Beijing freelance, pay social security, call, 20 thousand a year, pay 65438+300 thousand in 2005, is it cost-effective

Is it cost-effective to do freelance work in Beijing, pay social security and make phone calls, 20,000 yuan a year and 65,438+300,000 yuan in 2005? First of all, if the law is strictly followed, freelancers can only pay social insurance for urban workers in Beijing as flexible employees, which violates relevant regulations.

Moreover, if you pay social insurance as a flexible employee, the cost is much lower than that of the affiliated unit. To participate in social insurance according to the unit, you need to pay pension, unemployment, work injury, medical care and maternity insurance, while non-Beijing-based flexible employees only pay pension, unemployment and medical care. Moreover, the rates are different. Take the endowment insurance as an example. If the unit insured is insured, the contribution ratio of the old-age insurance unit is 65438+ 06% of the contribution base, and 8% of the individual contribution base, totaling 24%. Flexible employment personnel insured, the payment ratio is 20% of the payment base.

From the above, we can see the difference of social insurance cost paid by people with different identities.

Second, because the average social wage is increasing year by year, the base of social insurance contributions is increasing year by year, whether the unit is insured or the flexible employees are insured. Therefore, the cost is rising year by year, and it is impossible to set it at 20,000 yuan per year.

According to the data of recent ten years, the average social wage in Beijing has increased by about 10% every year. If you choose a fixed proportion of social welfare, such as 60% or more social welfare as the payment base, then the annual increase in expenses is about 10%. In other words, the fees paid in about 7 years will double. If the cost this year is 20,000 yuan, then after seven years, it will need 40,000 yuan. After seven years, it will cost nearly 80 thousand yuan every year. Together, the two 7 years are only 14 years, which has not reached the minimum payment period 15 years.

Third, although the cost of paying social insurance is not low, from the perspective of receiving pensions, as long as the average life expectancy is reached, it is definitely cost-effective.

And you are affiliated to pay the fee 15 years. It is estimated that you are a non-Beijing hukou. In order to be eligible to buy a house, a car or send children to school in Beijing, if so, there is no question of whether it is uneconomical.