Monthly deposit base of employee housing provident fund = total wages of employees in the previous year12. The maximum payment base of the provident fund shall not exceed 3 times of the average monthly salary of employees in the previous year; Every region will adjust the payment base range of housing provident fund every year, and July 1 day to June 30 of the following year belongs to a payment year.

Personal housing provident fund portfolio loan: refers to that when the amount of housing provident fund loan is insufficient to pay the house purchase price, the borrower applies for housing provident fund loan, and at the same time applies for commercial personal housing loan from the entrusted bank, and the two loans together form a portfolio loan. Housing provident fund loans in portfolio loans are approved by the management center, and commercial loans are approved by the entrusted banks.