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.

Second, what are the conditions for provident fund loans? What should I do if I resign halfway?

Provident fund loan is a business handled by the provident fund center for employees of enterprises and institutions who pay provident fund. At present, there may be differences in local policies, but individuals are generally required to pay provident fund for one year before they can apply for provident fund loans. The specific loan amount is determined by the local provident fund centers themselves. Because the interest rate of provident fund loans is low, it is the best way for young people to borrow money to buy a house now. Another condition is that they can't withdraw the provident fund for the property they bought when buying a house.

Third, the conditions of the provident fund loan What should I do with the provident fund after leaving the company?

I applied for a provident fund loan when I bought a house. After the results were completed, I left my previous company for some reasons. What should I do if the provident fund loan is withdrawn halfway?

Provident fund loan conditions

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, 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. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

What should I do if I leave my job halfway through the provident fund loan?

The application for provident fund loan has been approved and all procedures have been completed. When you resign or the provident fund is suspended or sealed, it will not affect the provident fund loan, but you should deposit the money in the loan card on time to avoid affecting the loan deduction.

Generally speaking, it is best to resign after paying the first home loan, which can ensure that the provident fund loan is foolproof and will not be affected, because it is no longer possible to make up the provident fund in the name of an individual. After changing units, another unit can't make up the provident fund for you because of the labor contract.

Can I still get a loan if I leave the provident fund?

To apply for provident fund loans, you must be in the state of deposit. If you find a new unit after leaving your job, you can continue to pay the provident fund for it without interruption. If you stop paying the provident fund after leaving your job, your account will be closed and you can't use the provident fund loan.

What about the post-employment provident fund?

After leaving the job, according to different situations, the provident fund has different treatment methods. Specifically, there are two kinds: working locally after leaving office and working in the field after leaving office.

Simply because of leaving the job, the small partners in urban hukou can't withdraw the provident fund, but the small partners in agricultural registered permanent residence can withdraw the housing provident fund and cancel the account.

After leaving the job, the local urban management will be transferred to urban management: the provident fund account of the original unit will be merged with the new unit.

Transfer from municipal management to state management: the individual provides a bank inquiry form (the bank where the provident fund card is located) and submits it to the original unit, which will handle the transfer formalities.

Transfer from state management to state management: the provident fund account of the original unit will be merged with the new unit.

State-owned provident fund is divided into two sealed states after the state-owned management unit leaves office (internal sealed state and centralized sealed state-owned management).

Note: Internal seal of the unit: submit the account opening certificate of the transferred personnel issued by the municipal authority to the original state organ unit, which will handle the fund transfer in the handling bank.

Centralized seal-up by the State Administration of Taxation: the original and photocopy of the account opening certificate and ID number of the transferred employees issued by the Municipal State Administration of Taxation shall be submitted to the bank designated by the company for fund transfer.

There are two ways to work in the field after leaving your job, one is to cancel your account, and the other is to transfer your account.

If the foreign work unit has established a housing provident fund account for you, you can transfer all the months in the local provident fund account to the foreign housing provident fund account.

Employees should provide relevant materials to the original unit and apply to the account management department through the housing provident fund manager of the original unit.

Materials required for the transfer of provident fund in different places: the certificate of receipt of the transfer unit, the certificate of establishing housing provident fund in the transfer place, the name of the transfer bank and the bank where the account is opened, and a copy of the employee ID card.

Can individuals pay the provident fund?

At present, the housing provident fund can only be paid by the unit, and individuals generally cannot pay the provident fund. However, the State Council proposed to improve the Regulations on the Management of Housing Provident Fund. In addition to units and employees, individual industrial and commercial households without employees and other flexible employees can also pay the housing provident fund and enjoy the right to withdraw and lend, which is undoubtedly a big plus for some flexible employees, and it is also a big plus for those who want to resign after handling provident fund loans.

4. Can I get a loan from the provident fund if I am unemployed?

1, with permanent residence or other valid residence status in this city and full capacity for civil conduct; 2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions; 3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time; 4. Pay the housing provident fund in full monthly 6 months before applying for the loan, and pay it in the process of handling the provident fund loan; 5. Personal credit is good.

In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management; 6. There are no other large debts that may affect the loan repayment ability; 7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure; 8. Other conditions stipulated by laws and regulations. The fourth requirement is that the account must be closed in the process of applying for housing provident fund loans. Because your provident fund account was sealed after leaving your job, you can't apply for a housing provident fund loan when you are unemployed.