Payment ratio of five insurances and one gold in Jinan
1, current pension insurance contribution ratio: unit 2 1% (all included in the overall fund) and individual 8% (all included in the personal account).
2. The proportion of medical insurance payment: 9% for the unit and 2% for the individual+3 yuan.
3. Unemployment insurance Unemployment insurance payment ratio: 2% for the unit and 0/%for the individual.
The work-related injury insurance unit pays you 0.5% every month, and you don't have to pay yourself. Work-related injury insurance determines the work-related injury rate according to the industry scope of the unit, with a range of 0.5%-2%.
The maternity insurance unit pays you 1% every month, and you don't have to pay a penny yourself.
6. Housing accumulation fund
Provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. But in principle, the maximum shall not exceed 10% of the average wage of employees. The employer shall pay the housing accumulation fund at 12% of the salary. Units and individuals are 65438+ 02% of salary.
How to determine the payment base of five insurances and one gold?
Generally, my salary income in the previous year is the base of payment.
1. If the wage income of employees is higher than 300% of the local average wage of employees in the previous year, 300% of the local average wage of employees in the previous year will be the payment base;
2. If the wage income of employees is lower than 60% of the local average wage of employees in the previous year, 60% of the local average wage of employees in the previous year shall be the payment base;
3, the employee's salary is between 300% and 60%, according to the actual declaration. When it is impossible to determine the wage income of employees, the payment base shall be determined according to the local average wage of employees in the previous year published by the local labor administrative department.
The deposit base of housing provident fund is the average monthly salary of employees in the previous year, that is, the total salary of the previous year divided by 12. The previous year refers to the natural year, that is, June 65438 to February 65438.
The deposit base of housing provident fund shall not be lower than the minimum monthly wage of employees in the previous year announced by the municipal human resources and social security department, and shall not exceed 3 times the average monthly wage of employees in the city in the previous year announced by the municipal statistics department.
legal ground
Regulations on the administration of housing provident fund
Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.
The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit ratio.
The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.
Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.