According to the relevant regulations, the employees who "buy out the length of service" should apply for sealing their provident fund accounts by the original unit.
If I find a new job within two years, the new unit will continue to pay the provident fund, which can be calculated continuously with the payment of the original unit in my account. That is to say, even if the new unit only pays the provident fund for one month, as long as the deposit is normal before the original unit account is sealed, and the continuous deposit has not been interrupted for more than one year, it meets the conditions for applying for provident fund loans.
On the other hand, if you reach a certain age (50 years old for men and 45 years old for women) when you buy out the service, you can apply for direct withdrawal of funds from the provident fund account. Those under the above age can only be withdrawn after the provident fund account has been sealed for two years.
After the "buyout service", if employees want to keep the right to use the housing provident fund, the key is that the original unit must pay the provident fund in full before closing the account, and there is no default. According to the relevant regulations, the lender must pay the fees normally within one year before applying for the loan. If you default, you can't get a loan.