Ordinary office workers, how much is the provident fund?

According to the national regulations, enterprises pay employee provident fund benefits at the rate of 5%- 12% of the average salary of the previous year.

For example, if you work in a company, it is 2022. When you were at 202 1, your annual income was 60,000, with an average of 5,000 per month. This 5000 yuan is the base of your provident fund payment. Your monthly contribution to provident fund is: 5000× 5%-5000×12% = 250-600 yuan.

At the same time, the unit will give you as much as you deduct. For example, if you earn 500 yuan a month, the company will also give you 500 yuan. One month, the money in your provident fund account is 500+500 = 1000 yuan. One year later, it will be 1.2 million. However, the ideal is beautiful and the reality is cruel. Many people find that their monthly income has reached tens of thousands, but why is the monthly provident fund two or three hundred? That's because, in order to save costs, your enterprise has played a routine.

In order to save costs, many private enterprises are trying to pay less provident fund to their employees, which is a heavy burden for enterprises. But like many enterprises, it cannot be returned to employees. What shall we do? The enterprise has come up with two ways.

1. Pay according to the minimum proportion.

The contribution ratio of provident fund is between 5%- 12%, and many enterprises pay the minimum 5% to their employees. For example, it is also the income of 10,000 yuan per month. If the minimum payment is 5%, employees need to deduct 500 yuan, and enterprises need to pay 500 yuan. One month is 1 10,000, and one year is10.2 million.

If it is paid according to the highest proportion of 12%, the employee's monthly salary will be deducted 1200, and the enterprise will pay 1200. This is 2400 a month, and 28800 a year. 5% and 12%, the enterprise can save 8400 yuan every year. If it is a large enterprise with thousands of people, it can save more than one million costs in that year.

2. Calculate the payment base according to the basic salary.

Other companies are even more ruthless. They not only pay you the minimum salary, but also use your basic salary as the base of payment. For example, your monthly income is 10 thousand. However, your basic salary is 3000 yuan.

Originally, even if it was paid at the rate of 5%, there would be 500 yuan in a month, and the enterprise would pay it to 500 yuan again. However, based on your basic salary of 3,000 yuan, you only need to pay 3,000× 5% =150 yuan that month. The employee's salary is deducted 150, and the enterprise will pay you again 150 yuan. Therefore, to see whether the welfare of an enterprise is good or not, we only need to see how they pay the provident fund to their employees, and we can see it clearly.

Many people prefer to work in the system because the benefits of five insurances and one gold are too good. Why do so many people want to take the civil service exam even if they are desperate? For a clean salary of three thousand dollars? It's not just for benefits other than wages. Especially the provident fund, the working conditions within the system are ridiculously high.

Like I work in a bank, the provident fund is paid according to the ratio of pre-tax salary 12%. For example, my pre-tax salary is 1.5 million, so the payment base is 1.5 million. Deduct from my salary every month15000×12% =1800 yuan. Then, the company will pay me 1800 yuan.

This adds up to 3600 a month and 43200 a year. Moreover, many jobs in the system are directly subsidized by the unit. Equivalent, 24% of the provident fund is paid by the unit. Many people have hundreds of thousands of balances in their provident fund accounts in order to rest as soon as possible. Take this money out, it's enough for the elderly.

In addition to buying a house, the provident fund can also be directly withdrawn. We ordinary people all know the purpose of provident fund, that is, we can borrow money to buy a house. The interest rate is only 3.25%, which is much cheaper than commercial loans. So if there is no demand for housing, what about the money in the provident fund? Can be extracted. There are many ways to withdraw, such as resignation, retirement, renting a house, repaying the mortgage, studying abroad, emigrating, etc.

Say a simple extraction method, you search for "citizen center" in a treasure, which has provident fund business. Then look for "provident fund extraction" and you will see all the methods that can be extracted. It's simple. It will take half an hour to get the account. If there is no citizen center in the city, you can directly call the customer service of the provident fund and ask about the specific withdrawal policy.