What is the payment ratio and base of five insurances and one gold in Guilin?

For Guilin citizens, going to a local hospital to see a doctor, have a baby and buy a house can use the balance of the five insurance and one gold account to reimburse part of the expenses. Housing provident fund is paid by units and individuals in the same proportion, so the higher the proportion paid by units, the more favorable it is for individuals and the more the account amount. There is no uniform payment standard for five insurances and one gold in Guangxi, so what is the payment ratio and base of five insurances and one gold in Guilin? Please look at the content of the following article. 1. What is the payment ratio of five insurances and one gold in Guilin? In social insurance, all expenses are calculated based on the average annual salary of employees in the previous year (the first month's salary or the salary agreed in the labor contract is the payment base for new employees), and are paid by the unit and individual employees respectively. The prescribed ratio is roughly: (1) pension: 20% for the unit and 8% for the individual. (2) Unemployment: 2% for employers and 65,438+0% for individuals. (3) Medical treatment: 6-4% for units and 2-4% for individuals. (4) Work-related injury: 65438+ 0% for the unit and 0% for the individual. (5) Fertility: unit 1%, individual 0%. (6) Housing accumulation fund: it is generally 8%- 12% of the unit, and the same is true for individuals. 2. How is the base of five insurances and one gold payment in Guilin determined? The social security payment base is the basis for the insured units and employees to pay social insurance premiums. Individual employees take the monthly average of their total wage income in the previous year as the monthly payment base of this year, and new employees take the full-term wage income in the month when they start paying wages as the payment base. The social security payment base is adjusted from June 5438 to May every year. The minimum standard is 60% of the average salary of local employees in the previous year, and the upper limit is 300%. Housing provident fund and social security payment base are the same in principle. The payment base of housing provident fund is adjusted in July every year. The minimum standard is the same as the local minimum wage standard, and the upper limit is the same as the upper limit of social security payment base. The payment base and proportion of social security and provident fund will be different in different parts of the country, and the standards and proportions used by employers may also be different in specific implementation. Housing accumulation fund is a long-term housing deposit paid by employers and employees, and it is the main form of monetization, socialization and legalization of housing distribution. The management of housing provident fund shall follow the principles of decision-making of housing provident fund management committee, operation of housing provident fund management center, storage of special bank accounts and financial supervision. 3. Under what circumstances can Guilin citizens advance the housing provident fund? Under any of the following circumstances, employees can withdraw the storage balance in the individual housing provident fund account: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income; (seven) to terminate the labor relationship with the unit and move the account out of the city; To sum up, units in Guilin pay five insurances and one gold for individuals, with the average wage of employees as the standard. The salary here includes basic salary and various allowances. The payment ratio of five insurances and one gold in Guilin is only an approximate range, and the unit can decide on its own according to its own situation, but it cannot be lower than the minimum standard. Citizens can also check the payment status of their accounts through the websites of Guilin Social Security Center and Provident Fund Center, so as to know the account balance in time and make it easy to use.