Legal analysis: The impact of the suspension of provident fund payments is small. Because if you are not in a hurry to get a loan to buy a house in the next year, the impact of the suspension will not be too big; when the provident fund is cut off after a housing provident fund loan, it will affect the loan interest rate. When the provident fund payment is cut off for three consecutive months, the provident fund management center has the right to terminate the provident fund loan contract or execute a commercial loan interest rate. Both husband and wife have provident funds, and one spouse can use the other spouse's provident fund to buy a house, so the impact is not big.

Legal basis: "Housing Provident Fund Management Regulations" Article 24 If an employee has any of the following circumstances, he or she may withdraw the balance in the employee housing provident fund account: (1) Purchase, construction, renovation, or overhaul Those who live in their own homes; (2) Retired or retired; (3) Those who have completely lost their ability to work and terminated the labor relationship with their units; (4) Those who left the country to settle down; (5) Those who repay the principal and interest of the home purchase loan; (6) The rent exceeds A prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.