If the unit has never paid the housing provident fund, it shall pay it back in principle. Penalties for non-handling and overdue payment of housing provident fund by the unit: if the unit fails to handle the registration of housing provident fund deposit or the establishment of housing provident fund account for employees, the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed; If the unit fails to pay or underpays the housing provident fund within the time limit, the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people's court for compulsory execution.

Does paying the MPF affect the loan?

Paying back the provident fund will affect the loan. Because the provident fund loan needs to be continuously paid into the provident fund for 6 months (more than 12 months in some cities), it is not within the normal deposit range and does not belong to continuous deposit, so it is impossible to apply for the provident fund loan. But if it is due to the special circumstances of the unit, it can be issued by the unit and audited by the audit department of the provident fund management center. Whether the loan can be made depends on the audit results.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Regulations on the Management of Housing Provident Fund

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.

Thirty-seventh in violation of the provisions of this Ordinance, the unit does not handle the registration of housing provident fund deposit or the establishment of housing provident fund accounts for its employees, and the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed.