The housing provident fund deposit ratio of units and employees should be strictly controlled within the range of 5% 0.2%. According to their own production and operation conditions, newly-added deposit enterprises can independently choose the deposit ratio within the range of 5%- 12% to deposit housing provident fund for employees. Existing deposit enterprises can appropriately reduce or increase the current deposit ratio according to their own production and operation conditions, according to the minimum deposit ratio of not less than 5%, and report to the housing provident fund management agency for review and implementation. Among them, the reduced deposit ratio shall not be less than the current deposit ratio by more than three percentage points, and the interval shall not be less than one year.

First, the use of provident fund loans are:

1. Purchase;

2. renovation;

3. Overhaul owner-occupied housing;

Two, limit the loan conditions or not to lend:

1. Individual housing loans (including housing provident fund loans or commercial loans) are overdue for a total of 10 times. If they have not been settled or settled for less than two years, no loans will be granted.

2. When employees apply for housing provident fund loans, they conceal or lie about their marital status, immediate family members, purchase behavior, housing quantity, etc. , and will not lend within 5 years from the date of being recognized.

3. Fictitious extraction conditions, or the extraction of housing provident fund with forged information, will not be loaned within 5 years from the date of self-determination.

Legal basis: Article 16 of the Regulations on the Management of Housing Provident Fund, the monthly contribution of employees' housing provident fund is the average monthly salary of employees in the previous year multiplied by the contribution ratio of employees' housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.