The highest provident fund contribution ratio is 12, and the lowest is 5.

The basic housing provident fund deposit ratio for both units and individuals is within the range of 5-12, and the maximum housing provident fund deposit ratio for units and individual employees shall not exceed 12; each depositing unit can make the payment according to its own production According to the operating conditions, the housing provident fund payment ratio shall be appropriately reduced in stages, but the minimum payment ratio shall not be less than 5.

The provident fund loan methods are as follows:

1. House purchase loan: Provident fund house purchase loans are mainly used to purchase self-owned homes, and their interest rates are low, making them the first choice for many home buyers.

2. Rental loan: Provident fund rental loan is used to pay rent, with relatively loose conditions, meeting the needs of many renters.

In summary, provident fund loans are a benefit for employees, but whether they can be used and how they are used need to be determined based on individual circumstances and local policies. When using provident fund loans, you need to understand the relevant regulations and procedures to ensure that the provident fund is used in a legal and compliant manner.

Legal basis:

"Regulations of the People's Republic of China on the Administration of Housing Provident Fund"

Article 26

Payment Employees with housing provident fund savings can 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.