Illegal, the payment ratio between individuals and units is stipulated in accordance with the law.

According to the provisions of the law, if a unit fails to register the payment and deposit of housing provident fund or fails to complete the procedures for setting up housing provident fund accounts for the employees of the unit, the housing provident fund management center shall order it to be completed within a time limit; if it fails to do so within the time limit, a fine of not less than RMB 10,000 but not more than RMB 50,000 shall be imposed.

fine.

The total contribution ratio of the basic pension insurance for employees is 24%, of which 16% is paid by the unit, which is included in the overall account, and 8% is paid by individuals, which is included in the personal account; the payment ratio for employee medical insurance is 8%, of which the contribution by the unit is

The proportion is 6%, which is included in the medical overall fund, and the individual payment proportion is 2%.

It is included in the personal account; the unemployment insurance payment ratio is 1%, the unit payment is 0.5%, and the individual payment is 0.5%, all of which are included in the unemployment insurance fund account; maternity insurance is about 0.5%, and work-related injury insurance fluctuates according to industry characteristics.

Maternity insurance and work-related injury insurance are all paid by the unit, and individuals are not responsible for the payment ratio; the housing provident fund payment ratio is 5% to 12%, and the employer decides the payment ratio independently. The employer and individual employees pay in the same ratio, and all are included in the individual

account.

Article 15 of my country's "Housing Provident Fund Management Regulations" clearly stipulates that when a unit hires employees, it must register with the Housing Provident Fund Management Center within 30 days from the date of recruitment, and handle the establishment or transfer procedures for employee housing provident fund accounts.

If a unit terminates the labor relationship with an employee, the unit shall register the change with the Housing Provident Fund Management Center within 30 days from the date of termination of the labor relationship, and handle the transfer or sealing procedures for the employee housing provident fund account.

In addition, regarding the payment of housing provident funds for graduates who have just started working, Article 17 also stipulates that new employees who start working will start paying housing provident funds from the second month of starting work, and the monthly payment amount is the employee’s salary for that month.

Multiply the employee 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.