The provident fund is broken and the loan cannot be made. The loan conditions of the Provident Fund are as follows:

1. The annual interest rate of housing provident fund loans is much cheaper than that of other lending institutions, which also attracts many people to use housing provident fund loans. However, the basic condition of housing provident fund loan is to pay the funds continuously for six months, and the payment cannot be stopped halfway. If you want to get a loan in the future, you must pay for it for six months before applying for a loan.

2. The second condition of housing provident fund is that the account must be registered for twelve months. Moreover, if the payment of provident fund is delayed within 12 months, it needs to be explained to the relevant institutions in time, otherwise it will be assumed that the account owner has not paid on time. Those who apply for housing provident fund loans should also pay attention to the fact that it is more necessary to pay the provident fund on time, otherwise the relevant institutions will force the parties to repay the loan.

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Article 13 of the Regulations on the Management of Housing Provident Fund

The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

Does the absolute housing loan of the provident fund have any impact?

If the provident fund is broken, it will affect the loan, because the application conditions for provident fund loans stipulate that the housing provident fund should be paid continuously for XX months.

What are the conditions for applying for provident fund loans?

Taking Beijing as an example, we generally need to meet three important conditions when applying for provident fund loans:

1, housing accumulation fund has been opened for more than one year, and it has been paid continuously 12 months;

2. Still in the deposit state;

3. There are no outstanding provident fund loans and government discount loans.

In addition, housing renovation can also use provident fund loans, and retired workers also have the opportunity to use them.

Can I still get a loan if I don't meet the continuous deposit 12 months?

Under normal circumstances, overdue payment is not included in the normal deposit scope, but if the unit can issue relevant certificates due to special circumstances and be audited by the audit department of the provident fund management center, the specific loan will be subject to the audit results.

After paying the provident fund, the loan may not be normal, depending on the number of times the borrower stops paying in 12 months. If it is three times or less, you can apply for a provident fund loan normally; If it is paid off more than three times, even if it is paid back, it will not be paid normally, which will affect the application for provident fund loans.

Can I still get a loan after the housing provident fund is paid off?

The provident fund is paid off and the loan cannot be made. Everyone knows that it is much cheaper to buy a house with housing provident fund loans than other ways, so the housing provident fund must be paid on time. Moreover, the loan conditions of housing provident fund also clearly point out that if you want to use housing provident fund for loans, you must pay for it for six months in a row, so everyone should pay attention to the payment of housing provident fund.

Provident fund loan conditions

First of all, the annual interest rate of housing provident fund loans is much cheaper than that of other lending institutions, which also attracts many people to adopt housing provident fund loans. However, the basic condition of housing provident fund loan is to pay the funds continuously for six months, and the payment cannot be stopped halfway. If you want to get a loan in the future, you must pay it again for six months before applying for a loan.