According to the conditions of provident fund loans, breaking off diplomatic relations will affect housing loans. Buying a house with provident fund loans generally requires buyers to establish a housing provident fund account for a certain period of time and pay the housing provident fund for a certain period of time before they are eligible to apply for provident fund loans. Generally speaking, in big cities, buyers who apply for provident fund loans must establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and they are in the state of payment when applying for loans.