wages by their units every month.
The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.
Article 20
The unit shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.
Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.