You can pay the housing provident fund personally. Who pays the provident fund is determined according to the following circumstances:

1. Individual industrial and commercial households and freelancers in urban areas are individuals who can apply to pay the housing provident fund;

2. The individual is an employee of an unit , the unit shall pay the provident fund;

3. The individual is unemployed, not employed by the unit, and is not an individual industrial and commercial household, so he cannot pay the provident fund.

To use a provident fund loan, two conditions need to be met, as follows:

1. The provident fund is in normal payment conditions in the month of application;

2. The provident fund is continuously paid. The time shall not be less than 6 months.

The provident fund is provided by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social groups (hereinafter collectively referred to as units) and their employees Contributions to long-term housing savings.

Article 17 of the "Housing Provident Fund Management Regulations"

New employees who join the workforce will start to pay housing provident fund from the second month of starting work, and the monthly payment amount is the employee's own The monthly salary is multiplied by the employee housing provident fund contribution ratio.

Newly transferred employees from the unit shall contribute to the housing provident fund from the date when the transferred unit pays wages. The monthly deposit amount shall be the employee's monthly salary multiplied by the employee housing provident fund contribution ratio.