When applying for a job, people are most concerned about salary and welfare. How much salary should we ask? How much you can actually get is a question for many people. JASON will explain the relationship between the four funds (old-age insurance, medical insurance, unemployment insurance and housing accumulation fund) and salary, so that readers can have a good idea when proposing the expected salary.

Generally, your four gold base is your monthly salary, but if your salary is high (for example, it is more than three times the average monthly salary in your city last year), then the base will be at the top. And if the salary is particularly low (for example, lower than 6% of the average monthly salary in your city last year), the base number also has a back cover.

: Take the situation in Guangzhou in 2 as an example. In 1999, the average monthly wage was 1,179 yuan. If your monthly salary exceeds 1179*3=3537 yuan. Then the four gold base is 3537 yuan; If your monthly salary is less than 1179*6%=77.4 yuan. Then the base of the four gold is 77.4 yuan. If the salary is between 77.4 yuan and 3537 yuan, then the base is your salary.

: four gold calculation methods:

: pension insurance = salary × 6%+salary ×25.5%

: medical insurance = salary × 1%+salary ×5.5%

: unemployment insurance = salary × 1%+salary ×1%

: housing accumulation fund = That is to say, after deducting the four gold, the salary is 85% of the salary payable, and of course, the income tax should be considered. Therefore, if the salary payable by the unit is 25, there is only 2 after deducting four gold and income tax.

:PS: Before signing the contract, be sure to ask whether the salary is before or after deducting the four funds. The figure stipulated by the state is that the four funds, such as housing accumulation fund, are not less than 44% of the salary income, and the proportion paid by the unit is not less than 5%. Of course, the proportion is slightly different in different places, but the difference is very small, which means that the four funds paid by you personally are not higher than 22% of the salary, and under normal circumstances, the unit pays nearly 3%. And the individual pays about 15%

: If you don't pay the four gold, you can't calculate the length of service, and it is definitely not recorded in the government labor service, because once you register

: you must pay it. Since your name is not on the government labor service record, it means that you can't enjoy the protection of some policies of the government. To be clear, you are not a formal employee of the unit. Or similar to informal employees

: not paying four gold is a way for some enterprises to evade taxes and save money. For example, they can give you 5, yuan/month, and all the money after tax deduction is

: it belongs to you, and the enterprise pays 5, yuan/month. If they pay four gold and give you 5, yuan/month, the unit pays

: at least 6,1 yuan/month, generally 6, yuan. And the cash in your hand

: 75-1,1 yuan/month. Therefore, on the surface, if the unit pays the same amount, there will be a higher figure on the surface. For example,

: If the same amount is 5, yuan, the figure will be the difference between 5, and 3,5 yuan.

: But you should be very clear that the unit does not pay four gold and will be employed normally. Therefore, your labor contract

: in essence, it has not been reported to the management department such as the talent market at the higher level, so when the government inspects the personnel of the unit, it is naturally

: if you can't find your name, you are equivalent to a temporary worker, and naturally you can't calculate the length of service and be protected by some government policies

. However, there are indeed many practices or similar practices in China that don't pay four gold, and I am not very clear about the specific practices.

: It should be. But it must be illegal or you are equivalent to a temporary worker.

Graduates are often not clear about these things. The unit does not talk about benefits, but only talks about wages. This is also a way for many units to cheat the graduates. I know that Nanjing XX Technology Co., Ltd. is like this. The agreement that the annual income is not less than 3, yuan in January of the first year and not less than 5, yuan does not include four gold. After the calculation, you can know that after deducting 44% of four gold, After tax deduction, it is about 1,6. Instead of the normal individual paying 15%, it can reach about 2,5/month.

: If the pre-tax income after paying four gold is 3,/month, then 15% is also paid by the company.

1. Personal adjustment tax algorithm

: After the salary is-1, (here, the salary refers to the contract salary minus four gold)

: 5-2, yuan, with a tax deduction rate of 1%;

: 2,-5, yuan, with a deduction rate of 15%

. 2. Composition of personal four funds in salary

: personal commitment to enterprises

: pension insurance = salary ×7%+ salary ×22.5%

: medical insurance = salary ×2%+ salary ×

: One gold refers to the housing accumulation fund.

: 1. The "context" of four insurances and one fund:

: According to the national regulations, the four insurances and one fund are paid by the employer and the individual, and are turned in regularly, and deposited in an insurance account or provident fund account opened in an individual capacity, which is managed by the relevant social functional departments.

: Calculation method:

: The figures in this paper are hypothetical, and each place has its own regulations.

: "payment salary base": generally speaking, it is your average monthly salary of the previous year (for the first year of work, it is the average monthly salary of that year). However, the maximum payment salary base cannot exceed 3% of the average monthly salary of employees in this city (23

: the upper limit in Beijing was 155*3=465 yuan before June 3, 23)

:1. Endowment insurance

: individual payment: payment salary base x8%

: enterprise payment: payment salary base x19%

. Basic medical insurance:

: individual payment: payment salary base x2% (into personal account)

: enterprise payment: payment salary base x9%+ payment salary base x.8%(.8% into personal account)

:(2) Mutual fund for large medical expenses:

: individual payment: 3 yuan

: enterprise payment: payment salary base x1%

:3. unemployment insurance

: individual payment: payment salary base x.5%

: enterprise payment: payment salary base x1.5%

:4. industrial injury insurance

: .4% in general IT industry)

: 5. Housing accumulation fund

: individual payment: payment salary base x8%

: enterprise payment: payment salary base x8%

: "getting rid of the pulse" of two or four insurances and one gold

:1. Old-age insurance

: when individuals pay to the legal normal retirement age,

: If a person who participates in the basic old-age insurance dies unfortunately before retirement, the old-age insurance premium paid by himself according to the regulations can be paid to his designated beneficiary or legal heir in one lump sum.

: If the insured person dies after retirement, the personal account storage amount of the basic old-age insurance has not been collected or has not been fully collected, and its

: the individual contribution part of the balance can be paid to its designated beneficiary or legal heir in one lump sum, and at the same time, a certain amount of funeral pension fee (except for the retired person) can be paid in a second time according to regulation 1

.

:2. Medical insurance

: When an individual falls ill, the expenses will be shared by the basic medical insurance fund and the individual account.

:(1) The personal medical insurance account pays the following expenses:

:(2) Medical expenses for outpatient and emergency treatment; The cost of purchasing medicines at designated retail pharmacies;

:(3) Medical expenses below the threshold of the basic medical insurance pooling fund;

: medical expenses that exceed the threshold of the basic medical insurance pooling fund and should be borne by individuals in proportion.

: I will pay for the insufficient payment in my personal account.

: the basic medical insurance fund pays the following medical expenses:

:(1) medical expenses for hospitalization;

:(2) The medical expenses of those who are under observation for emergency rescue and are admitted to hospital for treatment within 7 days before hospitalization;

:(3) Outpatient medical expenses of radiotherapy and chemotherapy for malignant tumor, renal dialysis and taking anti-rejection drugs after renal transplantation

:.

:3. Unemployment insurance

: Unemployed persons who meet the following conditions can receive unemployment insurance benefits:

:(1) They have participated in unemployment insurance according to regulations, and their employers and I have fulfilled their payment obligations for one year according to regulations;

:(2) The employment is not interrupted due to my will;

:(3) Those who have registered for unemployment and have job requirements.

: During the period of receiving unemployment insurance benefits, the unemployed can also enjoy other unemployment insurance benefits according to the regulations.

:4. Work-related injury insurance

: Employees who suffer from accidents or occupational diseases at work are treated and enjoy medical treatment for work-related injuries.

: if the expenses required for the treatment of work-related injuries meet the service standards of the catalogue of work-related injury insurance diagnosis and treatment items, the catalogue of work-related injury insurance drugs and work-related injury insurance hospitalization clothes

, they shall be paid from the work-related injury insurance fund. Catalogue of work-related injury insurance diagnosis and treatment items, catalogue of work-related injury insurance drugs and work-related injury insurance

: Hospitalization service standard, which is stipulated by the administrative department of labor and social security of the State Council in conjunction with the administrative department of health and the drug supervision and administration department of the State Council

:5. Housing provident fund

: Employees can withdraw the storage balance in their housing provident fund accounts in any of the following circumstances:

:(1) Purchase and purchase.

:(2) retired; Completely lose the ability to work and terminate the labor relationship with the unit;

:(3) the registered permanent residence has moved out of the city or county where it is located or left the country to settle down;

:(4) repaying the principal and interest of the loan;

:(5) The rent exceeds the prescribed proportion of family wage income.

: in accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee's housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the surplus in the employee's housing provident fund account < P >: will be included in the value-added income of the housing provident fund.

: 3. Friendly reminder

: Although the four insurances and one gold cannot be directly controlled by individuals, the money paid by enterprises and individuals will eventually be owned by individuals, but it is only managed by the state. Of course, there may be some problems in the specific implementation, which may make the relevant provisions of

: not necessarily fully implemented.

: Tip 1:

: Some enterprises will not pay four insurances and one gold according to the national regulations, so they should ask clearly before signing the employment agreement.

: Some enterprises will not pay four insurances and one gold according to the national regulations, so they should ask clearly before signing the employment agreement.

: Tip 2:

: Enterprises that do not pay four insurances and one gold should have a higher salary level than those that do.

: Tip 3:

: Usually, the pre-tax salary mentioned by enterprises will be much less after deducting four insurances and one gold

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.