1. Will resigning after purchasing a house with a provident fund loan affect the loan?

1. Answer positively: The interest rate for provident fund loans is fixed. The first home will be subject to the base interest rate, and the second home will be subject to 1.1 times the base interest rate. Regardless of whether the user has resigned or not, the interest rate will be determined according to this.

2. Specific analysis. If during the provident fund loan application period, the user leaves the company and the provident fund is severed, this will result in failure to pass the provident fund loan review. It is best for the user to wait for the review results to come out before resigning.

As for provident fund loans being rejected, users can apply for commercial loans. Commercial loan interest rates are higher than provident fund loans, but there are relatively few restrictions on application.

In Beijian Quick Check, you can get a big data report, find out your overdue records, and classify your online loans into formal and irregular ones, and those that are credit-reported and those that are not.

If you want to repay the money but don't have enough funds, then negotiate with the online loan platform and give priority to repaying those with regular credit reports to minimize the impact on you.

3. How to calculate the provident fund loan interest rate after resignation?

After resigning, the interest rate of provident fund loans that have been processed will not be affected.

Because personal housing provident fund loans are applied to the housing provident fund management center, banks are just lending agents, and they implement the central bank's benchmark loan interest rate.

Only after the People's Bank of China adjusts the central bank's benchmark loan interest rate, the mortgage loan will be subject to the new interest rate starting from January 1 of the next year. If the central bank has not adjusted the loan benchmark interest rate during the loan period, then the mortgage loan will be subject to the new interest rate.

The provident fund loan interest rate will remain unchanged and will not be affected by other factors.

However, everyone needs to note that if you want to apply for a provident fund loan to buy a house, you usually need to pay the housing provident fund continuously for more than six months, and the account must be in normal payment status in the month of application.

Therefore, if you stop paying provident fund after resigning, it may have a certain impact on the mortgage loan application.

Of course, you can also choose to apply for a commercial personal housing loan.

The commercial loan interest rate is formed based on LPR as the pricing benchmark plus points.

2. After buying a house with a provident fund loan in Chengdu, will there be any impact if you leave your job and start a business?

If it is affected, is it okay to switch to flexible personnel deposit?

If you quit your job after applying for a provident fund loan, you can continue to repay the loan if there is money in your provident fund account.

But you can’t repay the loan if you don’t have the money.

Moreover, the housing provident fund can only be participated in the name of the unit.

Individual participation is not allowed.

However, in some places, individuals with flexible employment status can now also participate.

So you can ask the local housing provident fund management center for this specific information.

Generally, individuals can participate in the housing provident fund.

However, the current policy and housing provident fund loan regulations are relatively loose.

So as long as you have money in your housing provident fund account, you can repay the loan.

Therefore, it is best to continue working as much as possible.

If there is no money in the housing provident fund account, then the provident fund loan should be converted into a commercial loan, and you should go through the application procedures.

In short, you cannot cut off the payment, otherwise it will affect your credit report.

If your credit report is affected, it will be difficult to handle credit-related matters in the future.

The above content is for reference only. Thank you!

3. I bought a house with a housing provident fund loan, and now I quit my job, what will be the impact?

You can only apply for a provident fund loan if you make continuous payments. If you fail to continue paying the provident fund after resigning, you cannot apply for a provident fund loan.

Employees who have paid housing provident funds in full and on a regular basis for 6 months or more can apply for provident fund loans or combination loans when purchasing their own homes.

Basic conditions: 1. The borrower holds legal identity documents and has full capacity for civil conduct; 2. The borrower and his spouse have good credit records and meet the provident fund loan review standards; 3. Have stable economic income and repay the principal and interest of the provident fund loan on time.

Ability; 4. Have real house purchase behavior, and except for housing commercial loans converted to housing provident fund loans, the house purchase behavior generally occurs within one year; the ownership of the purchased house is clear, the procedures are legal and complete, and there are no laws; 5. There is no outstanding payment

provident fund loan; 6. Agree to use the purchased house as a mortgage for the loan, or provide guarantee in a form recognized by the management center such as treasury bonds, bank certificates of deposit, securities, etc.

4. Will the loan be affected if I quit my job after using the housing provident fund to buy a house? As long as I meet the conditions when I apply for a housing provident fund loan, if I become unemployed and do not pay the provident fund in the future, as long as I repay the loan normally every month, there will be no problem.

However, for those who make speculative deposits to apply for housing provident fund loans, the center will require the housing provident fund loans to be paid off in advance and be recorded as bad credit, which will affect their next application for housing provident fund loans.