Changsha Five Insurance and One Gold Payment Standard

The proportion of individual contributions for five insurances and one gold in Changsha in 2020, the base of social security contributions in Changsha in 2020, the minimum payment standard of social insurance in Changsha in 2020, and the proportion of social security companies and individuals in Changsha.

The payment ratio and base of five insurances and one gold in Changsha

Endowment insurance: 20% for units and 8% for individuals.

Medical insurance: 8% for units and 2% for individuals.

Unemployment insurance: unit, 2%, individual, 1%.

Maternity insurance: unit, 0.7%, individuals do not have to pay.

Work-related injury insurance: unit, 0.5%, individuals do not have to pay.

Housing accumulation fund: Changsha raised the minimum deposit ratio of housing accumulation fund from 5% to 8%. After the adjustment, the deposit ratio of housing provident fund in the whole city will be unified from 8% to 12%. According to the calculation of relevant professionals, based on the monthly wage income of employees of 3,500 yuan, in the past, if the housing provident fund was deposited at the interest rate of 5% and deposited in 350 yuan every month, the maximum loan amount applied for for housing provident fund was 252,000 yuan. When the deposit ratio is increased from 5% to 8%, the monthly deposit amount of housing provident fund will be increased to 560 yuan, and the maximum loan amount of housing provident fund will be increased to 403,200 yuan.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 4 Employers and individuals in People's Republic of China (PRC) shall pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Seventy-fourth social insurance agencies through business handling, statistics, investigation and other means to obtain the data needed for social insurance work, the relevant units and individuals should provide timely and truthful.

The social insurance agency shall establish a file for the employer in a timely manner, completely and accurately record the social insurance data such as personnel's participation in social insurance and payment, and properly keep the original vouchers for registration and declaration and accounting vouchers for payment and settlement.

The social insurance agency shall timely, completely and accurately record the individual's personal rights and interests such as social insurance payment, employer's payment and social insurance benefits, and regularly send the personal rights and interests records to me free of charge.

Employers and individuals can inquire and check the records of payment and social insurance benefits from social insurance agencies free of charge, and ask social insurance agencies to provide social insurance consultation and other related services.