How to calculate five insurances and one gold in Shanghai?

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20 14 Shanghai five insurance and one gold payment base and payment ratio

Five insurances and one gold = social security+housing accumulation fund

Note: Social security includes endowment insurance, medical insurance, unemployment insurance, maternity insurance and industrial injury insurance.

1, 20 14 Shanghai social security payment standard

Pension insurance unit payment ratio: 21%; Individual contribution ratio: 8%

Payment ratio of medical insurance unit:11%; Individual contribution ratio: 2%

Payment ratio of unemployment insurance unit:1.5%; Individual contribution ratio: 0.5%

Payment ratio of maternity insurance unit:1%; Individuals do not bear the payment.

Payment ratio of industrial injury insurance unit: 0.5%; Individuals do not bear the payment.

20 14 what is the social security payment base in Shanghai?

According to the latest news released by Shanghai Human Resources and Social Security Bureau, the social security payment base from April 2005 1, 2065438 to March 3 1 and 20 1 was 15 108 yuan at the highest (three times the average monthly salary of employees in this city last year)

Note: The upper limit of the individual contribution base of employees in a unit is 15 108 yuan, and the lower limit is 3022 yuan. The unit payment base is determined by the sum of individual monthly payment bases in the unit.

2, 20 13 Shanghai housing provident fund deposit base and deposit ratio.

(1) Housing accumulation fund deposit ratio

In 20 13 years, the proportion of individual and unit housing provident fund and supplementary housing provident fund is the same as that in 20 12 years. That is, the housing provident fund deposit ratio is still 7% each; The proportion of supplementary housing provident fund deposit is still 1% to 8% respectively, and the specific proportion is determined by each unit according to the actual situation.

Units that have real difficulties in depositing housing provident fund may apply for reducing the deposit ratio (the deposit ratio of employees and units shall not be lower than the specified minimum deposit ratio, taking a positive integer) or holdover housing provident fund, and then increase the deposit ratio or repay the holdover amount after the economic benefit of the unit improves.

(2) Housing provident fund deposit base

Since July of 20 13, 1 year, the deposit base of housing provident fund for employees in this city has been adjusted from the average monthly salary of 20 1 1 to the average monthly salary of 20 12. Employees who join the work after 20 13 10 shall take the monthly salary of employees in the second month or the average monthly salary actually paid since joining the work as the deposit base of housing provident fund. For the newly transferred employees on June 3rd, 2065438+June 10th, 65438, the monthly paid salary after transfer or the actual paid monthly average salary shall be taken as the deposit base of their housing provident fund.

(3) the upper and lower limits of the monthly deposit of housing provident fund.

In 20 13 years, the upper limit of the monthly contribution of housing provident fund is 1970 yuan, and the upper limit of the monthly contribution of urban individual industrial and commercial households and their employees and freelancers is 3378 yuan. In 20 13 years, according to the contribution ratio of 7% of employees and 7% of units, the lower limit of monthly contribution of housing provident fund is 204 yuan. The lower limit of the monthly deposit of housing provident fund for urban individual industrial and commercial households and their employees and freelancers shall be implemented with reference to this standard.

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