1. If employees stop paying the provident fund during the provident fund loan period, they should ensure that the loan card is recharged on time, so as not to affect the normal deduction of the loan;

2. If the original unit stops paying the provident fund, the employee may ask the new unit to continue to pay, or the individual shall be responsible for paying and maintaining the normal use of the provident fund account;

3. If the provident fund has not been paid in full and on time for three consecutive months or accumulated for six months, the provident fund management center may terminate the loan contract and demand to pay off the loan in advance.

Influencing factors of provident fund loan period:

1. change of payment status: when the payment status of provident fund changes, the repayment conditions of the loan may be affected;

2. Assessment of repayment ability: The suspension of payment of the provident fund may cause the bank to re-evaluate the repayment ability of the borrower;

3. Loan contract terms: the loan contract can stipulate the relationship between the deposit status of the provident fund and the loan, and the suspension of payment may violate the contract provisions;

4. Interest rate adjustment: the interest rate of some provident fund loans may be linked to the status of provident fund accounts, and the suspension of payment may lead to an increase in interest rates;

5. Change of repayment method: If the provident fund account cannot be deducted normally, it may be necessary to change the repayment method, such as cash repayment or bank transfer.

To sum up, if you stop paying the provident fund during the provident fund loan period, you should recharge the loan card in time, or ask the new unit to continue to pay, otherwise you may terminate the loan contract and ask for early repayment.

Legal basis:

Regulations on the administration of housing provident fund

Article 26

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.