One of the basic conditions of provident fund loan is that the lender must pay the provident fund for a certain number of years, ranging from 6 months to 1 year. Stopping the payment of provident fund means that the lender can't meet this condition, so he can't get provident fund loans. The legal basis is Article 26 of the Regulations on the Management of Housing Provident Fund.

The core purpose of provident fund loans is to help people with stable jobs and incomes realize their dream of buying houses. Stopping the payment of provident fund may mean that the lender's occupation and income status have changed, which may lead to the decline of its repayment ability, thus increasing the risk of loan default.