Beijing five insurance and one gold payment formula

Five insurances and one gold cost about10.5 million a year, including individual and unit contributions.

Provident fund payment:

Monthly contribution of housing provident fund = total average wages of employees in the previous year × contribution ratio (Note: individual contribution ratio and unit contribution ratio are multiplied by monthly average wages respectively, and their products are added. )

The monthly deposit of housing provident fund varies with the total wages.

Calculation formula of five insurances and one gold: payment base of five insurances and one gold × payment ratio of five insurances and one gold.

Social insurance base, referred to as social insurance base, refers to the social insurance payment base of employees in a social security year. It is determined according to the average monthly salary and salary tax amount of the previous year declared by employees from June 1 day to February 1 day.

The social insurance payment base is an important basis for calculating the social insurance premiums and social insurance benefits paid by employers and their employees. There are upper and lower limits, depending on the actual situation in each region.

The proportion of social security payment is roughly as follows (taking Beijing as an example):

Endowment insurance: 2 1% for the unit and 8% for the individual;

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

Unemployment insurance: the unit pays 2% and the individual pays1%;

Work-related injury insurance: the work-related injury rate is determined according to the industry scope of the unit, ranging from 0.5% to 2%, and individuals do not have to pay fees;

Maternity insurance: the unit pays 0.8%, and the individual does not have to pay.

According to the Regulations on the Management of Housing Provident Fund, the deposit base of the provident fund is the average monthly salary of employees in the previous year, so as to calculate the deposit amount of this year. As early as June 5438+ 10, 2005, the Ministry of Construction, the Ministry of Finance and the People's Bank of China issued "Guiding Opinions on Several Issues Concerning the Management of Housing Provident Fund", stipulating that the proportion of employees and units paying housing provident fund shall not be less than 5%, and in principle shall not be higher than 12%. In principle, the monthly salary base of housing provident fund deposit shall not exceed two to three times the average monthly salary of employees in the previous year published by the statistical department of the city where the employees are located.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.