Minimum standard of Shanghai provident fund

The minimum standard for five insurances and one gold in Shanghai is the minimum monthly fee for five insurances 1934.7 yuan.

The contribution base of the provident fund is 2480 yuan, with the minimum 5% for each employer and individual, and the minimum monthly provident fund fee is 248 yuan. In fact, even if you are insured according to the minimum standard of five insurances and one gold in Shanghai, you can enjoy the treatment of five insurances and one gold.

In that year, the base of individual contributions was determined according to the average wage income of employees in the previous year, and the upper and lower limits of individual contributions were determined according to 300% and 60% of the average monthly wage of employees in the city announced in the previous year. The value is calculated according to the average monthly salary of employees in the city, and according to the principle of rounding, it is advanced to the corner and then to the yuan.

Two, social security fees paid by units and individuals, the specific social security fee payment ratio is:

1, endowment insurance, units and individuals pay 20% and 8% respectively;

2, medical insurance, units and individuals pay 12%, 2% respectively;

3. Unemployment insurance, units and individuals pay 2% and 0% respectively;

4, maternity insurance units to pay 0.60%, individuals do not pay;

5, work-related injury insurance units pay 2%, individuals do not pay.

Provident fund loan conditions:

Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans;

Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than 6 months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans;

One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families;

When applying for housing provident fund loans, the loan applicant must have relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of housing provident fund loans. When employees have other debts, it is risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund;

The longest term of provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

What is the nature of provident fund?

(1) security, the establishment of employee housing provident fund system, which provides a guarantee for employees to solve housing problems faster and better;

(2) Mutual assistance, the establishment of housing provident fund system can effectively establish and form mechanisms and channels for employees with housing to help employees without housing, and housing provident fund can help employees without housing in terms of funds, which reflects the mutual assistance of employee housing provident fund;

(3) In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.

Legal basis:

According to Article 16 of the Regulations on the Management of Housing Provident Fund, the monthly contribution of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the contribution ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

The new employee starts to pay the housing provident fund from the second month after joining the work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.