How to calculate the social security accumulation fund in the park

The so-called park provident fund system is the only pilot provident fund scheme in China, drawing on the Singapore model. It is different from the simple housing accumulation fund system. The provident fund system is a membership system, which is divided into three categories: A, B and C. Category A includes five social insurances (pension, medical care, work injury, maternity and unemployment) and housing provident fund. Category B contains only five risks; Class C is aimed at migrant workers from other places, with only work-related injuries and medical insurance. In the proportion of payment, the provident fund is paid 50/50, that is, the company and the individual are 50/50 each. Take Class A as an example, the total rate is 44%, 22% each. Social insurance is the main part of the company's commitment. Take the limited company as an example, the total rate is 43.5%, the company bears 32.5%, and the individual bears 1 1%+5 yuan. Therefore, in terms of payment, if the company chooses to participate in the provident fund plan instead of the social security plan, it will greatly save costs; Employees pay less social security than provident fund. As far as the five risks are concerned, the five risks of provident fund and social security are basically the same, and both of them can enjoy treatment according to regulations. But social security is simple hardware. If you want to pay the housing provident fund, you have to go to the urban housing provident fund management center alone, and the enterprise unit is 8%- 12%. In this way, employees only need to pay 22% of the provident fund, and the social security+housing provident fund is 2 1% (housing is 10%), which is almost enough. However, the unit pays more, with 22% of provident fund, 42.5% of social security and housing (housing is 10%). So, why did your company choose to participate in the park provident fund plan instead of urban social security? In addition, the most important thing is to pay the housing provident fund in the urban area, and you can buy a house in Suzhou when you buy a house; If you participate in the Class A provident fund in the park, you can only use it to buy houses in the park, but you can use about 90% of the total amount of the five insurances and housing provident fund in the provident fund, so it is very cost-effective, which also reflects the slogan advocated by Singapore: "Home ownership". For example, your salary is 5000 yuan. If you are in the urban area, you will pay 500 yuan housing for one month, and the company will pay 500 yuan for you. There is a savings of 12000 a year. If you buy a house, you can only use this 12000. If you pay the park provident fund, you will pay 1 100 a month, and the company will pay 1 100, so your annual savings will be 26,400. If you buy a house, you can use 26400*90%=23760 yuan, so which one is better? This also explains why the housing price in the park is a little higher than the average price in the urban area. I hope these answers can help you

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