There are two key points in this question.

First, what is the payment base of five insurances and one gold?

second, the more the base, the better? The previous answers are very practical, but most of them are a little irrelevant or have a little knowledge, and they are too complicated and too long. Today, this article gives a 2+ word answer to the two key points of the question and takes 5 minutes to reveal the answer. Let you have a clear and thorough understanding of the payment base of five insurances and one gold, and never be bonus hunter by the company again, which is an important lesson for you to become a veteran in the workplace.

1. The payment base of five insurances and one gold is 6%-3% of the average social wage according to state regulations. For example, if the average social wage is 1 yuan, then the payment base is 6 yuan-3, yuan. When the company applies for the social insurance payment base, the payment base is the average monthly salary of all employees of the company in the previous year. In other words, if the monthly average company of all employees in your company last year was 6,, then the payment base of company social insurance is 3,6-18, yuan. The payment base is as simple as that ~

Add a little knowledge of the payment ratio. On weekdays, the "five insurances and one gold" we refer to are endowment insurance, medical insurance, industrial injury insurance, maternity insurance, unemployment insurance and housing accumulation fund. The proportion of "five insurances and one gold" paid by different provinces and cities in China is different, but most provinces and cities account for more than 4% of the total wages, and the total proportion of "five insurances and one gold" paid by individuals is about 2%. It can be considered that individuals and companies pay 5-5. The part paid by the company is directly billed from the company, and the part paid by the individual is deducted from our salary.

The reference payment ratio is:

1. The payment ratio of endowment insurance is: 2% for the company and 8% for the individual. Accumulated payment for 15 years, reaching the statutory retirement age, and receiving basic old-age insurance on a monthly basis!

2. medical insurance: 9% for companies and 2% for individuals. We can't see the amount paid by the company going into the overall account, but the 8% paid by us will go into our personal account, so we can check the balance, and it will be clear at a glance. I think the most convenient way is Alipay.

3. Unemployment insurance: 2% for companies and 1% for individuals. This unemployment insurance can guarantee that we will receive an unemployment benefit after unemployment. By then, the prerequisite is that we have paid unemployment insurance for at least one year and have been dismissed by the company.

4. industrial injury insurance: 2% for the company. There is no need for individuals to pay a penny, and the company will pay it all for us. Moreover, industrial injury insurance will take effect at any time as long as it is on the job.

5. Maternity insurance: .8% for the company. It can reimburse maternity medical expenses, prenatal and postnatal examination fees, birth control surgery fees and other expenses, and can also provide maternity leave and maternity leave wages. Similarly, you don't have to pay a penny, it's all borne by the company.

6. Housing accumulation fund: companies and individuals pay 5% each, and the range of payment is 5%-12%, which is the state's free welfare that integrates buying a house, renting a house, decorating a house and seeing a doctor, and the loan interest is still ultra-low. 7% of the individual's commitment is also entered into his own account, and the balance can also be found in Alipay. In this way, the proportion of individuals paying five insurances and one gold should be 8%+2%+1%+7%=18%, that is, the total proportion of individuals paying five insurances and one gold is 18%. 18% is deducted in this way. For example, if your company's contribution base is 6 yuan and your salary is 8 yuan, then deduct 18% of five insurances and one gold (6*18%=18), and you will get 692(8-18). Note: The payment base and proportion of five insurances and one gold are slightly different in different provinces and cities, which is subject to the publicity of the local social security bureau! Or call the hotline 12333 for manual inquiry.

second, the more the better? Theoretically speaking, the payment base of five insurances and one gold is of course the more the better, regardless of the part paid by the company (after all, it is the money paid by the company). If the base of Ghana is larger, the more money we personally pay into our personal account. It can be clearly seen from the proportion of payment that the payment base is most closely related to us.

1. Impact on pension insurance benefits Again, the company pays 2%, which is credited to the overall fund; Pay 8% by yourself and put it all in your personal account. The more the payment base, the higher the individual pension insurance payment, that is, the more money is deducted from the salary. This has an impact on two aspects, the first is the payment index. The contribution index is the core index of "pay more and get more", and its level directly determines the level of pension income. It can be said that it even exceeds the "long payment and get more" in determining the importance of pension.

Therefore, the payment base is high, and the future pension will definitely be high.

Secondly, personal account is one of the components of retirement pension. The more the payment base, the higher the amount of personal account storage, so after retirement, the pension received every month will also rise. Pension is calculated in a prescribed way, that is to say, the amount of pension received every month after retirement is partly due to our own control. If you want to plan your own pension, you can read this article, with a calculation case attached, and just sit in the right place yourself. Link poke this → long warning, calculate how much pension you can get after retirement? (Attached with case and calculation link)-Zhihu (zhihu.com)

2. Impact on medical insurance benefits Again, the company pays 9% and pays 2% by itself. What the company pays goes into the overall account, and what it pays goes into the personal account of the medical insurance card. We can use it directly. If you are in a city where you can open a family account, then the money in your medical insurance card account can directly buy medicine for your immediate family members. For example, it is allowed to buy medicine for your parents with the money inside. Want to know how to use this family account, you can call the local social security bureau for telephone consultation. So obviously, the more payment bases for five insurances and one gold, the more medical insurance paid by individuals, and the more money for medical insurance cards. Although it is not cash income, it is equivalent to actual income to buy medicine and see a doctor at a pharmacy.

3. Impact on housing provident fund Once again, the company and itself split it 5-5, and the payment range is 5%-12%

The more the payment base, the more the individual provident fund will be paid. Because all the money paid by the company and yourself goes into your personal provident fund account and becomes an integral part of your income. For example, after calculation, your own provident fund is 7 yuan, so the company will also pay you 7 yuan, and your provident fund account will deposit 14 yuan every month. The more deposits in the housing provident fund, the more additional income you will get when you enjoy the low interest rate of the housing loan. For example, the loan amount will go up. Housing provident fund is very practical for migrant workers. It can be said that using the provident fund well can save us a car. For specific usage, see this article I wrote, which systematically introduces the role of housing provident fund to you.