You can resign, but you need to find the next one before your provident fund is broken, and then continue to pay the provident fund. Because you are a provident fund loan, your provident fund payment cannot be interrupted.
2. Can I resign immediately after the housing provident fund loan?
First, after the housing provident fund loan comes down, it can be withdrawn and paid back on time. The application for provident fund loan has been approved and all procedures have been completed. When employees resign or get provident fund loans, they just need to make loans on time.
Two, provident fund loan conditions are:
1. The total amount of provident fund paid by the borrower and his family members should reach at least the new purchase and construction (overhaul).
2. The borrower has stable ability;
3. The borrower agrees to handle housing mortgage registration and insurance;
4. Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers;
5. Submit the relevant documents required by the bank, such as real estate license, land use certificate, deposit certificate of provident fund, etc.
Three, provident fund loans refers to the housing provident fund workers enjoy loans. According to the national regulations, all employees who have paid the provident fund can borrow according to the provident fund.
Fourth, provident fund loans refer to employees who have permanent residence in local towns, have established the housing provident fund system for more than 2 years and paid the housing provident fund in accordance with the regulations, and can enjoy provident fund loans for the purchase, construction, renovation and overhaul of houses.
3. Can I resign after the provident fund loan?
Legal analysis: you can resign after the housing provident fund loan, as long as you can guarantee to pay the monthly payment on time after your resignation. If your application for provident fund loan has been approved and all procedures have been completed, it will not affect the provident fund loan whether the employee resigns or the provident fund is suspended or sealed.
Legal basis: Regulations on the Management of Housing Provident Fund
Article 1 These Regulations are formulated in order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of the owners of housing provident fund, promote urban housing construction and improve the living standards of urban residents.
Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.
4. Can I not pay the provident fund after applying for the provident fund loan?
Thank you for inviting me!
Provident fund loans have been mortgaged. As a homebuyer, you don't have to pay the housing provident fund. Then the following analysis hopes to help you!
The provident fund policy is currently divided into individual payment and unit payment.
The payment base of the provident fund is based on the unit salary base, and the monthly payment amount is determined according to the base set by the company. Generally, the unit pays 60% and the individual pays 40%.
The provident fund paid by ordinary individuals, if the loan comes down and the individual stops paying, will affect the provident fund loan. Of course, the provident fund center has the right to recover provident fund loans.
The provident fund employees paid by the unit will not be affected after leaving their jobs (according to local policies, this is the case here, Xingtai, Hebei)
The provident fund paid by the unit is non-standard, which can be used in the late stage of buying a house and in the late stage of decoration.
Summary: the unit pays and always pays. Personal payment is not recommended.
I hope the above answers can help you!