I 20 17 Foshan new social security regulations
1. The basic salary of workers is determined according to their qualifications.
10 years' service is 2000 yuan, 15 years' service is 2300 yuan, 20 years' service is 2500 yuan, 25 years' service is 2800 yuan, 3000 yuan, 40 years' service is 3500 yuan. (With the growth of national economy)
2. Length of service salary (including length of service)
Every year in 30 yuan, with the increase of length of service. The implementation of seniority wage is not only to take care of the old workers, but more importantly, to encourage lifelong obedience to workers, which is conducive to the construction and stability of the workforce.
3. Work salary
Subsidies are based on the principle of actual pay according to work; Mainly to encourage workers to work more, especially young workers, who are full of energy. They have earned more for their hard work, which is not only psychological comfort, but also an encouragement.
4. Performance pay
Monthly and annual bonus (instead of title salary). This bonus can only account for about 10% of salary. Everyone recommends competitive performance, annual bonus and no tenure.
5. Insurance premium subsidy
There is no quota for outstanding workers recognized by all workers. Those recognized by departments at or above the county level according to high standards shall enjoy the State Council allowance and the county/municipal people's government allowance, but there is no life tenure.
6. Workers' pension
According to calculate length, every year of work 100 yuan. By analogy, the pension for 10 service is 1000 yuan. The pension for 20 years is 2000 yuan, the pension for 30 years is 3000 yuan, and the pension for 40 years is 4000 yuan. Whether senior workers, intermediate workers or ordinary workers. Pensions are equal. Civil servants should also be equal regardless of their positions. It's the same as workers' pension. It will be completed in three years.
7. Endowment insurance
Generally, you have to pay 15 years, and you can enjoy the pension for life when you retire, so people who want to get the pension must start paying before you retire. If you pay less than 15 of the pension insurance at retirement age, the state will return all the 8% pension saved in your personal account to you when you retire. Where is the 2 1% paid by the company? The state has allocated 2 1% of the money paid by the unit for you to the national pension fund.
8. Medical insurance
The unit pays you 9% per month, and your personal monthly payment is about 2% plus 10 yuan's serious illness coordination. Co-ordination of serious illness is only hospitalization, and the state will put your own 2% into your medical insurance account every month in that 1 1%. It is the money that the country calls you personally every month. The money can be accumulated and directly used to buy medicine or see an outpatient clinic. The remaining 9% countries will take it to the medical pooling fund.
9. Housing accumulation fund
If you pay 300 yuan into the provident fund every month, the company will also pay 300 yuan into your account every month. When you buy a house, it will be 600 yuan. If you pay 50,000 yuan in your life, you will have 65,438+10,000 yuan in your account. Don't refuse such a good thing.
Second, Foshan endowment insurance conditions
Endowment insurance for enterprise employees and individuals
1, which meets one of the following age conditions:
(1) Normal retirement: 60 years old, 55 years old for female cadres and 50 years old for female employees.
(2) Retirement for special types of work: men reach 55 years old and women reach 45 years old.
(3) Retirement due to illness or non-work-related disability: men over 50 years old and women over 45 years old.
(4) Policy-based early retirement: employees of bankrupt state-owned enterprises in pilot cities with optimized capital structure, employees owned by the whole people who close mines with exhausted bankrupt resources, and demobilized cadres in difficult enterprises can retire five years in advance.
2. Payment years: 10 for those who participated in endowment insurance before June 30, 1998 (inclusive), and those who reached the retirement age stipulated by the state before June 30, 20 13 (inclusive), the cumulative payment years are10, and the remaining cumulative payment years are 15.
Foshan Old-age Insurance New Rural Old-age Insurance
The elderly registered in this area who have reached the age of 60 and do not enjoy the basic old-age insurance benefits for enterprise employees can enjoy the new old-age insurance benefits on a monthly basis if they meet one of the following conditions:
1, when this system is implemented, children who have reached the age of 60 and do not need to pay fees, but meet the conditions of insurance, must pay fees.
2. When this system is implemented, people who have reached the age of 45 will continue to pay their fees to the age of 60 on schedule, and the cumulative payment period will not exceed 15 years.
3. When this system is implemented, if I am under 45 years old, the cumulative payment period shall not be less than 15 years.
Third, Foshan 20 17 new provident fund policy
It was learned from Foshan Housing Provident Fund Management Center that the Measures for Housing Mortgage Loan of Foshan Housing Provident Fund has been revised and will be officially implemented on 20 17+65438 10. There are two adjustments in the new "Measures": you can apply for provident fund loans only after you have paid the housing provident fund for 1 year; If the housing provident fund is not paid in full and on time during the loan period for nine consecutive months or a total of twenty-four months, the loan interest rate will be adjusted to the commercial loan interest rate for the same period.
After the revision of the new "Measures", the stipulation that "the housing provident fund should be paid in full and on time for more than 6 months (inclusive) but not more than 1 year (inclusive), and the maximum personal loan amount should not exceed 654380+0.5 million yuan" was cancelled. In other words, citizens can only apply for housing provident fund loans if they have paid the housing provident fund for at least one year. Accumulated housing accumulation fund in full and on time 1 year and less than 2 years (excluding), with the maximum loan amount not exceeding 300,000 yuan; Accumulated housing provident fund has been paid in full and on time for more than 2 years (inclusive), and the maximum personal loan does not exceed 400,000 yuan.
The New Deal also stressed that during the loan period, the borrower must continue to pay the housing provident fund in accordance with the provisions of the housing provident fund system. If the housing provident fund is not paid in full and on time during the loan period for nine consecutive months or a total of twenty-four months, the loan interest rate will be adjusted to the commercial loan interest rate for the same period. According to the latest regulations of the People's Bank of China, the benchmark interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and it is 3.25% for more than five years; The benchmark interest rate for housing commercial loans is 4.75% for five years or less and 4.9% for more than five years.
Su Min (a pseudonym), a teacher in Nanzhuang No.1 Middle School, just joined the job on September 201June. Six months after the planned provident fund in March 20 17, she and her boyfriend bought a house with two provident fund loans. As a property buyer, she was very surprised to hear the news of the new housing provident fund policy: "If this policy is implemented, it will have a great impact on us. 20 16, seeing that the house price has been rising, I didn't buy it. On the one hand, I don't have much deposits, on the other hand, I have been waiting for the provident fund for half a year. " After the implementation of the New Deal, she and her boyfriend had to readjust their house purchase plans.
Cao Shaolin, director of the market research department of Hefei Brilliant Foshan Branch, said that overall, the new provident fund policy has little impact. "On the one hand, data show that the proportion of buying a house with provident fund is 20%~30%, which is not particularly high; On the other hand, at present, the total price of the house is relatively high, and the husband and wife can borrow up to 800,000 yuan, which can not fully cover the total mortgage. If they combine loans, they will not enjoy the benefits of commercial loans, so many people will choose commercial loans. " He also added that this policy adjustment has a great impact on Foshan's just-needed home ownership, and many of these people rely heavily on the provident fund.
In fact, before March 2065438+2005, Foshan's policy was to pay the provident fund for one year before applying for a loan, and now it has just returned to the original policy.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.