According to the regulations, the proportion of individuals and units paying provident fund is 8: 12, that is, individuals pay 8% and units pay 12%. Among them, individual contributions will be directly deducted from wages, and unit contributions will be paid by enterprises.

The process of provident fund generally includes the following steps:

1. Payment of provident fund: units and individuals shall pay the provident fund according to the specified proportion. Generally, the unit is responsible for remitting the provident fund to the local provident fund management center. You can also choose to pay by yourself, but you need to go to the local provident fund management center to operate;

2. Opening a provident fund account: after the unit and individual join the job, they need to open a provident fund account in the local provident fund management center to deposit and withdraw the provident fund;

3. Provident fund account management: units and individuals can query the deposit and withdrawal records, account balance and other information in the provident fund account;

4. Withdrawal of provident fund: individuals can apply for withdrawal of provident fund under certain circumstances according to relevant regulations, such as buying a house, repaying a loan, renting a house, retiring, treating a serious illness, etc.

5. Provident fund loans: individuals can also apply for provident fund loans under certain circumstances according to regulations, such as buying houses and decorating, which need to meet the corresponding conditions and regulations.

To sum up, the provident fund management centers and policies in different regions may be different, and the specific processes may also be different. Therefore, before the specific operation, it is recommended to understand the relevant local regulations and operational procedures.

Legal basis:

Article 13 of the Regulations on the Management of Housing Provident Fund

The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.