Legal analysis: 1. Migrant workers need a formal unit to apply for housing provident fund. Individuals do not have the right to make housing provident fund payments.

2. If the unit terminates the labor relationship with its employees, the unit shall go to the Housing Provident Fund Management Center to handle the change registration within 30 days from the date of termination of the labor relationship, and with the review document from the Housing Provident Fund Management Center, go to the entrusted bank to handle the transfer of the employee housing provident fund account.

or sealing procedures.

=The monthly contribution amount to the employee housing provident fund is the employee's average monthly salary in the previous year multiplied by the employee housing provident fund contribution ratio.

The monthly payment and deposit amount of the housing provident fund paid by the unit for its employees is the employee's average monthly salary in the previous year multiplied by the unit's housing provident fund payment and deposit ratio.

New employees who join the workforce will start to pay housing provident fund from the second month of employment. The monthly deposit amount is the employee’s monthly salary multiplied by the employee housing provident fund contribution ratio.

Newly transferred employees from the unit shall contribute to the housing provident fund from the date the unit pays their wages. The monthly payment amount shall be the employee's monthly salary multiplied by the employee's housing provident fund contribution ratio.

In cities where the contribution ratio of employees and units to the housing provident fund must not be less than 5% of the average monthly salary of employees in the previous year, the contribution ratio can be appropriately increased.

The specific contribution ratio shall be formulated by the Housing Provident Fund Management Committee, and shall be submitted to the people's government of the province, autonomous region, or municipality directly under the Central Government for approval after review by the people's government at the same level.

Legal basis: "Regulations of the People's Republic of China on the Administration of Housing Provident Funds" Article 15 When a unit hires employees, it shall go to the Housing Provident Fund Management Center to register for deposit within 30 days from the date of recruitment, and hold a certificate from the Housing Provident Fund Management Center.

Review the documents and go to the entrusted bank to handle the establishment or transfer procedures for employee housing provident fund accounts.