Why do many enterprises only pay five insurances for employees but have no housing accumulation fund?

Recently, some netizens asked, why does his private enterprise only pay five insurances for employees and not pay housing provident fund? In this regard, social security experts said that it is more common for enterprises not to pay housing provident fund to employees. Black-hearted enterprises do not pay social security, ordinary enterprises pay five insurances, conscience enterprises pay five insurances and one gold, and top enterprises pay six insurances and two gold. However, the provident fund is equivalent to a part of the salary, which is very useful when buying a house, decorating or renting a house. It is recommended that enterprises pay.

Under normal circumstances, enterprises pay five insurances and one gold (including provident fund) as part of employee benefits, but some enterprises only pay five insurances (namely, endowment insurance, medical insurance, unemployment insurance, maternity insurance and work-related injury insurance) for employees.

), then why don't you want to pay the provident fund to your employees?

First, statutory and non-statutory. Paying five insurances for employees, that is, social insurance, is the legal obligation of the employer and cannot be exempted. Provident fund is not a legal obligation of the employer, and it is not mandatory. It can be paid or not. At present, the deposit ratio of provident fund can be as low as 5% and as high as 12%, and the deposit ratio can be determined between 5%- 12%. Since it can be paid or not, many units with average benefits will not pay.

Second, in order to save money, some units have to pay the five insurances, but when they encounter the provident fund, they feel that even if they pay it, the provident fund can only be used to buy a house. It is not easy to apply for provident fund in different places such as decoration and renting, and the expenses paid by the provident fund are not small. If an employee's salary is 6000 yuan, and the payment is made at 12%, then the enterprise has to pay 720 yuan every month. If the number of enterprises is small and the benefits are good, that's it, but if the number of enterprises is large and the benefits are not good, it is undoubtedly a heavy economic burden.

Third, the proportion of migrant workers in some enterprises is large, and the state is forced not to pay five insurances. But for many migrant workers, it is better to add the provident fund to their wages, because migrant workers are more mobile. After paying the provident fund in this city and then working in another city, the part of the provident fund paid by the original unit is equal to nothing. Therefore, the provident fund paid for working in first-and second-tier cities will not play any role in buying a house in third-and fourth-tier cities. Therefore, for migrant workers in enterprises, it is better to count this part of the money paid into the public welfare fund in their wages.

Therefore, we look at the situation of paying five insurances and one gold. If an enterprise pays five insurances and one gold to its employees in full, it is a conscience enterprise; If it only pays five insurances to employees and does not pay housing provident fund, it is an ordinary enterprise and does not pay any insurance, it is a black-hearted enterprise. Of course, some enterprises simply add all the money that needs to pay five insurances and one gold to their employees' salaries. On the surface, the monthly income of employees is quite good, but in fact, there is no guarantee behind employees, which is also a short-sighted behavior.

The best enterprise is to pay employees six insurances and two gold, that is, to add supplementary medical insurance and enterprise annuity on the basis of five insurances and one gold. Supplementary medical insurance is actually commercial medical insurance, that is, if your annual medical insurance premium does not reach the deductible line, you can also reimburse it; Enterprise annuity is a supplementary pension insurance voluntarily established by enterprises with good economic benefits, which is equivalent to the second pension for enterprise employees. But such a good welfare treatment is the backbone and management of middle and high-level business in private enterprises. Not everyone can enjoy a certain professional title and level in institutions.

Black-hearted enterprises do not pay social security, general enterprises pay five insurances, conscience enterprises pay five insurances and one gold, and top enterprises pay six insurances and two gold.

Hello, everyone, I am a social security expert. Why do many enterprises only pay five insurances for employees, but not housing accumulation fund?

The reason is very simple, that is, to reduce expenses, reduce labor costs and pursue more profits.

According to the provisions of laws and regulations, enterprises should also pay housing provident fund for employees, but in real life, many enterprises do not pay provident fund for employees, but only pay five insurances, namely endowment insurance, medical insurance, unemployment insurance, maternity insurance and work injury insurance.

At present, the deposit ratio of provident fund can be as low as 5% and as high as 12%, and the deposit ratio can be determined between 5%- 12%.

It can be seen that this is a lot of money. If the employee's salary is 6000 yuan, according to the payment base 12%, then the enterprise will pay 720 yuan every month.

So for many business owners, this money can be saved. This is a great loss for employees, because the housing provident fund is actually equivalent to compulsory savings, which is equivalent to a part of wages. It is very important when buying a house for decoration or renting a house.

Therefore, enterprises that pay employees five insurances and one gold in full are conscience enterprises, ordinary enterprises that only pay employees five insurances and do not pay housing provident fund, and enterprises that do not pay any insurance are black-hearted enterprises.

The best enterprise is to pay employees six insurances and two gold, that is, to add supplementary medical insurance and enterprise annuity on the basis of five insurances and one gold.

Supplementary medical insurance is actually commercial medical insurance, that is, if your annual medical insurance premium does not reach the deductible line, you can also reimburse it; Enterprise annuity is a supplementary pension insurance voluntarily established by enterprises with good economic benefits, which is equivalent to the second pension for enterprise employees.

Therefore, if you are in an enterprise with six insurances and two gold, then the welfare of this enterprise is very good, and you should be a very happy employee.

Viewpoint: Note that under the current policy, not all companies that only pay five insurances to employees but do not pay provident fund must be illegal! Why are some companies legal and others illegal?

First, social security is compulsory for employees with labor relations;

Article 58 of the Social Insurance Law: The employing unit shall, within 30 days from the date of establishing labor relations, apply to the social insurance agency for social insurance registration for its employees.

That is to say, no matter whether the two parties sign a labor contract or not, no matter whether the employee is registered in a town or agricultural registered permanent residence, as long as the company establishes a labor relationship with the employee, the employer will force him to pay social insurance in full and on time. It is illegal to pay social security only for employees with urban hukou, but not for employees in agricultural registered permanent residence!

However, if the company has a labor relationship with employees, or employees have non-labor relationships such as part-time employment, interns, co-insurance workers, and labor dispatch workers, the employer is not forced to pay social security for them.

Second, the provident fund is paid by the company for employees with urban hukou;

According to article 1 of Chapter I of the Regulations on the Management of Provident Funds: "This Regulation is formulated in order to strengthen the management of housing provident funds, safeguard the legitimate rights and interests of housing provident fund owners, promote urban housing construction and improve the living standards of urban residents."

That is to say, the current provident fund-related laws stipulate that housing provident fund is mandatory only for employees with urban hukou, but not for employees in agricultural registered permanent residence. The company voluntarily pays the provident fund for employees in agricultural registered permanent residence, even if the company does not pay for employees in agricultural registered permanent residence, it is not illegal.

But as long as the company pays the provident fund to employees in agricultural registered permanent residence, it must pay according to the compliance base! If agricultural registered permanent residence employees fail to pay in full according to the actual base, as long as they report to the housing provident fund management center where the company is located, they will still be held accountable for the company's failure to pay in full and pay the unpaid part to the employees in time.

3. What if the company does not force employees to pay five insurances and one gold?

The first ceremony; Because if we didn't communicate the payment of five insurances and one gold before joining the company, we found that the company didn't pay five insurances and one gold in time after joining the company. However, if you feel that paying five insurances and one gold is the legal obligation of the company, you may face the situation of being "exceeded" by the company, and may be seriously dismissed by the company.

So if you think the company is good or the work has development potential, you can explain to the personnel or the boss the harm of not paying five insurances and one gold to employees. If the company realizes the crisis, it will naturally pay you as soon as possible, and your job may still be saved, which can be described as the best of both worlds.

If you feel that the company and work are not ideal, you can choose the rear soldiers.

Rear soldiers; Although the company and work are not ideal, don't leave in anger. If you want to win your own legal five insurances and one gold, you must first collect materials that can prove labor relations (such as labor contracts, payroll, attendance sheets, work cards, employment notices, etc.). Before leaving the company, and report to the social security bureau, housing provident fund management center and other relevant departments where the company is located in the month of leaving the company, the social security bureau and the provident fund management center will order the company to pay back the unpaid five insurances and one gold in time.

Finally, write a summary:

When you join a new company, you find that the company has not paid five insurances and one gold in time. Don't be impatient. Do these three steps well and get it easily!

The first step is to exclude you from being employed for more than 30 days;

The second step is to determine the nature of your account and see whether it is compulsory for five insurances or five insurances and one gold;

The third step, the ceremony before the soldiers, can make the company pay five insurances and one gold while retaining its job, which is the best policy.

Because all enterprises must pay social security, it has been deeply rooted in the hearts of the people. Many workers are not sure whether the provident fund is a compulsory item. Enterprises just took advantage of this loophole and did not take the initiative to pay the housing provident fund.

According to the Regulations on Housing Provident Fund Management (13.14.15.20), all enterprises are required to pay housing provident fund.

Legal provisions should have the necessary meaning.

The law doesn't protect people who sleep on it. Employees can only use the law as a weapon to bravely defend their legitimate rights and interests!

The housing accumulation fund is not compulsory by the state, and the five insurances are compulsory, but many units do not pay even the compulsory five insurances. After all, five insurances and one gold a year is not a small expense.

Housing accumulation fund has become a special welfare for a specific group of people, which has caused new unfairness. Those who can enjoy the housing provident fund are mainly state-owned enterprises and financial support personnel, and many private enterprises may not pay them. Even some listed companies do not enjoy housing provident fund.

Taking Beijing as an example, the 20 15 annual report of Beijing housing provident fund also shows that in 20 15, Beijing issued 84.886 billion yuan of personal housing provident fund loans, involving housing 10 1367 sets. In other words, only 654.38+million people benefited from the mortgage, while the number of employees who actually paid the mortgage in Beijing reached 65 1.58 million, accounting for only about 654.38+0.5% of the employees who paid the mortgage that year. The proportion of people enjoying housing provident fund in Beijing is so low, not to mention other places.

According to the Guiding Opinions on Several Specific Issues of Housing Provident Fund Management, the deposit ratio of units and employees shall not be less than 5%, and in principle shall not be higher than 12%. If the proportion of unit housing provident fund deposit is increased to issue employee housing subsidies, it shall be indicated in the personal account.

The problem now is that the housing accumulation fund paid by some units is higher than the salary of some units, which is a huge inequality. Even if the monthly salary is 3,000 yuan, according to the proportion of 5% for the unit and 5% for the individual, you need to pay the housing accumulation fund according to the proportion of 300 yuan, and the individual and the unit should each pay 150 yuan. If you continue to deduct five insurances, the wages of many units will be lower than the local minimum wage. This is a trivial matter. The key is that every employee has to pay a large sum of money to pay the housing provident fund every month, and many units can't afford this much more than a large sum of money.

I think that since it is a system or universal, everyone will be forced to pay, or simply cancel, and everyone will not pay, which reflects the fairness of the law, and some will not enjoy it.

Civil servants, institutions and large and medium-sized state-owned enterprises who can enjoy the housing provident fund have their own ways of building houses, such as civil servants' dormitories and teachers' houses. On the one hand, they have housing concessions, on the other hand, they enjoy housing provident fund, which is equivalent to double welfare, while many employees in units have neither housing concessions nor housing provident fund.

This question is relatively simple. Let me answer:

First, statutory and non-statutory. Paying five insurances for employees, that is, social insurance, is the legal obligation of the employer and cannot be exempted. Provident fund is not a legal obligation of the employer, and it is not mandatory. It can be paid or not.

Second, savings and welfare. Employers are willing to pay provident fund for employees, generally considering the long-term development of enterprises, which is a kind of welfare for employees. Unwilling to pay the provident fund for employees is based on the cost of the enterprise.

Hello, landlord, why do many enterprises only pay five insurances for employees, but there is no housing provident fund? The main reason for this problem is that the labor contract law clearly stipulates that five insurances are legal responsibilities and obligations, but it does not stipulate that housing provident fund is also legal responsibilities and obligations, so it is normal for many enterprises not to pay housing provident fund.

For enterprises that do not pay housing provident fund, most of them come from private enterprises, small and medium-sized enterprises and entrepreneurial small and micro enterprises. Because this kind of enterprise, its business model is relatively small and its profit space is extremely limited, so for this kind of enterprise, in order to reduce its own labor cost, he chose not to pay the housing provident fund to employees.

But if you go to a large group company, or some state-owned enterprises or large state-owned enterprises directly under the central government, there will generally be a housing provident fund. The advantages of housing provident fund and no housing provident fund mainly lie in buying a house. If you buy a house through a housing provident fund loan, the loan interest rate is relatively low, which will also help ease your economic pressure.

Thanks for reading, please add my attention.

There is only one reason for paying five insurances without paying the provident fund, which saves the cost of enterprises.

The Regulations on the Management of Housing Provident Fund is a law formulated by the State Council to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of housing provident fund owners, promote urban housing construction and improve the living standards of urban residents, and is applicable to the deposit, withdrawal, use, management and supervision of housing provident fund in China.

Among them, article 13-20 clearly stipulates that employees of enterprises should pay housing provident fund, but in fact, many employees of enterprises still pay housing provident fund. Don't pay the five risks, just go to the labor inspection brigade, report one and investigate one. So now big cities don't pay five risks, in fact, there are not many cases. Of course, some labor-intensive enterprises are still doing this illegal act in the form of labor dispatch.

However, there is no clear department to investigate and deal with the behavior of not paying the provident fund. The provident fund management department in most places is the XX housing provident fund management center, which is itself a public institution and does not have the ability to enforce the law. This has also caused one of the reasons why enterprises have not paid the provident fund, but they have not been investigated.

The deposit ratio varies from place to place. Based on the deposit ratio of 12% and the deposit base of 5,000 yuan, an enterprise has to pay 600 yuan for one employee every month, totaling 7,200 yuan for the whole year. Assuming that the enterprise has 100 employees, the annual expenditure of the provident fund alone will reach 720,000 yuan. If the income of large enterprises is good, for small and micro enterprises, 720 thousand is.

As we all know, the salary of public officials is very high. In fact, the provident fund is a relatively large part of their income. Take an ordinary clerk with an annual income of about 200,000 yuan as an example. If he pays more than 3,000 yuan, after the unit pays more than 3,000 yuan every year, the provident fund accounts for one-third of the total income, and there are 7,788 allowances and assessment rewards. The post salary is actually very low, basically only 4-5 K.

To sum up, there is only one reason not to pay the provident fund for paying the five insurances, which saves the cost of the enterprise. The situation of small and micro enterprises is particularly prominent.

Five risks are compulsory for the country, but not for the provident fund country. The provident fund requires individuals to pay a part for the enterprise, so some enterprises do not pay the provident fund for their employees in order to reduce expenses.

Why do many enterprises only pay five insurances for employees instead of one gold?

To put it bluntly, the reason is actually very simple, that is, to reduce expenses, reduce labor costs and pursue more profits. Black-hearted enterprises do not pay social security, general enterprises pay five insurances, and conscience enterprises pay five insurances and one gold. It's a fact!

Under normal circumstances, only state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations pay one gold, which is impossible for ordinary private enterprises. Think about it carefully and you will know why.

Although the state requires employees to pay five insurances, there are still some "dirty" enterprises that do not buy five insurances for employees, and even require employees to write an application for not buying five insurances voluntarily. Don't believe it, there were countless such enterprises in coastal areas in the past few years, because paying five insurances for employees is not a small expense for enterprises, and businessmen are pursuing the maximization of surplus value, so for employees, only those who can buy five insurances can be considered as good enterprises.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations (hereinafter referred to as units) and their employees, which is the monetization of housing distribution. The company's failure to pay the housing provident fund does not violate the labor law, and violates the provisions of the Regulations on the Management of Housing Provident Fund in the State Council, and the housing provident fund expenditure is also a large sum. For enterprises, the state has no mandatory requirement to buy, so they can not buy. The company's failure to pay housing provident fund does not violate the labor law.