The provident fund payment ratio shall not be less than 5% of the employee's salary. The county (city) that has initially established the housing provident fund system may appropriately lower this ratio. The unit's payment ratio can be increased to a maximum of 15% of the employee's salary, and the individual's payment ratio can be increased to 10% of the employee's salary;

For employees who joined the workforce after December 15, 1998, the unit's housing provident fund payment ratio can be up to 25% of the employee's salary, and the individual's payment ratio shall not be less than 10% of the employee's salary, but not higher than 15%.