What are five insurances and one gold? How much does it cost?

Five insurances and one gold are our important guarantee and national legal welfare.

This article will talk to you about five insurances and one gold in the simplest and most popular language;

Patiently spend 10 minutes reading it, and your career will benefit for life.

1. What is five insurances and one gold? How much does it cost?

Five risks are social security, including:

Pension, medical care, maternity, work injury and unemployment insurance.

One gold is the housing accumulation fund; It is not social security, but it is often called "five insurances and one gold".

These benefits, in addition to your monthly payment, the company has to pay a large fee.

I take a company in Shenzhen as an example, and the monthly salary is before tax 10000. The payment ratio is as follows:

The deposit ratio of provident fund is 5%- 12%, here we take 10% as an example.

Shenzhen industrial injury insurance has different payment standards in different industries.

Medical insurance is divided into three grades. Take the most common second grade as an example.

If the monthly salary is 1 10,000 before tax, the total social security paid by the company is 26.4 1%, totaling 264 1 yuan;

The individual contribution rate is 18.5%, totaling 1850 yuan.

At this time, friends may have opinions or banquets:

My pre-tax salary is 1000, but I only paid a few hundred yuan in social security. Not as high as you say.

This is because the social security payment ratio is not necessarily paid according to the actual salary, and each city has its own social security payment base.

The payment base comes from the average monthly salary of employees in this city in the previous year.

Generally speaking, the minimum payment base is 60% of the average salary of the previous year.

The maximum is 300% of the average monthly salary, and the payment base in Shenzhen this year is between 5585 and 27927.

For example, if the average monthly salary of employees in this city was 3,000 yuan last year, then the minimum payment base of shirt silver was 3,000× 60% =1.800 yuan.

The maximum payment base is 3000×300%=9000 yuan;

If your salary is 1500 yuan, then pay social security according to the minimum payment base 1800 yuan;

If your salary is 1 10,000, then pay social security according to the maximum payment base of 9000.

However, most companies pay according to the minimum standard. For example, in a company in Shenzhen, the pre-tax salary of employees is 1 0,000.

However, according to the minimum base of 5585 yuan, individuals only pay about 1000 a month.