5%- 12%。 According to Article 18 of the Regulations on the Management of Housing Provident Fund, the deposit 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, and cities with conditions may appropriately increase the deposit ratio. Taking Beijing as an example, according to the official website of Beijing Housing Provident Fund Management Center, in 2022, the annual contribution ratio of units and individuals' housing provident fund will be 5% to 12%, with the upper limit of monthly contribution base being 2,657 yuan and the lower limit being 2,320 yuan.