The suspension of housing provident fund loans has an impact on loans. If the payment of housing provident fund is suspended for more than 3 months (including 3 months), the application for personal housing loan of provident fund will be suspended. If the borrower who has applied for the provident fund loan fails 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 borrower to pay off the housing provident fund loan in advance. Therefore, the normal payment of the provident fund is very important for maintaining the validity of the loan contract. The borrower shall ensure the normal deposit of the provident fund account to avoid adverse effects on the loan.

Factors affecting the suspension of provident fund payment:

1. Personal credit record: the continuous payment of provident fund will be recorded in the personal credit report, and the suspension of payment may affect the bank's evaluation of personal credit status;

2. Loan amount: the balance of the provident fund account and the deposit record are important factors in determining the loan amount of the provident fund, and stopping payment may reduce the loanable amount;

3. Loan interest rate: provident fund loans usually enjoy a discount lower than the market interest rate, and may not enjoy this discount after the payment is stopped, which increases the loan cost;

4. Loan approval: The bank will consider the deposit of the applicant's provident fund when approving the loan, and the suspension of payment may affect the loan approval result;

5. Assessment of repayment ability: The deposit record of the provident fund can reflect the stable income of the applicant, and the suspension of payment may make the bank more cautious in assessing the repayment ability of the applicant.

To sum up, the normal deposit of the provident fund is very important to maintain the validity of the loan contract, and the borrower should ensure the normal deposit of the provident fund account to avoid adverse effects on the loan.

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.