Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. One of the conditions of provident fund loans is the continuous deposit time, which is generally six months. Then, what should I do if the provident fund is not on the loan?

Failure to pay the provident fund will affect the loan.

Xiao Wang paid the Beijing provident fund. Last year, Xiao Wang changed his job four times and was nicknamed "workplace flea" by his friends. By the end of last year, it was difficult for Xiao Wang to buy a house. He applied to buy a house in Changping District with a provident fund loan, but was told by the Beijing Provident Fund Management Center that the approval could not be passed.

Liu Bin, a real estate transaction service center in the wheat field, told the Beijing Morning Post reporter, "In Beijing, applying for provident fund loans generally meets three important conditions. First, the housing accumulation fund is opened for more than 1 year and continuously paid for 12 months; Second, the housing provident fund is still in the state of deposit; Third, there are no outstanding provident fund loans. "

"In the above case, because Xiao Wang changed jobs too frequently, he did not pay attention to the payment of housing provident fund, and did not meet the conditions of continuous payment 12 months. He could not pass the approval of housing provident fund loans from relevant departments and could only borrow from commercial banks."

The provident fund needs to be paid by the unit.

Li Zhe, editor of real estate knowledge in the content center of Chain Home Network, said, "In Beijing, the housing provident fund is broken, and the parties need to prepare corresponding supplementary recording materials for the unit manager, who will go to the relevant departments to go through the supplementary recording procedures."

According to Li Zhe, what the parties need to provide are three materials uniformly printed by the Housing Provident Fund Management Center, including Supplementary Book of Housing Provident Fund, Detailed List of Housing Provident Fund Deposit and Transfer Cheque.

"If the party paying the municipal provident fund fails to indicate the reasons for paying the housing provident fund in the inventory of paying the housing provident fund, it shall also submit the payment instructions." Li Zhe said.

Overdue loans affect normal loans.

"Under normal circumstances, overdue payments are not included in the normal deposit range. However, if the unit interrupts the payment of housing provident fund, the unit can issue relevant certificates, and the relevant departments of the provident fund management center will review whether the loan can be made. Subject to the results of the review. " Li Zhe said.

Li Zhe further explained, "For the Beijing housing provident fund, if the parties stop paying the housing provident fund within three months due to unit problems, after the unit pays the provident fund, the parties can apply to the relevant departments for a provident fund loan to buy a house."

It is worth noting that in Beijing, the parties who apply for loans after the provident fund is paid back need to submit more materials than the borrowers who normally pay back. Such as unit description, labor contract, social security payment certificate, etc.