The impact of suspending the deposit of the provident fund on the loan is mainly manifested in the following two aspects: (1) If you want to apply for a provident fund loan, according to the provident fund management regulations, the borrower must continuously deposit the housing provident fund on a monthly basis before the loan application date, and the unit that is in arrears for more than 3 months (including 3 months) will suspend accepting the application for individual housing loans from the housing provident fund. Therefore, if you stop paying the provident fund, you cannot apply for a provident fund loan. (2) For borrowers who have applied for provident fund loans, if the borrowers of housing provident fund loans fail to pay the housing provident fund in full and on time for three consecutive months or six cumulative months, the provident fund management center has the right to terminate the loan contract and require the borrowers to pay off the housing provident fund loans in advance. Moreover, if the unit provident fund stops paying after buying a house with a provident fund loan, as long as it is repaid in full and on time every month, there will be no overdue repayment or insufficient debit card balance during the period.

Legal basis:

Regulations on the administration of housing provident fund

Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.

Article 19 The housing accumulation fund paid by individual employees shall be withheld and remitted from their wages by their units.

The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.

Twentieth units shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.

Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.

Derivative problem:

Under what circumstances can I withdraw the housing provident fund? (a) the purchase, construction, renovation and overhaul of owner-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income.