Legal analysis
The payment ratio of housing provident fund units and individuals is 65438+ 0.2% of wages. The payment amount of five insurances and one gold varies from region to region, and the base is based on the total wages. The specific proportion should be consulted with the local labor department, and the payment ratio varies from place to place.
Payment ratio of five insurances and one gold
1. Pension insurance payment ratio: 20% for the unit (all included in the overall fund) and 8% for the individual (all included in the personal account).
2. Proportion of medical insurance payment: unit 10%, individual 2% 3 yuan.
3. Unemployment insurance payment ratio: unit 1%, individual 0.2%;
4. Work-related injury insurance payment ratio: the unit pays 0.5% for you every month, and the individual does not pay;
5. Maternity insurance payment ratio: the unit pays 0.8% for you every month, and the individual does not pay;
6. Housing provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. Nationwide, all employers are required to pay the housing accumulation fund at 12% of their wages. Units and individuals are 65438+ 02% of salary.
Provident fund shall be paid at 12% of salary, and individuals and units shall bear 12% respectively. That is to say, if your salary is 1W, you will pay 1200 yuan's provident fund every month, which will be deducted by the company, and the company will also give you 1200 yuan, which is equivalent to 65,438 yuan. Paying housing provident fund is actually very beneficial to workers. In the future, you can actually use the provident fund when buying a house, renting a house or maintaining a house.
Provident fund = payment base * payment ratio
Proportion of provident fund payment:
The basic deposit ratio of housing provident fund is: unit 12%, individual 9%, and the maximum deposit ratio of housing provident fund for both units and employees does not exceed12%; Each deposit unit may, according to its own production and operation, appropriately reduce the deposit ratio of housing provident fund in stages, but the minimum deposit ratio shall not be less than 5%.