The specific upper limit of housing provident fund payment is as follows: 1. The upper limit of monthly payment and deposit of housing provident fund is 2,494 yuan; 2. The upper limit of monthly payment and deposit of housing provident fund for urban individual industrial and commercial households and their employees and freelancers is 4,276 yuan; 3. Supplementary housing

The provident fund's monthly contribution limit is 1,782 yuan based on a contribution ratio of 1% to 5% for the employee and the employer.

The lower limit of housing provident fund payment is specifically as follows: 1. The lower limit of monthly payment for housing provident fund is 282 yuan based on a contribution ratio of 7% for the employee and the unit; 2. For urban individual industrial and commercial households and their employees and freelancers, the minimum monthly payment amount is 282 yuan.

The lower limit of the monthly payment and deposit amount of the housing provident fund shall refer to this standard; 3. For some employees of units that implement contracting, commission and other salary systems, upon approval by the Municipal Provident Fund Management Center, they may make deposits according to the monthly payment and deposit amount determined by the unit and the employees through negotiation.

But it shall not be lower than the lower limit of the monthly housing provident fund payment amount for the current year.

The housing provident fund is used as follows: 1. To buy a house, you can withdraw it in one go without taking a loan. If you buy a house with a commercial loan, you can withdraw it as a down payment. If you buy a house with a commercial loan, you can withdraw it to repay the principal and interest. If you buy a house with a provident fund loan, you can withdraw it to repay the principal and interest; 2. When renting a house, you can use it to repay the principal and interest.

The employee and his/her spouse can apply to withdraw the housing provident fund by paying the rent of the economic rental house or the government rental subsidy, and paying the rent of the market rental house; 3. For treatment of major diseases, if a family member suffers from a more serious illness or is hospitalized for major surgery, the employee himself and his spouse can apply to withdraw the housing provident fund.

The application date must be within one year from discharge, and the total amount withdrawn cannot exceed the personal expenses; 4. Minimum living allowance or special poverty allowance can be withdrawn, and the employee's supplement is included in the city's residents' minimum living allowance or special poverty support range. The employee himself and his spouse can apply to withdraw housing

Provident fund, the amount withdrawn shall not exceed the amount of housing provident fund during and before the period when it was included in the minimum living allowance or special poverty relief scope; 5. Withdrawing parents' provident fund to buy a house, but not using a housing loan to buy an own house, you can withdraw parents' provident fund and use a commercial bank for personal housing

Take a loan to buy your own house, and you can withdraw your parents' provident fund after paying the down payment. Use a personal housing provident fund loan to buy your own house, and you can withdraw your parents' provident fund after paying the down payment; 6. Build, renovate, and overhaul housing, and build and renovate it on rural collective land.

, If the owner-owned house is overhauled and the housing loan is not used, the employee and his spouse can apply to withdraw the housing provident fund amount before and including the month when the house construction is approved, and the total withdrawal amount shall not exceed the cost of building the house.

The withdrawal process is as follows: 1. Users must first go to the Provident Fund Management Center to sign an electronic contract; 2. Follow the local "Housing Provident Fund" official account; 3. After following, enter the official account, and then click "I want to apply" and "I want to withdraw"

Just select the option; 4. Select the type of withdrawal and enter the account and SMS verification code as required. After logging in, you can see the amount that can be withdrawn.

1. What are the consequences of withdrawing the provident fund? 1. The provident fund cannot be withdrawn again within two years for the same reason; 2. The provident fund cannot be used to purchase a house within 6 months to 1 year. To purchase a house with the provident fund, one needs to continuously pay the personal provident fund for 6 months; 3. Withdrawing the provident fund

It will affect the amount of future provident fund loans; 4. If the other half has used a personal provident fund loan before, although the personal provident fund withdrawal does not occupy the limit of the personal provident fund loan, because the family has used a provident fund loan before, it is also the second purchase.

For a suite, which is a second home purchase loan, at least 60% of the down payment is required.

2. How to withdraw all the provident fund 1. If you want to withdraw all the provident fund from an individual, you must do so after the statutory retirement age. The money withdrawn after retirement includes principal and interest; 2. If you are an individual and have not reached the retirement age, you must

If you withdraw the provident fund midway, you need to meet certain requirements, such as buying a house or establishing a household; 3. If an individual leaves his or her original workplace, the housing provident fund paid by the individual during the employment period can be applied for withdrawal, but this

This means that everything paid by the unit will be returned to the public.

If an individual finds a new work unit, he can go through the provident fund transfer procedures. At this time, the full amount is transferred; 4. The provident fund loan repayment time can be changed.

Provident fund loans refer to loans enjoyed by group users who have paid housing provident funds. Users who only pay provident fund can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans; 5. The maximum provident fund loan limit shall not exceed 70% of the total purchase price.

To change the repayment time of a provident fund loan, the borrower must have been repaying the loan normally for more than one year, has good credit, and has not been overdue.

The provident fund loan period ranges from 1 to 30 years and shall not exceed the borrower's legal retirement age.