1, the sealing of housing provident fund account refers to a state that employees' housing provident fund deposit is interrupted for various reasons, and their housing provident fund accounts cannot be transferred, which does not meet the cancellation conditions. Sealed housing provident fund accounts are stipulated as sealed households.

2. It is required that the provident fund be sealed before applying for a loan, because the basic requirement for applying for a provident fund loan is that the deposit period of the provident fund has exceeded 1 year. Once the provident fund account is sealed, it is in a deactivated state, so it does not meet the requirements. After the provident fund account is sealed, it needs to be unsealed again to return to normal, but the payment time is recalculated, and the loan can only be applied after 1 year payment.

Follow-up treatment of provident fund sequestration:

1. If the provident fund is closed, you can withdraw the money you have already paid. If you are sealed because of your resignation, that is to say, you are no longer working in your original unit, you can also apply for withdrawal of the paid provident fund. However, the withdrawal of housing provident fund needs to meet the following conditions:

1) Purchase, build or overhaul owner-occupied housing;

2) Retirement or reaching the statutory retirement age;

3) completely losing the labor force and terminating the labor contract with the unit;

4) Leave the country to settle down;

5) Repaying the principal and interest of the owner-occupied housing loan;

6) The registered permanent residence moves out of this city and terminates the labor contract relationship with the unit;

7) Non-permanent residence in this city or agricultural registered permanent residence in this city terminates the labor contract relationship with the unit;

8) Terminating the labor relationship with the unit, and transferring the housing provident fund to the account for centralized storage for 2 years but not being re-employed;

9) If an employee dies or is declared dead, it can be extracted by the heir or the donee.

2. If the employee does not meet the conditions for withdrawal, he/she cannot withdraw the balance of his/her sealed housing provident fund account, which is sealed and managed by the municipal provident fund management trust account, and can only apply for withdrawal after the employee meets the conditions for transfer or withdrawal.

3. If you have a new job or a new unit, you can continue to deposit it after the new unit unseals the provident fund account, and you can withdraw it when the employee meets the conditions for transfer or withdrawal.