Legal analysis: According to the relevant regulations of China's provident fund center, under normal circumstances, individuals cannot pay housing provident fund, nor can they apply for housing provident fund, but they must be established and paid by the unit, and if they pay the provident fund, they must have the official seal of the unit finance. The housing provident fund paid by employees is withheld by the employer when paying wages, and the part paid by the unit for employees needs to be paid to the housing provident fund management institution within the specified time and deposited in the "housing provident fund special account" opened by the housing provident fund management institution in the entrusted bank. The deposit interest rate of housing provident fund is implemented in accordance with the relevant provisions of the People's Bank of China. If individuals want to pay the housing provident fund, they need to be divided into different situations: 1. If individuals are individual industrial and commercial households, they can pay the provident fund for themselves, because our country stipulates that individual industrial and commercial households can pay the provident fund for themselves. 2. If the individual is an employee of the company, if the company fails to pay the provident fund, you can communicate with the company leaders about paying the provident fund, but if the company can't pay it for you, you can pay it all yourself. 3. If an individual is unemployed, working in Wechat business or Taobao, and is not a unit occupation or an individual industrial and commercial household, he can't pay the provident fund. In this case, he can only pay the provident fund by himself through the affiliated unit.

legal basis: regulations on the management of housing provident fund (revised in 22)

article 2 these regulations are applicable to the deposit, withdrawal, use, management and supervision of housing provident fund in the people's Republic of China. The term "housing provident fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations (hereinafter referred to as units) and their employees.

article 3 the housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where employees work belong to individual employees.

Article 19 The housing accumulation fund paid by individual employees shall be withheld and remitted from their wages by the unit where they work. The unit shall remit the housing provident fund paid by the unit and remitted for employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.