Payment ratio of five insurances and one gold in Shenzhen

Shenzhen household registration pension insurance unit pays 14%, individual pays 8%, and * * * is 22%; Medical insurance units pay 6.2%+0.5% (maternity insurance), individuals pay 2%, * * * 8.7%; Unemployment insurance units pay 2%, and individuals pay 1%, accounting for 3%; Work-related injury insurance units pay 0.4%, 0.8%, 1.2% (according to the actual payment rate after the implementation of floating rate), and individuals do not pay.

Five insurances and one gold refer to endowment insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing accumulation fund. Employers must pay five insurances and one gold for employees, of which medical insurance, endowment insurance and unemployment insurance are paid by enterprises and individuals in proportion, and maternity insurance and work-related injury insurance are borne by enterprises alone.

The minimum standard of "five insurances and one gold" in Shenzhen mainly refers to the payment base. According to the provisions of the social security law, the employer takes the total wages of employees as the payment base, and the actual wages of employees as the payment base.

The use of housing accumulation fund

Provident funds can be used to buy a house: when there is insufficient funds to buy a house, you can withdraw the provident fund down payment to buy a house, and your children can also withdraw the provident fund to buy a house. When the funds are insufficient after the down payment, you can use the provident fund loan to buy a house.

The provident fund can be used for renting houses: the provident fund can be used to pay the rent of economic rental houses with rent or government rent subsidies, and can also be used to pay the rent of market rental houses.

Provident funds can be used for decoration: in the case of building or decorating self-owned houses on rural collective land and using housing loans, employees and their spouses can apply for withdrawal of provident funds, but the withdrawal amount must be before the month when the building is approved, and the total withdrawal amount must not exceed the building cost.