Legal analysis: after the provident fund loan, retirement does not affect the mortgage repayment, but it can be repaid normally every month, but it is impossible to continue to pay the provident fund.

Legal basis: Article 44 of the Labor Contract Law. The labor contract shall be terminated when the laborer begins to enjoy the pension insurance benefits according to law. Therefore, after employees reach the legal retirement age, go through retirement procedures according to law and start to receive pensions, they lose their subjective qualifications as qualified workers. At this time, the identity relationship between the two sides has changed, from the original labor relationship to the retirement and re-employment relationship.