Financial Tips No.5

five social insurance and one housing fund

The secret you must know.

Many new employees often have questions. Clearly a good salary is 10K, why not 10K? In fact, the small money inside is the "five insurances and one gold" paid by your company.

Then what is five insurances and one gold? What is included? Five insurances and one gold refer to several kinds of security benefits provided by employers, including pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

On March 23, 20 16, the state proposed to merge maternity insurance with basic medical insurance. This means that with the merger of maternity insurance and basic medical insurance in the future, the familiar "five insurances and one gold" will become "four insurances and one gold".

Five insurances and one gold are the protection given to you by the employer, including:

Endowment insurance? Medical insurance? Unemployment insurance? Industrial injury insurance? maternity insurance

Five kinds of social insurance, referred to as five risks, commonly known as social security.

and

housing accumulation fund

Social security and housing accumulation fund are collectively referred to as five insurances and one fund.

Payment ratio of five insurances and one gold:?

Pension insurance unit: 20%? Individual: 8%

Unemployment insurance unit: 2%? Individual: 1%

Medical insurance unit: 5-8%? Personal: 2%

Work injury insurance unit: 0.5-2%? Personal: No payment.

Housing accumulation fund unit: 5- 12%? Individual: 5- 12%

The specific local conditions shall prevail.

For example:

Yue Ming Jr.' s salary is 10000 yuan, so his monthly expenses for five insurances and one gold are:

Individuals should pay:

10000 * 8%+10000 *1%+10000 * 2%+10000 *12% = 2200 yuan.

The unit shall pay:

10000 * 20%+10000 * 2%+10000 * 8%+10000 * 2%+10000 *

Xiaomingyue's salary is 1 10,000 yuan, after deducting five insurances and one gold, it is 7,800 yuan per month (excluding tax).

What is the actual cost for the company to hire Xiaoming?

10000+3400= 13400 yuan, so don't choose not to pay five insurances and one gold just to deduct less money for yourself. In fact, the company wants you not to pay it, which will save money.

PS: It is the enterprise's obligation to pay five insurances and one gold. If an enterprise fails to pay social security for its employees in full and on time, it will be charged a late fee of five ten thousandths, or even a fine of more than three times the unpaid amount 1 times; Those who fail to pay the provident fund within the time limit will be fined 1 1,000 yuan to 50,000 yuan.

If the company does not pay, employees should take up legal weapons to protect themselves.