Individuals also pay 12%. Of course, there are PetroChina, state-owned banks and tobacco. Enterprises pay more. Generally speaking, enterprises will set up provident fund accounts for employees, and then pay the provident fund according to a certain proportion of employees' basic salary (generally 7%, the supplementary provident fund fluctuates slightly according to different units, and the general individual contribution ratio does not exceed 1%). At present, the deposit ratio of housing provident fund is 1 1% for units and employees respectively. Eligible units can apply to increase or decrease the payment ratio, with the highest being 15% and the lowest being 5%.