The provident fund repays the loan on a monthly basis, but the lender needs to apply to the housing provident fund management center, fill in the application form and submit the required relevant materials. After the approval of the housing provident fund management center, the lending institution shall review the relevant qualifications of the lender. Therefore, the provident fund is also paid monthly in the same month.

The deposit base of the provident fund is determined according to the employee's monthly salary. The deposit ratio generally refers to the deposit ratio of housing provident fund, that is, the ratio of the provident fund payable by the depositor to the salary, which is related to the salary base and the payable coefficient of the depositor.