How to calculate the five insurance and one gold in Beijing

Beijing's five insurance and one gold payment ratio is as follows 1, Beijing's pension insurance unit contribution rate of 20%, the individual contribution rate of 8%; 2, medical insurance unit contribution rate of 10%, the individual is 2% + 3 yuan; 3, unemployment insurance contribution rate of 1% for the unit, the individual 0.2%; 4, industrial injury insurance unit contribution rate of 0.48%, the individual does not Maternity insurance unit contribution rate of 0.8%, individuals do not contribute. Housing provident fund contribution ratio unit and individual for the same 12%, take the lower limit and will be the total contribution ratio of each fund unit "five insurance and one gold" contribution ratio of 44.28%, the individual contribution ratio of 22.2%, the sum of these two ratios is 66.48%. The upper limit of the base is determined in accordance with 300% of the average monthly salary of the city's employees in 2018, with a maximum of 15,669 yuan. The lower limit of the contribution base for employees participating in basic pension insurance and unemployment insurance is determined according to 40% of the average monthly salary, with a minimum of no less than 2,089 yuan. The lower limit of the contribution base for employees participating in basic medical insurance, industrial injury insurance and maternity insurance shall be determined in accordance with 60%, with a minimum of not less than 3,134 yuan.

Article 16 of the Regulations on the Administration of Housing Provident Funds The monthly contribution to an employee's housing fund is the employee's average monthly salary for the previous year multiplied by the employee's housing fund contribution ratio. The monthly contribution to the Housing Provident Fund made by a unit for an employee shall be the average monthly salary of the employee for the previous year multiplied by the unit's contribution ratio to the Housing Provident Fund. Article 17 of the Regulations on the Management of Housing Provident Funds: Newly employed employees shall start to contribute to the housing provident fund from the second month of their employment, and the monthly contribution shall be the employee's monthly salary multiplied by the employee's housing provident fund contribution ratio. Employees newly transferred to a unit shall contribute to the housing accumulation fund from the date of salary payment by the unit to which they are transferred, and the monthly contribution shall be the employee's own monthly salary multiplied by the employee's housing accumulation fund contribution ratio. Article 18 of the Regulations on the Management of Housing Provident Funds The contribution ratio of both the employee and the unit's housing provident fund shall not be less than 5% of the employee's average monthly salary for the previous year; cities with the conditions can appropriately increase the contribution ratio. The specific contribution ratio shall be formulated by the Housing Provident Fund Management Committee, and after examination by the people's government at its own level, it shall be reported to the people's government of the province, autonomous region or municipality directly under the Central Government for approval.