Legal analysis: the suspension of provident fund loans has an impact on mortgage loans. Buying a house with provident fund loans generally requires buyers to establish a housing provident fund account for a certain period of time and pay the housing provident fund for a certain period of time before they are eligible to apply for provident fund loans. If the provident fund is suspended and does not meet the continuity requirements, it will be difficult to apply for provident fund loans, which may lead to the inability to apply for provident fund loans.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from 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.