The general provident fund loan conditions are as follows:
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.
2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal purchase loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. I sincerely hope that if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of financial support to meet the basic housing needs of workers' families, it is also a kind of financial support for housing security.
To sum up, you can't apply for a loan after you stop paying the provident fund. Provident fund loans require borrowers to have good credit, have participated in the housing provident fund system, and have a stable occupation and income. The housing accumulation fund has been continuously paid for more than half a year or accumulated for more than two years. Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.
Legal basis:
Article 15 of the Regulations on the Management of Housing Provident Fund
Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center. Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for registration of change, and transfer or seal the employee housing provident fund account to the entrusted bank with the audit documents of the housing provident fund management center.