The interruption of housing provident fund loans will affect the loan interest rate. When breaking off diplomatic relations for three consecutive months, the provident fund management center has the right to terminate the provident fund loan contract or implement the commercial loan interest rate. The general housing provident fund management center will first order the outstanding housing provident fund to be paid in full monthly during the loan period. If you want to continue to pay the provident fund for about 3 months, it will not affect the provident fund loan. If the payment is stopped for a long time, the provident fund management center may re-evaluate the user's provident fund loan contract and may take some relevant measures. Refused to pay, from the housing provident fund loans have been issued to recover or implement the commercial loan interest rate. The impact of the suspension of provident fund deposit on loans is mainly manifested in two aspects:

(1) Units that are in arrears for more than 3 months (including 3 months) will be suspended from accepting applications for individual housing loans from housing provident funds;

(2) For borrowers who have applied for provident fund loans, according to the Housing Provident Fund Entrusted Loan Contract, the Provident Fund Management Center has the right to terminate the loan contract and require the borrowers to pay off the housing provident fund loans in advance;

Personal resignation or the provident fund is no longer sealed does not affect the provident fund loan, but individuals should pay attention to saving money in the loan card on time to ensure that there is money in the account to repay the loan every month, which will not affect the loan deduction. If the provident fund is deducted on a monthly or annual basis, it will have a certain impact. When the balance of personal provident fund is deducted to a certain extent, it can no longer be deducted. Individuals need to go through the formalities and deposit the monthly payment into the personal loan repayment savings card. The loan interest rate will also be calculated according to the original provident fund loan interest rate, that is, according to the loan contract, unless the state lowers the benchmark interest rate. 1, before the provident fund loan, if the provident fund is broken, it should be repaid in time. Some cities stipulate that the payment within three months can be regarded as continuous payment, but it also depends on the specific city regulations.

2. In the process of provident fund loans, if the provident fund is cut off, the approval of provident fund loans may fail. It should be returned in time, and the reason for the interruption of supply should be explained.

3. After the provident fund loan, if the provident fund is broken, as long as the provident fund continues to be paid within 6 months, it will not affect the provident fund loan. If the long-term relationship breaks down, the provident fund management center may re-evaluate the user's provident fund loan contract, and then take measures such as floating interest rates.

legal ground

Regulations on the administration of housing provident fund

Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Therefore, the housing provident fund can be returned after the interruption, which requires us to understand the relevant regulations. But in general, it is best not to interrupt, otherwise it will have a certain impact on the use of housing provident fund loans.