1. If there is a planned loan to buy a house, it is cost-effective for individuals to pay the provident fund, because the interest rate of provident fund loans is lower than that of commercial loans; If you don't need a provident fund loan to buy a house in the future, there is no need to pay the provident fund yourself, because you don't need it in the future;

2. Housing provident fund loans refer to housing mortgage loans granted by commercial banks entrusted by local housing provident fund management centers to on-the-job employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment.

Individual provident fund payment provisions are as follows:

1. If the individual is an individual industrial and commercial household, the individual industrial and commercial household can pay the provident fund for itself;

2. If the individual is an employee of the company, if the company does not pay the provident fund, you can try to communicate with the company leaders about the payment of the provident fund, but if the company cannot replace it, you can pay it all yourself;

3. If an individual is unemployed, working in WeChat business or Taobao, not a unit occupation or individual industrial and commercial households, he cannot pay the provident fund. In this case, he can only pay the provident fund by himself through the affiliated unit.

To sum up, a contribution ratio of housing provident fund is stipulated by law, and the ratio of company contribution and individual contribution is 12%. Of course, the payment amount of five insurances and one gold will vary from region to region, but it is basically based on a person's salary standard.

Legal basis:

Article 15 of the Regulations on the Management of Housing Provident Fund

Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go through the formalities for the establishment or transfer of employee housing provident fund accounts.

Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.

Article 16

The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.