One gold: housing accumulation fund.
(1) About the three major risks:
Suppose your social security base is 2000, which is explained by the contribution ratio in Beijing.
1, endowment insurance
The individual contribution rate is 8%, and the company contribution rate is 20%, in which the monthly deposit of individual account =(8%+3%)*2000=220 yuan.
The remaining 17% paid by the company is used as the social pooling fund. Before you meet the conditions for receiving a pension, it can be temporarily understood that the overall fund has been distributed to the elderly now.
Pension conditions:
Men over 60 years old; Women over 50 years old
Worked before July and paid social insurance 1, 1998, and the payment period has accumulated to 10 years.
After 1 June 65438+July1,he joined the work and paid social insurance, and the accumulated payment period exceeded 15.
Special attention: "Cumulative", if the company you have been to fails to pay you half, your insurance will be cut off, so what you paid before will not be counted, and you can only use it if you pay it again until the cumulative year 15. If you resign one day, you should also let the local talent center pay for it by itself, ensuring a total of 15 years.
Number of pensions received
I think this is also your biggest concern, for example.
Male employee, currently 25 years old. He joined social insurance in 2000 and retired at the age of 60.
Suppose that in 2035, employees have paid social security for 35 years, and the payment base is 2000 yuan; During the period, the company * * * paid168,000 yuan, and the individual * * * paid 67,200 yuan; Personal account is 92400 yuan.
In 2004, the average monthly salary of employees nationwide was 1022 yuan; Suppose that the average monthly salary of employees in 2030 is 5000 yuan.
The employee's monthly pension is ①+②= 1770 yuan.
① Basic pension: 5000 yuan ×20%= 1000 yuan.
② Personal account pension: 924,000120 = 770 yuan.
This example is applicable to people who joined the work after 1 July 19981. You can refer to this example to work out your own figures.
2. Medical insurance
Personal part: 2%+3 yuan; Company part: 10%
Personal account (that is, your medical passbook) monthly: (2%+0.8%)*2000=56 yuan.
The rest is the overall fund, which is handed over to the society and distributed by the state.
Enjoy medical insurance protection:
Medical expenses incurred in other provinces and cities cannot enjoy medical insurance.
Employees who joined the work before April 20065438 1 and retired after March 3, 20065438 1 must have paid the basic medical service for 25 years for men and 20 years for women (including the continuous service stipulated by the state and the actual pension insurance service before April 200654381).
The insured after March 3, 20061day shall be calculated according to the actual payment. If the retirement period is less than the prescribed period, the balance of personal account will be returned to me, but I will not enjoy basic medical treatment.
3. Unemployment insurance
0.5% of individual contributions; Company pays 1.5%.
No matter the personal part or the company part, it is not included in the personal account and turned over to the state.
Pay special attention to migrant workers not paying unemployment insurance.
Get unemployment insurance: you should be more concerned about this, but after reading the introduction, it is estimated that your heart is full. ......
Continuous payment 1 year but less than 2 years, receive unemployment benefits for 3 months.
Those who have paid for more than 2 years and less than 3 years continuously will receive unemployment benefits for 6 months.
Pay for more than 3 years and less than 4 years, and receive unemployment benefits for 9 months.
Pay for more than 4 years and less than 5 years continuously, and receive unemployment benefits 12 months.
If the payment has been made continuously for more than 5 years, the unemployment benefit will be paid to 1 month every full year, but the longest period will not exceed 24 months.
If the unemployed are unemployed again after receiving unemployment benefits, the payment time will be recalculated!
Special note: at present, the aid is very small, only a few hundred dollars a month. According to the above years, you can get 24 months at the longest, and you must ensure that you pay unemployment insurance for more than 5 years. A series of procedures such as applying for unemployment benefits are not enough! So try not to lose your job.
Number of unemployment insurance payments
If the accumulated payment time is less than 5 years, the monthly payment standard of unemployment insurance is 382 yuan;
If the accumulated payment time is less than 5 years 10 year, the monthly payment standard of unemployment insurance is 409 yuan;
If the accumulated payment time is over 10 years and less than 15 years, the monthly payment standard of unemployment insurance is 436 yuan;
If the accumulated payment time is over 15 but less than 20 years, the monthly payment standard of unemployment insurance is 463 yuan;
If the accumulated payment time is over 20 years, the monthly payment standard of unemployment insurance is 49 1 yuan.
(2) What is the housing accumulation fund?
Employee housing provident fund is a mandatory and compulsory personal long-term housing savings fund. Individual employees withhold wages according to a certain proportion every month, and the unit takes out the same amount every month, and the two figures are added and deposited in the employee's personal account. This savings fund belongs to individual employees.
The establishment of employee housing provident fund is to solve the problems of employee housing construction investment fund and individual employees buying houses, building houses and paying new rents. However, this part of the housing provident fund cannot cover the housing rent and may not be listed and circulated. If there is a balance, it can be deposited in the housing reform financial institutions, and it can be used as the employee's individual housing provident fund, and the unit may not use it for other purposes.
If the employee's housing has been solved, when he retires, he can take out the principal and interest together and return it to the retired employee.
Urban housing provident fund is a special fund used by the municipal (county) government to solve the housing problems of employees of administrative institutions and low-and middle-income residents. The urban housing fund is raised by the funds currently used by the finance at the same level for housing construction, maintenance, management and subsidies, the local adjustment tax on the investment direction of housing fixed assets, the property tax, the transfer fee of land use rights, and the housing recovery funds from the sale of state-owned assets.
The establishment of employee housing provident fund is a measure to promote the reform of housing system in China, aiming at solving the housing difficulties of employees, which is shared by the state, the collective and the individual. According to the regulations, all employees who have paid the provident fund have the right to enjoy such loans and can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.
The role of establishing employee housing provident fund;
1: Raise housing funds;
2. Improve the ability of employees to buy houses and build houses;
3. Change the housing welfare distribution system to housing monetization distribution.
Housing accumulation fund is a compulsory housing savings. It is a personal housing consumption fund established in the form of "personal storage and unit subsidy" according to national policies, which is specially used for individuals to pay housing expenses.
What is the housing accumulation fund provided by the employer?
The unit housing accumulation fund is a special fund set up to solve the housing problem of employees and change the housing mechanism. Through the establishment of housing fund provided by employers, the funds used by enterprises for housing and production are separated, so that the source and use of housing fund are rationalized, standardized and fixed, which lays the foundation for realizing the transformation from the distribution of housing benefits in kind to the distribution of monetary wages based on distribution according to work. The establishment of housing fund should be based on the transfer of original funds, that is, according to the national housing reform policy and relevant financial regulations, the existing funds of the approved units should be used for housing construction, modern management and subsidies, and the reference account of housing fund should be established according to the corresponding scale. The housing provident fund provided by the employer is mainly used to subsidize employees to establish housing provident fund, pay the purchase, maintenance and management expenses of rented housing, the difference between the price paid by individuals when selling housing and the housing cost, and pay rent subsidies to employees who have difficulties in living after raising rents.
What is the use of housing provident fund?
Before retirement, your housing provident fund can be used to: buy, build, maintain and repair your own house; Repay the loan for one's own house; Pay my share of the rent that exceeds 5% of my salary; When you retire, you can settle all the balance of the housing provident fund in one lump sum.
Who will pay the housing provident fund?
Housing accumulation fund is a kind of compulsory long-term savings, which is paid by employees and their units. Individual employees pay a certain percentage of their wages to the provident fund on a monthly basis; The unit also provides a provident fund that accounts for a certain proportion of employees' wages every month. Both of them are owned by employees, and are paid when wages are paid and deposited into employees' personal provident fund accounts.
Why should the delivery price be calculated at 80% of the discounted value of the housing provident fund?
As a fund for housing consumption, housing accumulation fund should be used not only for buying houses and building houses, but also for paying housing maintenance costs. In order not to increase the economic burden of the employees who buy houses, when calculating the house price, the discounted value of the employee housing provident fund funded by the unit will be 20%, which is to reserve a part of the maintenance expenses for the employees who buy houses.
Under what circumstances can the principal and interest of the housing provident fund be settled in one lump sum and returned to the individual?
When an employee retires, the accumulated principal and interest of the provident fund will be settled in one lump sum and returned to the employee himself.
In addition, if an employee dies while in office, the principal and interest of the remaining provident fund can be extracted by his successor or legatee according to the inheritance law.
How much housing accumulation fund can I enjoy?
According to the regulations, the unit where individual employees work should pay the housing provident fund according to the individual salary and 5% of the total wages of employees. The payment rate may be adjusted appropriately in the future. The proportion of housing accumulation fund paid by foreign-invested enterprises and their Chinese employees shall be determined by the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government.
The loan amount is related to the balance of the provident fund deposit. The maximum loan amount is 6,543,800 yuan, which does not exceed 70% of the house price.
Calculation of loan amount:
Loan amount = (the sum of the monthly salary base of housing provident fund calculated by the borrower, his spouse and the personnel involved in calculating the loan amount) ×35%× 12 months× loan period.
Repayment period of provident fund 1-30 years.
What is the use of housing provident fund?
The housing accumulation fund can be used for: (1) purchasing, building and repairing large and medium-sized self-owned houses; (2) Repaying the housing loan for myself; (3) Pay my share of the rent that exceeds 5% of my salary; (4) When you retire, you can settle all the principal balance of the housing provident fund in one lump sum.
According to what you said, are you self-employed or unemployed?
According to the relevant laws and regulations of national labor and social security.
Individuals can only buy basic old-age insurance and basic medical insurance, and unemployment insurance is only applicable to on-the-job employees.
To purchase old-age insurance and medical insurance, you need to provide a copy of your personal ID card, personal files, (unemployment certificate, re-employment concession certificate, certificate of termination of labor contract-limited to laid-off workers) and other relevant materials (due to regional differences).
Determination of payment base: (endowment insurance and medical insurance are the same)
With 100% or 300% of the average social wage in the previous year as the base, you can choose a gear by yourself.
Determination of payment ratio:
Due to local differences, my old-age insurance is determined by 20%, and my medical insurance is determined by 12%.
Example assessment:
If the average social wage in the last year was 2000 yuan, and the payment was made at the rate of 1.000%, 8% (endowment insurance) and 4% (medical insurance) were credited to personal accounts, the annual fees payable and the amount credited to personal accounts were respectively:
Basic old-age insurance = 2000× 20 %× 12 (month) = 4800 (yuan)
The amount credited to personal account = 2000× 8 %× 12 (month) = 1920 (yuan), and another 2880 yuan is put into the overall fund.
The basic medical insurance premium = 2000× 12 %× 12 (month) = 2880 (yuan)
The amount credited to personal account = 2000× 4 %× 12 (month) = 960 (yuan), and 1920 yuan was put into the overall fund.
Place of payment: social security center and medical insurance center under the local labor and social security bureau.
The State Council's "Decision on Improving the Basic Old-age Insurance System for Enterprise Employees" (Guo Fa [2005] No.38) stipulates that you can enjoy pension benefits if you continue to pay the old-age insurance 15 years.
References:
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.