legal subjectivity:

1. What is the payment ratio of five insurances and one gold? The payment amount of five insurances and one gold is different in each region, and the base is based on the total salary. The specific proportion should be consulted with the local labor department, and the proportion of payment varies from place to place. 1. Pension insurance payment ratio: 2% for the unit (all included in the overall fund) and 8% for the individual (all included in the individual account). 2. Payment ratio of medical insurance: 1% for the unit and 2% for the individual+3 yuan 3. Payment ratio of unemployment insurance: 1% for the unit and .2% for the individual; 4. Work-related injury insurance payment ratio: the unit pays .5% for you every month, and the individual does not pay; 5. Maternity insurance payment ratio: the unit pays .8% for you every month, and the individual does not pay; 6. Provident fund contribution ratio: according to the actual situation of the enterprise, choose the housing provident fund contribution ratio. But in principle, the maximum payment shall not exceed 1% of the average wage of employees. Since the second half of 21, all employers have been required to pay the housing provident fund at 12% of their wages. Units and individuals are 12% of wages. Second, where to pay the five insurances and one gold? The five insurances and one gold fees for employees must be withheld and remitted by the unit, not by the individual employees. Only freelancers without units should pay the five insurances and one gold fee themselves. It should be noted here that the five insurances and one gold payment policy varies from place to place. Not all freelancers in every city can pay the provident fund. For flexible employees, the only types of insurance that can be paid by themselves are pension insurance and medical insurance. At present, these two kinds of insurance are generally included in the scope of social security payment for flexible employees, while flexible employees cannot participate in maternity insurance, industrial injury insurance and unemployment insurance, because these three insurance items require employers to participate in payment, while flexible employees do not work in employers and do not have the conditions to pay. Specific to which department to handle, the situation varies from place to place, and the five insurances are generally collected by the social security department or the local tax department; A gold is generally collected by the housing provident fund management department or the local tax department. However, the management department of the five insurances is the social security department, and the management department of the one gold is the housing provident fund management department. Third, what will happen after the suspension of five insurances and one gold? 1. The cumulative payment period of social security pension insurance with five insurances and one gold must be more than 15 years, otherwise you will not be able to enjoy pension benefits. Although the accumulated payment period is more than 15 years, you can enjoy pension benefits, but the longer the payment period, the more the payment amount, and the more pensions in the future, and vice versa. If the social medical insurance cannot be added together, there will be a waiting period of six months after the interruption. Medical insurance has a buffer period of three months, that is, it can be paid in three months, which can be calculated cumulatively. Otherwise, the payment period will need to be recalculated, and you will not be able to enjoy the reimbursement treatment, rather than the so-called "void". Social insurance is a social and economic system that provides income or compensation for people who have lost their ability to work, temporarily lost their jobs or suffered losses due to health reasons. So, what will happen after the social security is suspended? There is no time limit for social security suspension, and it has no effect on future transfer. If it is to be transferred, the social insurance agency (hereinafter referred to as the social security agency) where the original insurance is located shall first issue the insurance payment voucher. After the insured establishes the basic old-age insurance relationship and pays the fee according to the regulations in the new employment place, the employer or the insured puts forward a written application for the transfer and continuation of the basic old-age insurance relationship to the social security agency in the new insurance place, and the social security agency in the place where the original basic old-age insurance relationship is located handles all the procedures for the transfer and continuation after receiving the consent letter. You can consult the local social security bureau for the specific procedures related to social security suspension. 2. Provident funds with five insurances and one fund suspended. If the provident fund loan has been approved and released, it doesn't matter if you don't pay the provident fund, as long as you ensure that the loan is repaid normally every month. If there is no loan, it will definitely not work. If the loan is not approved, it is still under review. If it is not paid, it may not be approved. For some employees who leave their jobs, they will continue to pay the provident fund in their new units. If there is no interruption in the payment of the provident fund in the old and new units, as long as they provide proof that the housing provident fund has been paid for more than six months, the application for housing loans will not be affected. If the payment of housing provident fund is interrupted because of changing jobs, you can apply for housing provident fund loans only after the new unit has paid the housing provident fund for six months. Legal objectivity:

Full text of the administrative provisions on the declaration and payment of social insurance premiums Article 2 These provisions shall apply to the employer's declaration of payment and the social insurance agency's collection of social insurance premiums. The social insurance premium mentioned in these Provisions refers to the basic old-age insurance premium, basic medical insurance premium, work injury insurance premium, unemployment insurance premium and maternity insurance premium paid by the employer and its employees according to law.