you can't pay more for the provident fund.

Provident fund is a kind of savings system set up to provide the housing fund demand of employees under certain circumstances, aiming at protecting the housing rights and interests of employees. Under normal circumstances, the deposit ratio of the provident fund is stipulated by the local government. Individuals and units each pay a certain proportion of the provident fund, and it is not allowed to exceed the prescribed deposit ratio.

Therefore, if individuals want to pay more provident fund, they need to know the local policies and regulations on provident fund deposit, and confirm the deposit ratio and upper limit. If the local policy allows individuals to pay more than the prescribed proportion, then individuals can choose to increase the deposit amount of provident fund to improve the balance and accumulation of provident fund accounts. However, it should be noted that the deposit amount of the provident fund needs to be within the monthly deposit base, and the excess needs to be borne by the individual. Therefore, when choosing to increase the deposit amount, individuals need to consider according to their own economic situation and needs, and pay attention to risk management.

The process of housing provident fund loan:

1. Apply. The borrower shall provide the information required for the loan to the provincial provident fund management center as required;

2. The bank conducts credit investigation and loan approval;

3. The borrower goes to the bank to sign the loan contract with relevant information;

4. Go through the formalities of house property insurance and mortgage registration;

5. Loan allocation;

6. Loan recovery;

7. The loan is cleared and cancelled.

to sum up, the application conditions and procedures for provident fund loans will be different. You can consult the local provident fund management center or bank to obtain accurate information. In addition, many factors need to be considered before buying a house, such as housing price and affordability. It is recommended to conduct comprehensive evaluation and planning before buying a house.

Legal basis:

Article 24 of the Regulations of the People's Republic of China on the Administration of Housing Provident Fund

Employees may withdraw the balance of their housing provident fund account under any of the following circumstances:

(1) Those who purchase, build, renovate or overhaul their own houses;

(2) retired;

(3) completely losing the ability to work and terminating the labor relationship with the unit;

(4) leaving the country to settle down;

(5) repaying the principal and interest of the house purchase loan;

(6) the rent exceeds the prescribed proportion of family wage income.

in accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

if an employee dies or is declared dead, the employee's heirs and legatee can withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.