1. If the provident fund loan application has been approved and all procedures have been completed, then resignation or the closure of the provident fund will not affect the provident fund loan, but the loan card should be recharged on time to avoid affecting the loan deduction.

2. After applying for a good loan, you must repay it monthly or in advance. The suspension of provident fund loans will not affect the repayment of loans, but you must ensure that you have money in your account to repay loans every month.

3 provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

4. In the newly published "Draft for Review", it is proposed that in addition to units and employees, individual industrial and commercial households, part-time employees and other flexible employees without employees can also pay the housing provident fund by individuals and enjoy the rights of withdrawal and loan, which is undoubtedly a great advantage for some flexible employees.

2. Can the provident fund loan be repaid?

After the provident fund loan is paid off for the first time, the second provident fund loan can be made, but the relevant conditions need to be met. The Housing Provident Fund Administration will investigate the number of properties in the name of applicants who apply for loans again. Generally speaking, the third suite cannot be purchased with a provident fund loan.

Legal basis: Article 2 of the Notice on Strengthening the Differentiated Management of Individual Housing Provident Fund Loans by Central State Organs stipulates that employees can apply for individual housing provident fund loans again after the first individual housing provident fund loans have been settled for five years. Employees who buy a third home will not accept loan applications.

3. Can I use the provident fund loan again after the provident fund loan is settled?

Provident fund loans can be reused after settlement.

Conditions for applying for housing provident fund loans:

1. Most of them have customized the relevant housing provident fund loan conditions, and the requirements of each city are roughly the same;

2. Employees with permanent residence or valid residence identity certificate in the local administrative area;

3. At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan;

4. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing;

5. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;

6. There are assets recognized by the provident fund center as collateral or pledge, or units with sufficient compensation capacity as guarantors;

7. Other conditions stipulated by the provident fund center.

4. Can I withdraw the provident fund if the provident fund loan is not settled?

Legal subjectivity:

After the provident fund loan, it meets the statutory withdrawal of the provident fund: (1) buying a house; (2) Having the ability to work after retirement and terminating the labor relationship with the unit; (4) Having left the country to settle down; (5) the prescribed proportion of repayment of family wage income.

Legal objectivity:

Article 24 of the Regulations on the Management of Housing Provident Fund: (1) The balance of the employee's full-time housing provident fund account: purchase, construction, renovation or overhaul of self-occupied housing; (2) retirement; (3) completely losing the ability to work and leaving the country with Denmark to settle down; (5) Repaying the principal and interest of the house purchase loan; (6) If the rent exceeds the provisions of items (2), (3) and (4) of the family salary, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.