The contribution ratio of individual to company is 1: 1. Generally, the contribution ratio of provident fund shall not be less than 5% of the average monthly salary of employees in the previous year. The housing provident fund paid by individual employees shall be withheld and remitted from their wages every month 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.

The contribution ratio of individual and company to provident fund is 1: 1. The specific provisions are as follows:

1. The contribution ratio of individual and company to provident fund is 1: 1. Usually, the contribution ratio of provident fund shall not be less than 5% of the average monthly salary of employees in the previous year;

2. Individual provident fund can pay at most 3 times the average monthly salary of employees in the unit announced by the statistics department in the previous year, and the contribution ratio is 12%. For example, the average income of employees in a city last year was 36, yuan, with an average monthly income of 3, yuan, so the maximum deposit amount is 3, * 3 * 12% = 1,8 yuan, and the amount of provident fund paid by units and individuals is 2,16 yuan. In accordance with the relevant provisions of the state, the deposit base of housing provident fund strictly implements the policy of "limiting the height and ensuring the low", which shall not be lower than the current minimum monthly wage standard in this Municipality, and shall not exceed three times the average monthly wage of employees in this Municipality in the previous year;

Conditions for withdrawing housing accumulation fund

1. Those who buy, build, renovate or overhaul their own houses, those who retire, completely lose their ability to work, and terminate their labor relations with their units; Leaving the country to settle down;

2. If the principal and interest of the owner-occupied housing loan are repaid, the rent expenditure exceeds 5% of the family wage income, and the life is difficult, and the urban minimum living allowance is being received, and the family life is seriously difficult due to unexpected events, the migrant workers have terminated their labor relations with the unit;

3. Being sentenced to death, life imprisonment or reaching the national legal retirement age at the expiration of the term of fixed-term imprisonment;

4. Dead or declared dead;

5. Other circumstances stipulated by the Housing Provident Fund Management Committee.

The contribution ratio of individual to company is 1: 1. Generally, the contribution ratio of provident fund shall not be less than 5% of the average monthly salary of employees in the previous year. The housing provident fund paid by individual employees shall be withheld and remitted from their wages every month 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.

Legal basis:

Article 18 of the Regulations on the Management of Housing Provident Fund, the contribution ratio of housing provident fund for employees and units shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee, and shall be submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.