There is a suspension of payment in the middle of the provident fund, which may affect the provident fund loan, but it needs to be based on the period of suspension and whether the provident fund has been paid for more than 6 consecutive months recently. The interruption of provident fund will have an impact on provident fund loans. When applying for provident fund loans, ordinary users need to satisfy that the provident fund account is in a normal state, and the user has paid the provident fund for 6 months or 12 months before applying for provident fund loans. Therefore, when users apply for provident fund loans, they suddenly interrupt the deposit of provident fund, which may lead to unsuccessful application for provident fund loans.

The general provident fund loan conditions are as follows:

1, housing provident fund has been paid in full and on time for 6 months or more (some cities need to pay 12 months);

2. The housing provident fund account in the month of application is in a normal deposit state and has not been sealed;

3. No provident fund loan has been made or the loan has been settled (the provident fund loan can be made twice at most);

4. The purchased property supports provident fund loans (only for houses with ordinary residential land);

5. The applicant is a natural person with full capacity for civil conduct;

6. Have a fixed residence in the local area, have a valid local residence status, and meet the local purchase policy;

7. Have a stable and legal source of economic income and the ability to repay the loan principal and interest on time;

8. The credit status remains good, and there are no bad records and serious negative information in the personal credit report;

9. The down payment shall reach the specified proportion (if the construction area does not exceed 90 square meters, the down payment shall be at least 20%; If the construction area is more than 90 square meters, the minimum down payment is 30%);

10, housing provident fund is paid locally (at present, only some cities have opened the loan business of provident fund in different places).

To sum up, the severance of provident fund loans will directly affect provident fund loans. Even if the loan has been issued, the provident fund management center will require users to repay in advance.

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.