How much is the minimum five insurances per month?

First, the minimum payment standard of five insurances and one gold

1. Pension: 20% of the unit contribution base (2000 * 20% = 400 yuan) and 8% of the individual withholding base (20,000 yuan) *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, according to the base number 1%(20000 * 1% = 20 yuan), individuals do not pay fees;

4. Maternity: the employees with foreign registered permanent residence do not participate in this insurance, and the payment base of the 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-scale overall planning) (2000* 10%=200) and 2% (basic medical care) (20000 * 2% 3 = 43 yuan) are withheld by the company;

6. Housing accumulation fund: units and individuals each pay 8% of the base (2000 * 8% =160 yuan, totaling 320 yuan). If the unit conditions are good, you can apply for an increase to 10%.

Second, what is the impact of the minimum payment standard for 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 process of calculating the pension, we rely on an important condition, namely the average contribution index. In short, your five insurances and one gold are paid according to the minimum standard. In fact, the average contribution index is the lowest standard, so it is about 60%, so your future pension level is not very high, at least your 60% is much lower than 100%.

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 your housing provident fund standard is relatively high, you need to deduct 2000 yuan or more from your monthly salary, but if you only choose the minimum standard today, you may only deduct 100 or 200 yuan. Because the housing provident fund is paid into our personal account in full, you will have less money in your personal account every month, which will have an impact on yourself, that is, your net income will decrease.

Legal basis:

Article 10 of the Interim Regulations on the Collection and Payment of Social Insurance Fees

Payment units must declare the amount of social insurance premiums payable to social insurance agencies on a monthly basis, and pay social insurance premiums within the prescribed time limit after being approved by social insurance agencies.

If the payer fails to declare the amount of social insurance premiums payable according to the regulations, the social insurance agency will temporarily determine the amount payable according to 1 10 of the amount paid by the unit last month; If there is no amount paid last month, the social insurance agency shall temporarily determine the amount to be paid according to the operating conditions of the unit and the number of employees. After the payer completes the declaration procedures and pays the social insurance premium according to the approved amount, the social insurance agency shall settle the account according to the regulations.