How much do you pay for five insurances and one gold?

Among the five insurances and one gold, individuals only need to pay endowment insurance, medical insurance and unemployment insurance, while the proportion of individual contributions to endowment insurance is 8%, and medical insurance is divided into three grades, each grade has a different proportion of individual contributions, and the proportion of unemployment insurance is 0. 5%, and finally, the deposit ratio of housing provident fund. The personal lower limit is 5% and the upper limit is 12%. You can choose the proportion of payment within the prescribed scope according to the actual situation. Therefore, there are only three types of insurance that individuals can pay, and the provident fund can also be paid by individuals.

I. How much do you pay for five insurances and one gold?

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

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.

Two. 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%;

Industrial injury insurance: the industrial injury rate is determined according to the industry scope of the unit, which is 0. Between 5% and 2%, individuals do not have to pay;

Maternity insurance: the unit pays 0. 8%, individuals don't 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.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.