Shanghai Provident Fund can be paid in the following ways: 1. Individual deposit: Individuals can pay Provident Fund through their employer, or they can pay Provident Fund on their own at the local Housing Provident Fund Management Center.

The proportion of provident fund paid by an individual is usually based on a certain proportion of monthly salary, and the specific proportion is determined according to local policies; 2. Payment by the unit: Provident fund payment by the employer means that the employer pays the provident fund on behalf of its employees, and distributes the provident fund to the employees according to the proportion stipulated by the state.

After deducting the provident fund, it will be paid to the local housing provident fund management center; 3. Bank withholding: Individuals can activate the provident fund withholding function at the bank. When the monthly salary is paid, the bank will automatically deduct the amount of provident fund payable from the salary.

The amount will be deducted from the housing provident fund and paid to the Housing Provident Fund Management Center on your behalf.

Specific regulations on the use of provident funds include: 1. House purchase: Provident fund loans can be used to purchase self-occupied housing, but there are certain restrictions, including loan amount, house purchase area, house purchase city, etc.

Generally speaking, provident fund loans can be used to purchase second-hand houses or new houses, but commercial real estate is not allowed; 2. Decoration: Provident fund funds can be used to withdraw funds for housing decoration, but certain conditions need to be met, such as cumulative deposit time, withdrawal

Quota, etc.

The use of provident fund funds for decoration may also be different in different regions. You need to consult the local housing provident fund management center or relevant departments; 3. Mortgage repayment: You can use the balance in the provident fund account to repay the mortgage, but you need to do it before repayment.

To apply for withdrawal, please consult the local housing provident fund management center for specific application methods and conditions; 4. Medical care: You can use the provident fund to withdraw funds to pay for medical expenses that meet the reimbursement conditions.

The scope and standards of provident fund medical reimbursement may also differ in different regions. You need to consult the local housing provident fund management center or relevant departments.

To sum up, the specific regulations on the use of provident funds may vary from region to region and policy. For specific regulations, you need to consult the local housing provident fund management center or relevant departments to ensure the legality and effectiveness of using provident funds.

In addition, when using provident funds, you should comply with relevant regulations and requirements to avoid illegal activities and losses.

Legal basis: Article 5 of the "Regulations on the Administration of Housing Provident Funds of the People's Republic of China" The housing provident fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may misappropriate it for other purposes.

Article 26 Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes.

The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures.

The risks of housing provident fund loans are borne by the housing provident fund management center.