Legal analysis: it will have an impact, and a large number of arrears will affect the amount of provident fund loans. Amount of provident fund loan: the monthly repayment amount/monthly income should not exceed 50% when applying for provident fund loan (including the sum of monthly repayment amount of existing liabilities and current liabilities). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.

Legal basis: Regulations on the Management of Housing Provident Fund

Thirty-fourth housing provident fund management center and employees have the right to urge units to perform the following obligations on time:

(a) housing provident fund deposit registration or change, cancellation of registration;

(two) the establishment, transfer or sealing of the housing provident fund account;

(3) Paying the housing provident fund in full.

Thirty-fifth housing provident fund management center shall urge the entrusted bank to handle the business agreed in the entrustment contract in time. The entrusted bank shall provide relevant business information to the housing provident fund management center on a regular basis in accordance with the entrustment contract.