Beijing social security full five years to buy a house is possible?

Beijing social security five years to buy a house is possible. First of all, according to our national law clearly stipulates that if you want to buy a house in Beijing, then you need to pay a full five years of continuous social security. If you buy a house for three years there is a break in payment, and especially in the case of three months or less after making up the payment also have the qualification to buy a house.

A, Beijing social security full five years to buy a house can?

Beijing social security full five years to buy a house is possible. If you want to buy a house in Beijing, one of the requirements is that you have to pay the social security in Beijing for five years. If you buy a house in the year of social security payment breaks, and the time of payment breaks within three months, by making up for the qualification to buy a house; more than three months, even if making up for the qualification to buy a house, in addition, across the year of payment breaks, make up for the qualification to buy a house! (Please refer to the Housing Authority for details.

Two, social security account balance can cash

Social security account balance can not be cash, which medical insurance account balance can be used for the cardholder daily in the pharmacy to buy drugs, hospitals to pay for medicine, but can not be cash or cash; pension account balance is only in the cardholder to reach the age of retirement, and the payment of contributions is not yet full of 15 years before the balance can be withdrawn, the balance of the cardholder. If you have paid for 15 years to enjoy the monthly pension treatment, the balance can not be taken.

Social security is the welfare protection implemented by the state, and you can enjoy the protection of health insurance, pension, unemployment, work injury, maternity, etc. The priority of the insurance is higher than the commercial insurance.

Three, how to calculate the personal account of the pension insurance

Pension = (the province's average monthly salary of active employees in the previous year I indexed the average monthly contribution wage) ÷ 2 × years of contribution × 1% = the province's average monthly salary of active employees in the previous year (1

I average contribution index) ÷ 2 × years of contribution × 1%.

Personal pension insurance is paid at 20% of the contribution base, of which 12% of the contribution base is allocated to the integrated account and 8% of the contribution base is included in the personal account.

The amount of the pension is also calculated in two parts when you retire later. One part is calculated from the integrated account, which is the basic pension; the other part is calculated from the individual account, which is the individual account pension.

The basic pension insurance premiums are borne by both the enterprise and the individual employee***: the enterprise pays a certain percentage of the average monthly gross salary of the employees of the enterprise in the previous year (19% in Beijing, and may be different in other cities), and the individual employee pays a certain percentage of his/her average monthly salary income in the previous year (8% in general).

The individual urban businessmen, flexibly employed persons and laid-off workers of state-owned enterprises who participate in basic pension insurance in their personal capacity will pay the basic pension insurance premiums at a rate of 20% of the average social wage of the previous year in the province where they live as the basis for the contributions, which will be borne entirely by themselves.

In summary, after five years of social security payments in Beijing, you may not be able to settle down, but you must pay continuously during the period, and you can't break the payment, and you need to make up the payment within three months after the break. In addition to this, the local social security contributions are mainly based on the average salary of the province's on-the-job workers in the previous year, as well as the personal status of the individual. The actual insurance registration and insurance fee payment is subject to the actual situation.

In our daily life, the Beijing Municipality can pay social insurance, and if you want to buy a house in Beijing, you need to pay social insurance continuously for five years, otherwise there is no way to buy, this is very important, you need to understand the qualifications of the purchase.