The specific situation of Hefei's housing provident fund payment ratio base is as follows: 1. The contribution ratio of employees and units to the housing provident fund shall not be less than 5% of the employees' average monthly salary in the previous year; cities with conditions can increase the payment ratio appropriately. In principle, no

Exceeding 12%; 2. The monthly contribution amount to the employee housing provident fund is the employee's average monthly salary in the previous year multiplied by the employee housing provident fund contribution ratio.

The monthly payment and deposit amount of the unit's housing provident fund for employees is the employee's average monthly salary in the previous year multiplied by the unit's housing provident fund payment ratio; 3. New employees who join the workforce should start making contributions from the second month of their employment.

For housing provident fund, the monthly payment amount is the employee's monthly salary multiplied by the employee housing provident fund payment ratio.

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

4. Companies and individuals pay according to 1:1, and the depositing unit can independently determine the deposit ratio within the range of 5%-12%.

The provident fund management center will calculate the provident fund deposit base based on the local employee wages (generally, the maximum shall not exceed 3 times the average monthly salary of employees in the previous year, and the minimum shall not be lower than the minimum standard of local employee wages for that year). On the basis of this base

, the unit can decide whether the unit or individual contributes 5% to 12% of the deposit base each month.

That is to say, you can contribute 10% to 24% of the provident fund payment base every month.

The details of how to use the provident fund to repay the housing loan are as follows: 1. One-time repayment method, withdraw the balance of the provident fund from the housing provident fund account and repay the loan in one go.

Many people use this method to repay their loans after retirement.

After repaying the loan, if there is still a loan that has not been repaid, the remaining loan principal and repayment period will be recalculated to determine the monthly repayment amount for each subsequent month; 2. Stop loan repayment for a few months and withdraw it from the provident fund account.

balance, repay the loan early.

After repaying the loan early, the lender can stop repaying the loan for a number of months.

The length of time for stopping loan repayments is determined by the amount of the loan repaid in advance, but it cannot exceed 12 months. After the loan repayment stop period is over, the borrower must continue to make monthly repayments.

The interest owed during the suspension period will not be charged penalty interest or compound interest, and will be deducted from the monthly repayment after the end of the suspension period.

Some home buyers often use this method to repay loans when their income changes at a certain stage; 3. Monthly repayment method, where provident fund is withdrawn directly from the provident fund account every month to repay the loan.

When the amount of housing provident fund withdrawn is insufficient, the lender must make up the repayment amount in a timely manner.

To sum up, the deposit base is the employee’s average monthly salary in the previous year.

For new employees who join the work, their monthly salary shall be the payment base from the second month after they join the work; for newly transferred employees from the unit, from the date when the unit pays their wages, the employee's current monthly salary shall be the payment base.

During the annual adjustment, the deposit base is based on the average monthly salary of employees in the previous year, and employee wages are calculated in accordance with the items included in total wage statistics stipulated by the National Bureau of Statistics.

Legal basis: Article 1 of the "Housing Provident Fund Management Regulations" is formulated in order to strengthen the management of housing provident funds, safeguard the legitimate rights and interests of housing provident fund owners, promote urban housing construction, and improve the living standards of urban residents.

Article 2 These regulations apply to the deposit, withdrawal, use, management and supervision of housing provident funds within the territory of the People's Republic of China and the country.

The term “housing provident fund” as mentioned in these Regulations refers to state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social groups (hereinafter collectively referred to as units) and their employees

Contributions to long-term housing savings.

Article 4 The management of housing provident funds shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, storage in special bank accounts, and financial supervision.