Will the severance of social security affect buying a house in the future?

Social security withholding has the greatest impact on some policies such as non-local residents buying houses and settling down. In addition, the impact on others is relatively small.

Influence of withholding and paying medical insurance

① Unable to use medical insurance for reimbursement: in the month or the next month when payment is stopped, medical expenses cannot be reimbursed by social security card, and the account expenses of medical insurance card are used to zero; After paying or continuing to pay successfully, the use of social security cards also has a recovery period. For example, it usually takes 3 months in Beijing.

(2) Recalculation of continuous payment time: Except that payment within three months in Beijing can be regarded as continuous payment, the continuous payment time must be recalculated as long as payment is stopped in other cities.

③ Decline of medical insurance benefits: If the medical insurance payment in Shenzhen has been continuous for 72 months, the upper limit of hospitalization reimbursement can reach more than 1.6 million, in which there is a grace period of 3 months to stop payment every year. If the payment is successful during this period, it will still be regarded as continuous payment.

Once the maternity insurance is paid off, there is no way to enjoy the reimbursement of the birth check-up fee and delivery fee, and the subsequent "maternity allowance" will also be affected.

In addition, if you want to apply for a personal housing provident fund loan, you must continuously deposit the housing provident fund for at least 6 months before you can apply for a loan. Once you pay 1 time intermittently, you can't apply.