If the provident fund is 4000, if it is the personal part, it will be 4000. Even if calculated at 12%, the personal pre-tax income is 4000/0.12=33333 yuan, which should exceed the upper limit of the provident fund payment base in most cities (26,400 yuan in Suzhou Industrial Park). Therefore, the provident fund 4000 should pay a total of 4000 for individuals/units, that is, 4000 yuan is credited to the provident fund account every month. If it is a private company/foreign company, it is generally a personal company that pays 1:1. Provident fund payment is generally 5%, 8%, and 12%. Then the personal salary is 2000/percentage=40,000, 25,000, 16666. Among them, 40,000 obviously exceeds the upper limit of the payment base and shall be eliminated. If it is a civil servant/institution/state-owned enterprise, there will be individual units paying 1:2 or 1:3. These units will not pay 5%, so 8% and 12% are calculated. If it is 1:2, 8% and 12% are 1333/percent=16662.5 and 11108 respectively. If it is 1:3, 8% and 12% are 1000/percent = 12500 and 8333, respectively. To add: The payment base and monthly salary of the above three types of units may be inconsistent. If they are inconsistent, the monthly salary is generally lower than the payment base. To sum up, the provident fund is 4000. Generally speaking, the possible income is 25000 or 16666 for private enterprises/foreign enterprises. If it is a civil servant/institution/state-owned enterprise, it may also be 16662.5, 11108, 12500 and 8333.

Of course, there are also those who do not pay according to the above three proportions. In other cases, the calculation is less and the calculation method is the same.

the above.

Each region is quite different, here is Beijing as an example.

The 4000 described in the problem can only be the sum of 4000 provident funds paid by units and individuals, because the upper limit of the provident fund paid by individuals in Beijing cannot exceed 3334.

Housing provident fund payment calculation company = employee personal salary × personal payment ratio + employee personal salary × unit payment ratio. Normally, under the unified national standard, the contribution rate of housing provident fund is 5%-12%, and the contribution rate of the unit and the employee is basically the same. Therefore, the monthly provident fund account is 4,000 yuan, assuming that the provident fund payment ratio is 12%, then the company and the individual pay 2,000 yuan each, and the personal pre-tax salary should be 16,670 yuan.

Looking at the city limits, the maximum limit of the provident fund is different for each city. For example, Shenzhen can borrow up to 500,000 yuan, and Guangzhou can borrow up to 600,000 yuan. The most direct thing is to check the maximum amount on the official website of the housing provident fund in your city before taking out a loan. ② Look at the account balance There is a proportional relationship between the amount of provident fund loans and the balance of the provident fund account, depending on the requirements of each city. In Shenzhen, the loan limit of the provident fund cannot exceed 14 times the balance of the provident fund, and it cannot exceed the first city limit. That is, loan limit ≤ provident fund account balance × local multiple ≤ maximum loan limit, take Shenzhen as an example to calculate: assuming that the provident fund balance is 35,000, then the available loan is 35,000*14=490,000<500,000 (the maximum loan limit), The final loan is 490,000; assuming the provident fund balance is 40,000,