five social insurance and one housing fund

"One gold" refers to the housing accumulation fund.

Explain in detail:

Three insurances and one gold: basic old-age insurance, basic medical insurance, unemployment insurance and housing accumulation fund.

1. Old-age insurance: the individual contribution is 4% of the base salary, the enterprise contribution is 10% of the base salary, and the individual contribution reaches the legal normal retirement age.

2. Medical insurance: 2% of the salary base of individual contributions and 9.8% of the salary base of unit contributions in the basic medical insurance, of which 0.8% is deposited in individual accounts; Individuals in large mutual funds for medical expenses pay 3 yuan every month, and the unit pays 1% of the salary base. Personal illness, paid by the basic medical insurance fund and personal account * * *. Medical expenses that exceed the qifubiaozhun of the basic medical insurance pooling fund and should be borne by individuals in proportion. The insufficient part of personal account shall be paid by myself.

3. Unemployment insurance: x 0.5% of the individual contribution wage base and 1.5% of the unit contribution wage base. Participate in unemployment insurance according to the regulations, and the unit and I fulfill the payment obligation according to the regulations for 1 year; Not because of my will to interrupt employment; Those who have registered for unemployment and have job requirements can receive unemployment insurance money.

4. Housing accumulation fund: individuals pay 8% of X salary base, and units pay 8% of salary base. Individual purchase, construction, renovation and overhaul of owner-occupied housing; Retirement, complete loss of working ability, and termination of labor relations with the unit; Cities and counties where the registered permanent residence has moved out or settled abroad; Repay the principal and interest of the house purchase loan; If the rent exceeds the specified proportion of family wage income, you can withdraw the housing provident fund.

About five insurances and one gold

"Five insurances and one gold" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance;

"One gold" refers to the housing accumulation fund.

Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay fees. It should be noted here that "five risks" are legal, but "one gold" is not.