Is it better to buy social security with a high base or a low base?

First, whether the social security payment base is high or low depends on different aspects:

1, salary

The monthly salary is relatively high, and the social security payment base is actually better. In addition to more rights and interests in the future, it is actually very cost-effective to pay more social security fees and pay less taxes. The monthly salary is relatively low, and it is more cost-effective to pay less social security fees. After all, the quality of life should be guaranteed.

2, from the provident fund.

If you buy a house with a provident fund loan, it will be better to have a high social security payment base, because the provident fund paid every month can hedge the loan, and the rest needs to be paid by yourself. Therefore, the social security payment base is higher and the monthly provident fund is higher, so the actual salary is similar.

Therefore, whether the social security payment is more or less, everyone's situation is different, but now there are many people who buy houses with loans, and the provident fund can also be used to rent houses. Actually, I think it's better to have a higher social security payment base.

Second, the reduction of social security payment base has an impact on our income and pension. Because the base of social security payment is my average monthly salary last year, many enterprises pay social security according to the lower limit, which is 60% of the local average salary. However, the approval of this lower limit is based on the average wage of employees in non-private units, and there is no private unit. If so, the lower limit of social security contributions will increase with the increase of non-private wages, so many people will pay a lot and their income will decrease. After that, the approval of the lower limit of social security contributions will change, which will increase income for both enterprises and individuals.