How to calculate five insurances and one gold?

The calculation method of five insurances and one gold is as follows:

1, medical insurance: the unit pays 8% to 12% and the individual pays 2%;

As a part of social security, medical insurance is very important for workers. After employees buy medical insurance, they can not only use it in hospitals, but also buy medicines in their lives.

2. Endowment insurance: the unit pays 20% and the individual pays 8%;

The basic old-age insurance premium is paid jointly by enterprises and individual employees: enterprises pay 20% of the total average monthly salary of employees in the previous year (some provinces and cities slightly adjust), and individual employees pay 8% of the average monthly salary of employees in the previous year; Urban individual industrial and commercial households, flexible employees and laid-off workers from state-owned enterprises who participate in the basic old-age insurance in their personal capacity shall pay the basic old-age insurance premium at a rate of 20% based on the average social wage in the province where they are located, and all of them shall be borne by themselves.

3. Work injury insurance: the unit pays 0.3% to 2.5%, and the individual does not pay the work injury insurance premium;

The collection ratio of industrial injury insurance fund should be based on the types of industrial injury risks and the frequency of industrial accidents and occupational diseases in various industries, according to a certain proportion of the total wages of the employer, and the standard is 0.3% to 2.5% of the total wages.

4. Unemployment insurance: the unit pays 2%, and the individual pays1%;

Urban enterprises and institutions pay unemployment insurance premiums at 2% of total wages. Workers in urban enterprises and institutions pay unemployment insurance premiums at 0% of their wages. Farmers contract workers recruited by urban enterprises and institutions do not pay unemployment insurance premiums.

5. Maternity insurance: the unit pays 0.8%, and the individual does not pay maternity insurance premium;

Enterprises, self-supporting, enterprise-managed institutions, private non-enterprise units and individual economic organizations pay maternity insurance premiums according to the base of basic old-age insurance premiums paid by employees, and pay maternity insurance premiums according to the proportion of 0.8%.

6. Provident fund: General units and individuals each contribute 10% to 12%.

According to the housing price calculation formula: housing provident fund loan amount = housing price × loan ratio. If a second house is purchased with a loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price. Workers' family loans to buy third and above houses will suspend the issuance of personal housing provident fund loans.

legal ground

Social insurance law

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

essay

People's Republic of China (PRC) social insurance law

Tenth employees should participate in the basic old-age insurance, the basic old-age insurance premiums paid by the employer and employees.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.