The provident fund loan has not been repaid since February and will not affect the housing provident fund loan that has been applied for. However, it should inform the housing provident fund management center in time and ensure timely and full repayment. Housing provident fund loans can be repaid in advance, but after the normal repayment period ends, the borrower can repay the remaining loan principal in whole or in part in advance without paying liquidated damages.

The conditions for handling provident fund loans are as follows:

1. The borrower has legal and valid residence identity certificate and household registration book;

2. The borrower is a natural person, with stable economic income and the ability to repay the principal and interest of the loan on schedule, good personal credit and full capacity for civil conduct;

3. The borrower pays the housing provident fund in full and on time, and has paid the housing provident fund continuously for more than six months.

4. Have legal contracts (agreements) and other materials for purchasing self-occupied houses, and the down payment of self-raised funds for purchasing houses has reached the specified proportion;

5. The borrower agrees to use the purchased house as collateral and provide a guarantee approved by the Center.

Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.