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1. 2% of the individual contributions for medical insurance are basic medical insurance, and the annual reimbursement ceiling is 654.38+10,000 yuan. If 3 yuan pays more money for critical illness insurance every month, the annual reimbursement limit is 300,000 yuan.

2. In the individual payment part of unemployment insurance, if it is an urban hukou, the payment ratio is 0.2%, and if it is a rural hukou, there is no need to pay.

Some people don't quite understand the upper and lower limits of the payment base. I want to explain here that the average monthly salary of Beijing employees in 20 14 years is 6463 yuan. If your monthly salary is less than 6463×40%=2585.2 yuan, the payment base of pension insurance and unemployment insurance is calculated at 2585.2 yuan. If your monthly salary is higher than 6463× 3 = 14.

Second, the housing accumulation fund.

According to the documents of Beijing Housing Provident Fund Management Committee, the housing provident fund contribution ratio was 12% in 20 15 (from July of 20 1 year to June 30th of 20 16).

In 20 15 years, the maximum monthly contribution of provident fund is 4,654 yuan, and the maximum monthly contribution of employees and units is 2,327 yuan. In other words, even if your monthly salary is 30,000 yuan, units and individuals can only pay 2,327 yuan at most.

20 15 the lower limit of the monthly deposit base of the provident fund is the Beijing minimum wage standard 1720 yuan, that is, if your monthly salary is 1500 yuan, the deposit base of the provident fund is 1720 yuan.

In addition, the lower limit for units to apply for reducing the deposit ratio of housing provident fund is not less than 8% in principle. That is to say, if the unit is not well managed and its profit declines, it can apply to reduce the contribution ratio of housing provident fund from 12% to 8%.

Three. individual income tax

From 20 11September1day, the threshold of personal income tax in China was adjusted to 3,500 yuan, with 7 levels of excessive progressive tax rate.

Taxable income = salary-five insurances and one gold -3500 yuan. For example, your salary last year was 6,543,800 yuan, and 3 yuan deducted 5 insurances, 1 gold and 2,223 yuan for critical illness insurance. After deducting the tax threshold of 3,500 yuan, the remaining 4,277 yuan is taxable income, and the corresponding tax series is level 2.

Individual tax = taxable income × tax rate-quick deduction

Still calculated according to the monthly salary 10000 yuan, the monthly tax paid is = 4277×10%-105 = 322.7 yuan.

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