The provident fund can be overdue for 3 days.

Repayment of the housing provident fund for more than 3 days is considered overdue. The specific repayment grace period of the mortgage bank shall prevail. However, it is best for everyone to repay in full and on time. In addition, the consequences of overdue provident fund repayment are: suspending the withdrawal of provident fund, charging interest, causing a bad credit record, and contacting the guarantor, which will affect the guarantor's credit and may cause the guarantor to be unable to apply for mortgages, car loans, etc. . Therefore, the consequences of overdue provident fund loans are also quite serious.

Conditions for the use of provident funds across provinces:

1. The provident fund must be paid continuously for a certain period: the borrower needs to pay the housing provident fund in full for more than 6 months (inclusive), and The provident fund account is in normal deposit status.

2. Stable income and credit record: The borrower needs to have stable economic income, the ability to repay the principal and interest of the loan, and a good credit record.

3. Comply with the home purchase policies: The borrower needs to comply with the home purchase policies of the location where the house is purchased, including purchase restrictions, loan restrictions and other policies.

In summary, after meeting the above conditions, the borrower can apply for an inter-provincial provident fund loan to the provident fund management center in the city where it is located. The provident fund management center will review the borrower's qualifications and conditions. After passing the review, the loan procedures will be completed and a loan contract will be signed.

Legal basis:

"Regulations of the People's Republic of China on the Administration of Housing Provident Funds"

Article 24

Employees Under any of the following circumstances, the balance in the employee housing provident fund account can be withdrawn:

(1) Purchasing, constructing, renovating, or overhauling self-occupied housing;

(2) Retired or retired;

(3) Completely losing the ability to work and terminating the labor relationship with the unit;

(4) Leaving the country to settle down;

( 5) Repaying the principal and interest of the house purchase loan;

(6) The rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.