according to the national regulations, the contribution ratio of the provident fund is 5%-12%, and the company can choose the specific contribution ratio independently. At the same time, each region will set the contribution base limit according to the local average wage, and individuals and companies will pay the same amount of provident fund.

payment base of provident fund:

The payment base is 6%-3% (4%-3% in some places) of the average monthly salary of employees in the province where the insured person is located in the previous year, and it is paid monthly.

conditions for applying for provident fund loans: 1. the provident fund account has been opened for 12 months; 2. the provident fund has been paid for 12 months; 3. it is being paid normally; 4. there are no outstanding provident fund loans for families.

loanable amount of the provident fund loan: 1. (individual deposit amount/individual deposit ratio -4)/ corresponding repayment coefficient per 1, yuan; 2. The maximum loan can be 8% of the appraised value of the house to be purchased. 3. Generally, the maximum loan is 8,. If the credit rating is AA, it can be 92,, and AAA can be up to 1.4 million. At the same time, the maximum loan amount of the provident fund loan is constrained. When there are differences among the three, the loan amount with the lowest amount shall prevail.