Legal analysis: after obtaining the housing provident fund loan, if the payment of housing provident fund is stopped for some reason, it will not affect the application for housing provident fund loan. 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. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who pay housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

Legal basis: Article 20 of the Regulations on the Management of Housing Provident Fund stipulates that the unit shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid. Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.