1. In the review stage of provident fund loans, the provident fund management center will suspend the acceptance of housing provident fund individual housing loan applications for those who are in arrears with the provident fund for three months or more, and borrowers will not be able to successfully apply for provident fund loans;

2. If the provident fund loan has just arrived or just been completed, according to the loan contract, the provident fund management center has the right to terminate the loan contract and require the borrower to settle the provident fund loan in advance or implement the commercial loan interest rate;

3. If the provident fund loan has been successfully completed and is in the normal repayment stage, the suspension of the borrower's provident fund account will generally not affect the provident fund loan.

Provident fund loan process:

1. preliminary examination: the housing provident fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, 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. Affordable housing does not need to be evaluated;

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 entrusted loan investigation notice";

4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution;

5. Sign a loan contract;

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

7. The borrower directly submits a loan application to the housing fund management center, and the entrusted industry can summarize the borrower's application according to the needs and submit it to the 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.

To sum up, after the user submits the provident fund loan application, it is still in the stage where the audit results have not yet come out. At this time, the suspension of provident fund deposit will directly affect the audit results of provident fund loans. If the approval result of the provident fund loan is passed, the suspension of the provident fund deposit will not affect the provident fund loan that has passed the approval.

Legal basis:

Article 26 of the Regulations on the Management of Housing Provident Fund

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.