The analysis is as follows:

1. If the provident fund is suspended, the loans already handled will not be affected, but the balance in your provident fund account cannot be withdrawn until it is paid off.

2. The interest rate adjustment of provident fund loans shall be implemented in May 1 1, 2065438. The interest rate of provident fund loans for more than five years is 3.75%, the monthly interest rate is 3.75%/ 12, and the annual interest rate of provident fund loans for five years and less is 3.25%, which is consistent throughout the country.

3 provident fund loans are based on the lender's monthly unit deposit amount and deposit ratio. (Because the deposit amount and deposit ratio directly reflect the salary and repayment ability).

Extended data:

1, provident fund, usually refers to housing provident fund, sometimes also refers to? [ 1]? Company provident fund. Housing accumulation fund 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, social organizations and their employees.

From July 20 1 71day, the transfer and connection of housing provident fund in different places can be handled through the "National Platform for Transfer and Connection of Housing Provident Fund in Different Places". Gradually realize "accounts go with people, money goes with accounts". At the same time, we will vigorously promote off-site loan services to meet the funding needs of paid employees for cross-regional housing purchases.

3. The housing accumulation fund system is actually a housing security system and a form of monetization of housing distribution. The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed.

4, units and individual employees must fulfill the obligation to pay housing provident fund in accordance with the law. The housing provident fund paid by individual employees and the housing provident fund paid by the unit shall be stored in special accounts and owned by individual employees.

Source: Baidu Liberal Arts: Provident Fund

Can I break the provident fund after the provident fund loan? What will happen after the provident fund is paid off?

Can I break the provident fund after the provident fund loan? What will happen after the provident fund is paid off?

You can't stop paying the provident fund after the provident fund loan, because it will have adverse effects. For example, the provident fund management center has the right to terminate the provident fund loan you applied for in advance. It doesn't matter if you stop for a month or two, but long-term diplomatic relations will definitely have an impact.

1 If the borrower of the housing 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.

2. If the account is sealed immediately after the housing provident fund loan is stopped, the housing provident fund management center shall order it to repay the unpaid housing provident fund and pay it in full and on a monthly basis during the loan period; Refused to pay, to recover the housing provident fund loans or the implementation of commercial loan interest rates.

When can I withdraw the provident fund? What conditions do you need to withdraw the provident fund?

1, for housing

Housing provident fund is mainly used to solve the housing problem, so if you need to buy a house or rent a house, you can withdraw the provident fund. When renting a house outside, you can withdraw the provident fund to pay the rent, but the withdrawal amount shall not be higher than the account balance or the actual needs of renting a house. When buying a house, the provident fund plays a greater role. Provident fund can be used for down payment, loans or parents' house purchase, and the interest rate of provident fund loans is lower than that of commercial loans, so using provident fund loans is also the choice for most employees to buy houses.

Step 2 see a doctor

Some people have already bought a house, but they don't need to buy a house or rent a house at present. So how should the provident fund paid every month be used? When employees suffer from the most serious diseases and need money to see a doctor, they can also apply for withdrawing the balance of the provident fund account for treatment.

Step 3 use it for living expenses

The balance in the provident fund account can also be used for living expenses. However, not everyone can withdraw the balance in his provident fund account as living expenses, otherwise it is equivalent to unconditionally withdrawing the housing provident fund. If you want to withdraw the balance of the provident fund account for living expenses, then you must meet the conditions of poverty, such as being able to provide subsistence allowances and being a poor household with a card.

Can I not pay the provident fund after the provident fund loan comes down?

Legal analysis: you can't stop paying the provident fund after the provident fund loan, because it will have adverse effects. For example, the provident fund management center has the right to terminate the provident fund loan you applied for in advance. Generally, it doesn't matter if you stop paying for a month or two, but long-term diplomatic relations will definitely have an impact. After handling the housing provident fund loan, immediately seal the account to stop paying the housing provident fund, and the housing provident fund management center shall order it to repay the housing provident fund owed, and pay it in full and on a monthly basis during the loan period; Refused to pay, to recover the housing provident fund loans or the implementation of commercial loan interest rates. If the borrower of housing provident fund loan fails to pay the housing provident fund in full and on time for three consecutive months or a total of six 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.

Legal basis: Article 12 of the Regulations on the Management of Housing Provident Fund, the Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate commercial banks entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted banks); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank.

Can I stop paying the provident fund after paying the provident fund loan for one year?

After the provident fund loan has been paid for one year, the loan has come down and you can no longer pay the provident fund.

Generally speaking, when the provident fund loan is approved, the whole loan process has been completed, so there is no need to worry about the payment of the provident fund. However, it should be noted that provident fund is a kind of affordable housing system. If the provident fund is approved, it will be cut off, which may be considered as fraudulent insurance benefits. After all, the interest rate of provident fund loans is very low, which is much less than the pressure of commercial loans.

Housing provident fund loan process:

1, preliminary examination, the materials submitted by the applicant shall be preliminarily examined by the housing provident fund management center, and after the preliminary examination is passed, the center will issue the Notice of Collateral Review and Evaluation;

2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house;

3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Qualified, the center issued the "housing provident fund management center guarantee entrusted loan investigation notice";

4. When handling the guarantee formalities, the applicant shall handle the guarantee formalities according to the guarantee method of his choice with the Notice of Investigation on Entrusted Loan Guarantee from the Housing Provident Fund Management Center. If mortgage+guarantee is selected, the guarantor shall issue a written guarantee;

5. Sign a loan contract;

6, housing fund management center and the entrusted bank loan agreement;

7, the borrower directly to the housing fund management center to apply for loans, the entrusted industry can collect the borrower's application materials according to the need, unified housing fund management center for approval;

8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank;

9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively;

10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.

"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's 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.