The corresponding payment ratios for the first, second and third tranches of the provident fund are as follows: 1. The first tranche: the individual contribution ratio is 5%, and the unit contribution ratio is 5%; 2. The second tranche: the individual contribution ratio is 7%, and the unit contribution ratio is 7%.

The deposit ratio is 7%; 3. The third level: the individual deposit ratio is 8%, and the unit deposit ratio is 12%.

Provident fund payment policy: 1. Payment ratio setting: Different regions set different payment ratios according to the level of economic development and housing conditions; 2. Basis for grade classification: usually based on factors such as the nature of the enterprise, industry characteristics, and employee income levels; 3.

Policy adjustment mechanism: Provident fund payment proportions and levels may be adjusted according to economic development and changes in the housing market; 4. Payment upper and lower limits: There are minimum and maximum payment limit limits to adapt to the needs of different income groups; 5. Individual and unit contributions

: Provident fund is paid by individuals and units simultaneously, and the proportions are usually equal or slightly different.

To sum up, provident fund payment is divided into three levels. In the first level, individuals and units each pay 5%, in the second level, individuals and units each pay 7%, and in the third level, individuals pay 8% and units pay 12%, which reflects the

The differences in the proportions of different payment levels are designed to meet different levels of housing provident fund needs.

Legal basis: Article 16 of the "Housing Provident Fund Management Regulations": The monthly payment and deposit amount of employees' housing provident fund is the employee's average monthly salary in the previous year multiplied by the employee housing provident fund payment ratio.

The monthly payment and deposit amount of the housing provident fund paid by the unit for its employees is the employee's average monthly salary in the previous year multiplied by the unit's housing provident fund payment and deposit ratio.

Article 17 New employees who join the workforce will start to pay housing provident fund from the second month of starting work. The monthly payment amount is the employee’s monthly salary multiplied by the employee’s housing provident fund contribution ratio.

Newly transferred employees from the unit shall contribute to the housing provident fund from the date the unit pays their wages. The monthly payment amount shall be the employee's monthly salary multiplied by the employee's housing provident fund contribution ratio.