Influential. It is clearly stated in the application conditions for provident fund loans that if full payment is required for continuous 12 months and it has been paid all the time, there can be no interruption, even if it is paid later.

To repay the provident fund, it is necessary to apply to the loan acceptance institution for reconsideration of the provident fund loan. If the reconsideration is passed, you can apply for a provident fund loan. The requirements for the deposit time of housing provident fund loans are as follows: if local accounts need to be deposited for 6 months continuously, they can apply for provident fund loans; For foreign accounts, it takes 12 months to apply for provident fund loans.

If the account is not paid continuously due to special circumstances such as job changes, you can apply to the loan acceptance institution for reconsideration of the provident fund loan after the normal remittance is resumed and the missed payment month is paid back. If the reconsideration is passed, you can apply for a provident fund loan.

2. What is the process of repaying the loan from the provident fund?

65438+ The system can only find the record and amount of overdue payment, and if the specific month cannot be determined, the subordinate unit will issue a statement of "clearing the overdue payment month". After continuously calculating the payment month and the normal payment month, the deposit conditions required for applying for a loan should be met.

2. If the loan applicant or one of the units paying for it has been established and deposited for less than three years, it shall provide social security payment records, labor contracts signed with the unit and other materials as supplementary audit materials. Note: the payment of the provident fund can only be made by the unit, but not by the individual. If you pay off because you change jobs, it depends on whether the new unit is willing to pay the provident fund for you.

Three. Matters needing attention in paying provident fund

1. Housing provident fund is only established in cities and towns, and there is no housing provident fund system in rural areas.

2. Only on-the-job employees can establish the housing accumulation fund system. In other words, rural unemployed people, urban unemployed residents and retired workers will not establish a housing provident fund system.

3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. Generally speaking, the employee's contribution will be deducted from the salary, and the unit will be paid into the personal account of the housing provident fund together with the unit's contribution.

4. The laws related to housing provident fund clearly stipulate that once the housing provident fund system is established, employees must continuously pay in accordance with the regulations during their employment, and it shall not be suspended or interrupted unless employees retire or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund occur.

The above is the relevant legal knowledge about how the repayment of provident fund affects loans. To sum up, different areas have different repayment methods of provident fund, which affects loans.