Can individual industrial and commercial households pay five insurances and one gold?

Individual industrial and commercial households can pay five insurances and one gold.

The conditions for paying five insurances and one gold are as follows:

1. The enterprise is officially registered and has independent legal personality;

2. The enterprise meets the requirements of the industry category and the number of employees stipulated by the state;

3 enterprises pay social insurance and housing provident fund for employees, and the payment standard and proportion are in line with state regulations;

4. The enterprise shall purchase social insurance and housing accumulation fund for employees in accordance with the law, pay relevant funds regularly, and provide corresponding certification materials;

5. Enterprises shall handle social security cards, open payment accounts and other social insurance and housing accumulation fund related procedures for employees according to law.

The process of paying five insurances and one gold is as follows:

1. account opening: employees need to go to the local social security bureau or provident fund management center to open an account, and provide personal identification and related documents.

2. Pay social insurance premiums: Employees need to pay social insurance premiums to the Social Security Bureau according to their salary level.

3. Payment of housing provident fund: Employees need to pay housing provident fund to the provident fund management center in accordance with the prescribed proportion.

4. Tax declaration: employees need to declare the personal income tax of the previous year to the tax authorities from March/KLOC-0 to April 30 every year.

To sum up, different regions and industries may have slightly different regulations and requirements for five insurances and one gold. It is suggested to consult the relevant regulations and requirements in the place where the business license of the enterprise is registered or the local social security agency, and pay five insurances and one gold for employees according to law to protect their legitimate rights and interests.

Legal basis:

Article 12 of the Social Insurance Law of People's Republic of China (PRC)

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.