Legal analysis: According to the relevant regulations of our country, the units that have difficulties in paying the housing provident fund can reduce the payment ratio or postpone the payment after being discussed and approved by the workers' congress or trade union of the unit, reviewed by the housing provident fund management center and approved by the housing provident fund management Committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the payment will be postponed. Legal basis: Article 20 of the Regulations on the Management of Housing Provident Fund stipulates that the unit shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid. Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and approval by the workers' congress or trade union of the unit, review by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the payment will be postponed.