If mainlanders want to retire in Shanghai, the necessary condition is to pay social endowment insurance in Shanghai, and the minimum payment period in Shanghai can reach 10 years and above. Together with the years of payment in other places, the accumulated pension insurance in Shanghai can reach 15 years or more, or the accumulated pension insurance relationship in Shanghai can reach 15 years.
There are so many standards for mainlanders to pay endowment insurance in Shanghai. First, students are employed in Shanghai, and the employing company in Shanghai pays endowment insurance for themselves; Second, if you have a Shanghai hukou, you can also pay the old-age insurance in Shanghai as a freelancer at the location of your hukou; Third, foreign household registration, Shanghai industrial and commercial license, Shanghai residence permit. Generally speaking, freelancers who are not registered in Shanghai can't pay endowment insurance in Shanghai even if they have reasonable legal income or flexible employment in Shanghai.
If the old-age insurance paid in Shanghai belongs to the old-age insurance paid by enterprises, you can't get it in one lump sum until you reach the statutory retirement age. Actually, you can get it back at one time. Social endowment insurance is not savings. If the deposit belongs to the deposit term, you only need to save enough for the corresponding deposit term, and the principal and interest can be taken back in one lump sum.
Pension service is a social security system. Only when I have reached the legal retirement age, but the payment period of the old-age service insurance has not expired 15, and I am unwilling to pay again or transfer to the resident old-age insurance, I can get back the principal and interest of my personal account in one lump sum upon my written application. However, part of the enterprise payment belongs to the overall account, not personal money, and this part of the money is difficult to get back.
If you have paid in Shanghai for 15 years, although you have left Shanghai before reaching the statutory retirement age, it will not affect your retirement in Shanghai when you reach the statutory retirement age, and you can receive pension insurance on a monthly basis when you retire; If you reach the legal retirement age and don't want to retire in Shanghai, the rule is to get your money back at one time and pay for it yourself. In addition to explaining the relevant policies to you carefully, you should also have a written statement that only by giving up retirement in Shanghai can you refund the interest on your personal account. Of course, this model is not easy for ordinary people to do. Who has met the requirements for applying for retirement in Shanghai and still needs to give up the great opportunity to retire in Shanghai?
Generally speaking, the pension of 15 years has been paid in Shanghai and cannot be paid in one lump sum before reaching the statutory retirement age; If you can retire in Shanghai at the legal retirement age, you don't need to receive Shanghai's pension insurance every month. If you want to get it at one time, you can only get a part from individuals, and it is difficult for enterprises to pay a part, so you have to consider the loss carefully, otherwise your legitimate rights and interests will be damaged in the end.