How much does it cost to pay for five insurance and one gold

Five insurance and one gold is about 1500 yuan a month, including personal and unit contributions. Individual employee contributions are generally about 500 yuan.

Provident fund payment:

Housing provident fund monthly contribution = the employee's own average monthly gross salary in the previous year x the contribution ratio, (Note: the individual contribution ratio and the unit contribution ratio are multiplied by the average monthly gross salary, and the product is added together).

The monthly contribution to the Housing Provident Fund varies with the gross salary.

The formula for calculating the five insurance premiums: five insurance premiums contribution base × five insurance premiums contribution ratio

The social insurance base, referred to as the social security base, is the social insurance contribution base of an employee in a social security year. It is determined according to the monthly average amount of wages and salaries tax items declared by the employee for personal income tax from January to December of the previous year.

The social insurance contribution base is an important basis for calculating the social security contributions to be paid by employers and their employees and the social insurance benefits of the employees, and there is an upper limit and a lower limit, with the specific amount depending on the actual situation in each region.

The ratio of social security contributions is roughly as follows (taking Beijing as an example):

Pension insurance: 21% for the unit and 8% for the individual;

Medical insurance: 10% for the unit and 2% for the individual;

Unemployment insurance: 2% for the unit and 1% for the individual;

Workers' compensation insurance: According to the unit is divided into the scope of the industry to determine its injury rate, between 0.5% to 2%, individuals do not have to pay;

Maternity insurance: the unit to pay the proportion of 0.8%, individuals do not have to pay.

According to the "Housing Provident Fund Management Regulations", the base for provident fund contributions is the employee's own average monthly salary for the previous year, which is used to calculate the current year's contributions. As early as January 2005, the Ministry of Construction, the Ministry of Finance and the People's Bank of China issued the "Guiding Opinions on Certain Issues in the Management of Housing Provident Fund", which stipulates that the proportion of the employee's and the unit's contribution to the housing provident fund should not be less than 5%, and in principle, not higher than 12%, and that the monthly salary base for the contribution to the housing provident fund should not exceed the average monthly salary of the employees of the previous year as announced by the statistical department of the city in which the employee is located in the district where the employee is working. The monthly salary base for the contribution to the housing fund should in principle not exceed two or three times the average monthly salary of the employees in the previous year published by the statistical department of the city where the employee works.

Extended reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"