The deferred payment of provident fund will not affect employees' withdrawal of provident fund and provident fund loans. When enterprises encounter economic problems, they can postpone the payment of provident fund for employees, and the time of payment during the deferred payment will still be calculated continuously. The holdover of provident fund has no influence on employees' withdrawal of provident fund and loan application, and employees can still apply for loans during the holdover of provident fund. It should be noted that the withdrawal of provident fund needs to meet the conditions before it can be withdrawn, otherwise it will be illegal to withdraw, which will directly affect the provident fund loan. In addition, the balance of the provident fund account will affect the amount of provident fund loans. The more money is withdrawn from the provident fund account, the less the amount in the provident fund account, and the less loans users can apply for. Therefore, when it is not necessary, it is best not to withdraw the provident fund casually.