First, the impact of the severance of provident fund.

Cutting off the provident fund means that the deposit in the personal provident fund account decreases or stops growing, which directly affects the source of funds for repaying the provident fund loans. For those who rely on the balance of the provident fund account to repay the loan, the interruption of the provident fund supply may lead to insufficient repayment funds, thus failing to repay the loan on time.

Second, the risk of overdue repayment.

When the personal provident fund account is broken and the repayment funds cannot be replenished in time, the risk of overdue repayment will increase. Overdue repayment will not only result in penalty interest and late payment fees, but also affect personal credit records, which will bring difficulties to future loan applications.

Three. counter-measure

In order to avoid the adverse effects of absolute repayment of provident fund, individuals should plan the repayment plan in advance to ensure that the balance of the provident fund account is sufficient. At the same time, when the provident fund deposit is interrupted, it should be paid in time to maintain the normal state of the provident fund account. In addition, we can also consider raising repayment funds through other channels, such as personal savings and loans from relatives and friends.

To sum up:

Cutting off the provident fund will have a negative impact on repayment, which may lead to the interruption of repayment plan and increase the risk of overdue repayment. Therefore, individuals should plan the repayment plan in advance, ensure that the balance of the provident fund account is sufficient, and pay it back in time when the provident fund deposit is interrupted.

Legal basis:

Regulations on the administration of housing provident fund

Article 20 provides that:

The unit shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.

Regulations on the administration of housing provident fund

Article 38 provides that:

In violation of the provisions of this Ordinance, the unit fails to pay or underpays the housing provident fund, and the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people's court for compulsory execution.