Is it too much to open a small company to pay social security in order to meet the purchase restriction conditions?

Is it worthwhile for affiliated units to pay social security? I'm not convinced that it's cost-effective. The key is to see from what angle we think. Today, from the perspective of buying a house and settling down, I will analyze with you whether it is worthwhile for affiliated units to pay social security.

Since the end of 20 16, house prices in major cities across the country have skyrocketed. In order to curb this trend, various regions have successively issued purchase restriction orders. The content is almost the same, basically limited by whether to work in the local area and pay social security years. For example, in Wuhan, non-Wuhan household registration personnel need to have a continuous social security payment record for the first two years from the date of purchase.

Overnight, those friends who neglected social security regretted it, and some people who even paid the down payment on their houses almost collapsed because of social security problems. I am really anxious to see that house prices are rising every day, but even if I have money, I can't buy them.

Let's analyze, according to the current housing price standard, it is normal to increase 1 000 yuan per square meter every year. If we are going to start a house of about 90 square meters, the price increase alone will cost 90,000 yuan per year, and if we pay social security by ourselves every month according to the current standards, it will cost 4,800 yuan a year, which can be said to be very cheap compared with the house price. Let's take a look at the current social security payment form in Wuhan:

According to the current minimum payment standard of social security in Wuhan, our monthly expenditure is more than 300 yuan. Even with the part paid by the company, our annual expenditure is about 15000, which is already very cheap for the rising rate of house prices.

Therefore, after reading this article, friends should never ignore their social security problems. Many friends may say that paying social security is a "pit", and all the social security paid is turned over to the state. If you don't live, you may not get a pension.

Bian Xiao would like to say here that it is thoughtless for a friend to have such an idea. First of all, paying social security has a wide range of uses. Social security protects our rights and interests such as pension, medical care, maternity, work injury and unemployment, but we ordinary people don't understand. Secondly, paying social security will have many derivative benefits, such as buying a house and settling down (have you ever thought about the value of an account? ) and buying a car, should we also consider the derivative income of social security from other aspects?

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.