What is the minimum payment standard for five insurances and one gold?

What is the minimum payment standard for five insurances and one gold?

1. What is the minimum payment standard for five insurances and one gold?

1. Pension: 20% of the unit contribution base (2000 * 20% = 400 yuan) and 8% of the individual withholding base (2000 * 8% =160 yuan);

2. Unemployment: unit contribution 1.5% base (2000* 1.5%=30 yuan), individual withholding 0.5% base (2000*0.5%= 10 yuan), and individual migrant workers do not pay;

3. Work injury: According to the nature of the unit, the withholding ratio is different. Take a wholly foreign-owned enterprise as an example, pay according to 1% of the base (2000 * 1% = 20 yuan), and individuals do not pay;

4. Maternity: employees with foreign registered permanent residence are not covered by this insurance, and the payment base of employees with Beijing registered permanent residence is 0.8%(2000 * 0.8% = 16 yuan), and individuals do not pay;

5. Medical care: 9% of the base (basic medical care)+1% (large-sum overall planning) is paid by the unit (2000* 10%=200), and 2% (basic medical care) +3 (large-sum overall planning) is withheld by the individual (2000*2%+3=43 yuan).

6. Housing accumulation fund: 8% of the base pay by units and individuals (2000 * 8% =160 yuan, paid according to 320 yuan). If the unit conditions are good, you can apply for an increase to 65,438+00%.

Second, what is the impact of paying according to the minimum payment standard of five insurances and one gold?

In fact, if you pay five insurances and one gold according to the minimum standard, it will definitely have a great impact on yourself. In the calculation of pension, it depends on an important condition, that is, the average contribution index. In other words, if you pay five insurances and one gold according to the minimum standard, the average payment index is actually a minimum standard, which is about 60%, then your future pension level is actually not very high, at least your 60% is relative to 65438+.

In addition to the basic old-age insurance, the rest are mainly reflected in the housing provident fund with five insurances and one gold. If the standard of your housing provident fund is relatively high, it's like you need to deduct 2,000 yuan or more from your salary every month, but if you only choose the minimum standard today, you may only deduct one or two hundred yuan, because the housing provident fund is fully paid into your personal account, so you will pay less money into your personal account every month, which will have an impact on yourself, that is to say, your net income will be reduced.

3. How much do you pay for five insurances and one gold a month?

Five insurances and one gold are about 1500 a month, including the contributions of individuals and units.

Deposit of housing provident fund: monthly deposit of housing provident fund = average total wages of employees in the previous year × deposit ratio, and monthly deposit of housing provident fund changes with 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.