I paid Shanghai social security for five years, but now I don't pay it. Can I withdraw some money I paid?

If you reach retirement age, you haven't paid the pension insurance 15 years, and you don't intend to extend the payment, then you can only get the money paid by the individual in your personal account at one time, and the money paid by the unit in your overall account is gone.

Although the consequences of medical insurance and old-age insurance are not so serious, for some people, it is still necessary to pay attention to the risk of "clearing" the qualifications for buying houses, auction cards and priority settlement due to social security payment.

In terms of buying a house, once the social security relationship is interrupted, some people's previous qualifications for buying a house may be "cleared". According to Shanghai regulations, non-Shanghai registered house buyers must meet one condition: they have paid personal income tax or social security for five years or more since the date of purchase. Social security payment means that the accumulated eligibility for house purchase needs to be recalculated.

In terms of settlement, social security payment will be cut off, and the "priority settlement" qualification of transfer households will also be "cleared". According to the regulations: those who apply for permanent residence in Shanghai with the "Shanghai Residence Permit" must participate in Shanghai urban social insurance for 7 years; If the base of paying urban social insurance in Shanghai for the last three consecutive years is more than twice the average salary of employees in Shanghai last year, priority can be given to applying for permanent residence in Shanghai.

Extended data:

Calculation standard of social insurance premium

Social insurance must give the total payment estimated according to the payment standard in advance according to the probability of various risk accidents, and seek a certain proportion of the insured's burden as the standard for formulating insurance rates. In addition, unlike commercial insurance, the calculation of social insurance rate needs to consider more social and economic factors besides risk factors in order to obtain a fair and reasonable rate.

Measures for the collection of social insurance premiums

1, proportional charging system

In this way, a certain proportion of the insured's wage income is accurately stipulated, so as to collect insurance premiums. Using the proportional system, the original main purpose of social insurance is to compensate the insured for the loss of income in risk accidents, so as to maintain their minimum living, because this inevitably means that their usual income depends on making a living, which is the standard for measuring payment on the one hand and the basis for premium calculation on the other.

The biggest drawback of the proportion of work-based insurance premiums is that the burden of social insurance is directly related to wages, whether the employer bears social insurance premiums or the employees bear social insurance premiums. The burden of social insurance is manifested in the increase of labor costs, which will lead to capital labor and increase the unemployment rate.

2. Equal charging system

That is, regardless of the income of the insured or his employer, the insurance premium of the same amount is uniformly charged. The advantages of this system are simple calculation and easy implementation. In countries that collect insurance premiums in this way, the payment system is generally equivalent, that is, income and expenditure are equal. But the disadvantage is that the premiums paid by low-income people and high-income people are the same, and the ability to pay is obviously different.