The factory should pay you about 570.

Reference:

The specific proportion of social security is:

Pension insurance: The unit pays 21% for you every month, and you pay 8% yourself;< /p>

Medical insurance: Your employer pays 9% for you every month, and you pay 2% yourself plus 10 yuan for critical illness insurance (the critical illness insurance mainly covers hospitalization);

Unemployment insurance : The employer pays 2% for you every month, and you pay 1% yourself;

Work-related injury insurance: The employer pays 0.5% for you every month, and you don’t have to pay a cent;

Maternity insurance: The employer pays 0.8% for you every month, and you don’t have to pay a cent;

Housing provident fund: The employer pays 8% for you every month, and you pay 8% yourself.

After calculating the above, the proportion of social security paid by your employer for you every month should be 21%+9%+2%+0.5%+0.8%+8%=41.3%

< p>The proportion of social security you pay for yourself every month should be 8%+2%+10 yuan+1%+8%=19%+10 yuan

Temporarily remove the 10 yuan you pay Not to mention, the ratio between the employer's payment and your payment should be 413:190. This means that if you pay 190 yuan for your social security every month, then the employer will pay 413 yuan into your social security account. , the amount added to your social security account every month should be 413+190=603 yuan

So, when you can’t see it, the social security fee paid by your employer is actually twice as much as yours. It’s still a lot, so don’t feel bad when you pay social insurance premiums every month~ You have to know that your employer pays much more than you do, and it’s actually your employer that feels distressed.

Speaking of the three insurances and one fund and the five insurances and one fund, everyone should have seen it here. In fact, the three insurances and one fund mentioned in the Jianghu are exactly the same as the five insurances and one fund. It is just the three insurances. The first fund is based on the insurance paid by you personally (pension + medical + unemployment + provident fund), and the five insurances and one fund are based on the insurance paid by your employer (pension + medical + unemployment + work-related injury + maternity + provident fund). Calling three insurances and one fund into five insurances and one fund is actually just a nice thing to say.

In addition to your employer paying social security for you, in fact, people who are unemployed but have income, or people who have an employer but their employer does not pay social security, can also pay social security by themselves. However, individuals can only pay pension insurance + medical insurance. You can't afford to pay for work-related injuries, childbirth, unemployment, or provident fund.

The following is an introduction to what is the social insurance payment base

You have just known that the ratio of social insurance paid by the unit every month to the ratio you pay is almost 413:190, so now Another question arises: What is the relationship between the social security premiums you pay every month and this ratio? How are the social security premiums determined?

You may not have noticed that every province and city will have annual social security premiums on July 7. At the beginning of the month, a "minimum social insurance payment base" was released. This base was determined after statistics and calculations based on the average salary of employees in the previous year + benefits + various subsidies and other miscellaneous expenses. The minimum base announced by Nanjing in July this year was 1189 Yuan, what does this mean? It means that as long as Nanjing is a formal unit that pays social security for its employees, the monthly payment for each employee is at least 1189 × 41.3% = 491 yuan, and the employee must pay at least 1189 × 41.3% = 491 yuan every month. 1189×19%+10=236 yuan, so the social security fees you and your employer should pay every month will be calculated.

But now a new problem has arisen. The wages of employees in Nanjing are very different. Some people get 1,000 a month, and some people get 10,000 a month. Are they supposed to pay the same social security for those who get 1,000 and 10,000? Fee?

Please note that 1189 is the lowest base, and there is a highest base above 1189. The highest base in Nanjing this year seems to be more than 8,000. I have forgotten the details. Anyway, if your salary is per If the monthly payment is less than 1189 yuan, the employer must also pay 1189×41.3%=491 yuan for you based on 1189 yuan, and you must pay at least 1189×19%+10=236 yuan every month. This is 1189 as the minimum social security The significance of the payment base is: even if you get 1,000 or 800 yuan a month, you must pay the minimum monthly payment of 1,189!

But if your salary is higher than 1,189, for example, you If you get 3,000 yuan a month, when your employer goes to the labor bureau to pay you insurance (your employer and the social security fees you pay are both deducted by the labor bureau~), you should say to the labor bureau: "Yeah, we have it here. "A comrade earns 3,000 yuan a month, please deduct social insurance premiums according to the standard of 3,000 yuan." Then the Labor Bureau will use 3,000 yuan as the payment base to deduct the money from your company and you and then transfer it to your social security account. At this time, you should pay 3000×41.3%=1239 yuan every month, and you personally should pay 3000×19%+10=580 yuan every month.

That is to say, if your salary is less than 1,189 yuan, then you will pay according to 1,189 every month; if your salary is above 1,189 yuan, then you will pay according to your actual salary every month. Unless your salary is higher than the highest base, if you get 10,000 a month and the highest base is 8,000, you and your company will pay 8,000.

Here I want to expose the shameless practices of some companies. These companies may pay you several thousand dollars every month, but when they go to the Labor Bureau to declare your base, they will not report it according to your actual salary. For example, if you earn 3,000 yuan a month, they will go to the Labor Bureau. It may be said that you only get 1,189 yuan, and then the labor bureau only deducts 1,189×19%+10=236 yuan from you every month. You may be very happy because you think the deduction is less, but you actually get more money. .

!If this is the case, your company would be too shameless! Because the company pays more than twice as much as you, so the less you pay, the less they will pay

! If based on your actual salary of 3,000 To calculate, they should pay you 3000×41.3%=1239 yuan in social insurance every month, but if calculated according to 1189, they only pay 1189×41.3%=491 yuan for you every month! So in fact you pay What a big loss! Regular companies will only report your actual salary to the labor bureau and then deduct money! Only those sleazy companies will pay you according to the minimum standard no matter how high your salary is!! Don’t think that everyone The less you deduct from your monthly social insurance premiums, the better!! Maybe you have been shamelessly bullied by the company and you are completely unaware of it!!!

It is necessary to determine the base amount paid by the company for you. Simple: If you deduct 300 yuan for social security every month, then your base is almost 300÷19%≈1578 yuan. Check whether your salary is this amount. If your salary is obviously higher than 1578 yuan, for example, every month you In fact, if you get 3,000 or 4,000, you must have been bullied by the company. After being bullied, you can go to the local labor inspection brigade to sue your company. Generally, one complaint will be accurate, but it is best to bring the evidence (such as salary slips) when you leave your job. etc.) before filing a lawsuit, otherwise you will generally not be able to survive in the company after filing a lawsuit -+

It should be noted again that the proportion of social security in different places is different. If you are not in Nanjing, then Your payment ratio may not be 19%, but it will certainly not be too different. For example, your base may be 20% or 22%, but it will definitely not be 30% or 40%! So although 19% is the ratio in Nanjing, But students from other places can also use this to roughly calculate their own base

The following will introduce the specific situation of these social insurance premiums and how to use them. As mentioned before, social insurance = pension insurance + medical insurance + work-related injury insurance +Maternity insurance+Unemployment insurance+Housing provident fund

Let’s talk about pension insurance first

This insurance generally has to be paid for 15 years before you can enjoy the pension for life when you retire. Therefore, students who want to receive a pension must start paying it 15 years before their retirement. This is almost the same rule outside Nanjing. If you have paid pension insurance for less than 15 years until retirement age, the state will return all 8% of the pension deposited in your personal account to you when you retire

Then you will ask, does your employer give you pension insurance? Where did the 21% you paid go? Don’t expect the state to hand it over to you. After you retire and take away your personal money, the state will transfer all the 21% paid by your employer to the state. Once it is in the pension pool, this money will have nothing to do with you from now on.

You may say: Damn it! That’s my money, why don’t you give it to me

Because that’s what the country stipulates

When refunding money, only the amount deducted by the individual will be refunded to the individual. All the money paid by the employer for him has contributed to the country--

Let's take a look at how your pension is calculated when you retire

Pension The algorithm of pension is very complicated, because the country changes the payment base every year. For example: if you are 30 years old now, your current payment base is 3,000 yuan, and if the retirement age is 55, then you must be in You started paying for pension insurance before you were 40 years old. If you start paying now when you are 30, it will be 25 years until you are 55. Then first of all, you will definitely be able to enjoy your pension. Secondly, if you pay 3,000 in 25 years, The payment base for a block has become 6,000 yuan (I'm talking about if), then when you are 55 years old, you can first get a basic pension of 6,000 × 20% = 1,200 yuan every month. This is given to you by the state. In addition, you have accumulated a lot of money in your personal account in the past 25 years. If you average the payment base, (3006000)÷2=4500, then you should have 4500×8 in your personal account in the past 25 years. % (the personal proportion of pension insurance you paid) × 25 years × 12 months = 108,000 yuan, then in addition to the previous 1,200 yuan, you can also get 108,000÷120 = 900 yuan every month, starting at the age of 55 You can get at least 120900=2100 yuan in pension every month. Of course, the national base is still rising every year. In this way, in addition to your own 900 yuan every year, you will get more than 1200 yuan every month after retirement. If you pay more for pension insurance, of course your pension will be more and more.

So the more you pay for pension insurance, the better. The more you pay, the more you will enjoy after retirement, and , after the country adjusts the base every year, the money you get will be more and more. It is possible to get 1,500 after paying 1,000 now. Here is a perverted policy. No matter where you pay social insurance, it will be waiting for you to retire. Sometimes you can only go back to your place of residence to enjoy the local retirement benefits. From this point of view, people who pay social security in places with a high base but retire and enjoy pensions in places with a low base will suffer a big loss. Why do you say this? Let me give you an example, if you worked in Nanjing when you were young, paid social security for 20 years and then retired, but if your household registration is in Heilongjiang, then you must go back to Heilongjiang to enjoy your pension. If you paid social security for 20 years in Nanjing The average base of payment is 3,000 (I'm talking about if), and when you retire, Heilongjiang's payment base is only 1,000 (I'm talking about if), then you can only enjoy 1,000 benefits when you retire! This is a big loss. ! In a word, if you pay social security in a rich place but return to a poor place to enjoy social security when you retire, you will pay a lot in your life but enjoy very little! If you pay 3,000 yuan, you may only enjoy 1,000 yuan! This is a terrible thing. But there is no way, this is the national policy, so all students who are currently registered in places with low bases such as the West, but work in places with high bases such as Beijing or Shanghai and pay social security, please pay attention. You can either pay social security in the West, or you can pay social security in the West Move your household registration to Beijing or Shanghai before retiring, otherwise you will be making a huge loss in your life

Then you may say, if my household registration is in Nanjing, then I will not pay in Heilongjiang for 20 years. That's fine. Pay money in a place with a low base, and when you retire, go back to a place with a high base to enjoy high benefits. Wrong! Do you think the Nanjing Municipal Labor Bureau will let you enjoy it casually?! Generally speaking, Nanjing will They will find a reason to directly refuse your transfer! At that time, you will be smart but you will be mistaken: you can’t enjoy it in Heilongjiang, and you can’t enjoy it in Nanjing!

However, some places have eased this situation. For example, Nanjing allows you to transfer back to Nanjing from a place with a low base 5 years before retirement, and then continue to pay a high base in Nanjing for 5 years before it allows you to return to Nanjing to enjoy your pension. This policy is probably applicable everywhere. It’s different. Students who plan to transfer in the future should go to your local labor bureau now to clarify this issue to avoid unexpected accidents when you retire!

Let’s talk about medical insurance

The policy of this insurance country is pretty good, and the important thing is that it reimburses a lot for hospitalization.

As mentioned before, the monthly medical insurance your employer pays for you is 9%, and the monthly medical insurance you pay for yourself is about 2% plus a 10-yuan critical illness plan. This serious illness plan only cares about your hospitalization regardless of anything else, and the 11% Here, the state will pay your own 2% to your medical insurance account every month. If you pay social security according to the minimum base of 1,189 yuan every month, then 1,189 × 2% = 23.78 yuan is what the state will pay you every month. Personal money, you can accumulate this money and directly swipe your card to buy medicine or see a clinic, and the remaining 9% will be calculated by the state into the medical unified fund

According to According to Nanjing's regulations, if you start paying for medical insurance in January 2007, you can swipe your card to buy medicines or see outpatients from February 2007, and your hospitalization expenses can be reimbursed from July 2007. It’s quite complicated, here’s an example:

If you were hospitalized on August 1, 2007, and you lived in the best tertiary hospital in Nanjing, all the medicines you used during your hospitalization were covered by medical insurance. If you spend 5,000 yuan on medicine, surgery, hospitalization, etc., then when reimbursing, the medical insurance center will first deduct 1,000 yuan, which is the starting price. The remaining 4,000 yuan can be reimbursed by the medical insurance center as 4,000 × 86% = 3,440 yuan. You only need to pay 4000×14%=560 yuan. Including the previous starting price of 1000 yuan, you only need to pay 1560 yuan if you spend 5000 yuan, and this 1560 yuan can be deducted from your medical insurance card. deduction (if you don’t use that card very often), so in fact you won’t spend much money on hospitalization

Medical insurance is much more important to us young people than pension insurance, after all, medical treatment and hospitalization are too damn It’s expensive, which is also the most important thing about participating in social insurance. However, Nanjing City stipulates that medical insurance must be paid for 25 years before you can enjoy it for life after retirement. Therefore, if you retire at the age of 55, you must start paying for medical insurance at the latest when you are 30 years old. Insured

Let’s talk about work-related injury insurance

This insurance is generally rarely used in practice, and I don’t have much contact with it. I need to remind everyone that if you are at work or on the If something happens while off work, this insurance will come in handy

But in practice, many people don’t pay attention to preserving evidence when something happens, resulting in them being unable to enjoy work-related injury insurance. This is a pity if you If you were hit by a car while off duty, you should call the police as soon as possible and ask the police to investigate the records and take photos to collect evidence. After the police handle the matter, they will issue you an accident certificate or something like that, and you can take this to your workplace to request it. If you report a work-related injury and you have an accident and just let people run away without looking for witnesses or calling the police, then it will generally not be accepted as a work-related injury without evidence

There is another reason for work-related injuries. As for the timeliness issue, if you were injured at work on July 1, 2007, you must report it to your work unit immediately, and hand over the evidence and accident identification certificate issued by the police, as well as your medical records of medical treatment or hospitalization after the work-related injury, to the work unit, and ask your work unit to take it with you. These materials are used for work-related injury identification. Your unit must send your valid materials to the work-related injury identification center before August 1, 2007. If it is more than one month from the date of your work-related injury, the work-related injury may not be identified. .If your employer does not come to give you an appraisal, then you can take the materials to the appraisal center for appraisal yourself. It is best not to take more than a month, otherwise it will be very troublesome

Let’s talk about maternity insurance

This is explained with an example. If you are a girl, your monthly salary is 1,000 yuan, you start paying maternity insurance on January 1, 2007, the payment base is 1,189, and you become pregnant in March 2007, I gave birth to a child at the end of December 2007 and was discharged from the hospital in January 2008. Then after you are discharged from the hospital, you must quickly submit your marriage certificate (unmarried children cannot be reimbursed) + only child certificate (generally speaking, those who have two children cannot be reimbursed) + medical records + medical records Card check and all invoices for hospitalization and surgery expenses + hospitalization list + discharge summary should be submitted to the company. If you spent 500 yuan for the examination during pregnancy, and 2,000 yuan for hospitalization + surgery when you gave birth, generally speaking, The company can basically reimburse you completely within the scope of medical insurance regulations. After reimbursement, the money given to you includes: 500 yuan for examination fee + 2,000 yuan for hospitalization and surgery fee + 1,189 yuan/month × 4 months = 7,256 yuan, 1,189 yuan/month × 4 months is specially reimbursed by the medical insurance center

Girls are subsidized, and only girls can get it

The state stipulates that girls should be reimbursed for maternity insurance.

When you take the insurance, you must pay 4 months’ average salary, so if you reimburse for childbirth, you not only don’t have to spend money, but you can also earn 4 months’ salary! If your base payment is higher than your salary, for example, if you take 1,000 yuan, you will pay 1,189. Then you still make money

You have to pay for maternity insurance for at least one year before you can enjoy it, remember this

In addition, there is another question, boys also pay for maternity insurance~ So can boys enjoy it? What about maternity insurance?

If you are a boy and your wife is not working or your workplace does not pay for insurance, and it has been more than a year since you paid for maternity insurance when she gave birth, you can also reimburse for the birth. Insurance, but taking the previous example, you can only be reimbursed 500 yuan for examination fee + half of 2,000 yuan for hospital surgery = 1,250 yuan, and you won’t be able to enjoy the subsidy of 1,189 yuan/month x 4 months’ salary! This is only available to girls when they are reimbursed~

For the same expense, girls can get 7,256 yuan for reimbursement, while boys can only get 1,250 yuan for reimbursement. This is probably one of the rare cases of "discrimination against men" in China. Regarding the policy--+

So, it is better for girls to plan before giving birth and start paying maternity insurance to an employer a year in advance. It can make a lot of money! And if boys want to marry a wife, it is best to It would be better to marry a girl who has already paid maternity insurance for a year when giving birth, and the base payment is higher than her own salary! But it doesn’t matter if she really doesn’t have insurance, you can still reimburse her for maternity insurance, but you don’t You will receive a 4-month salary subsidy, and you can only get back half of the reported expenses.

Unemployment insurance

Unemployment insurance also requires you to pay for it for a year before you can enjoy it. Generally, you will get 2 months after paying for 1 year, and 4 months after paying for 2 years, but the maximum is for a lifetime. Let’s take 24 months. Here’s an example:

If you started paying insurance on January 1, 2007, and you were fired by the company in January 2008, you can ask the company to give you 2 months. For unemployment insurance, if you paid the insurance based on 1189 this year, you can get at least more than 800 yuan in two months. Or you started paying insurance on January 1, 2007. In January 2008, you and The company contract has expired, and if neither of you wants to renew it, you can also ask the company to get 2 months of unemployment insurance for you before leaving the company, which is more than 800 yuan. That means that you can do it either when the contract expires or the company dismisses you. Ask the company to handle it for you based on the ratio of two months of unemployment benefits a year. If the company doesn't handle it for you, you can file a lawsuit against it. Each lawsuit will be accurate.

But if you resign on your own before the contract expires, you will not be able to enjoy unemployment insurance even if you have paid for 1 year.

As long as you resign on your own, let alone pay 1 Even if you pay unemployment insurance for 10 years, you won't get a penny when you resign.

The housing provident fund is a good thing

Let’s put it this way, if you pay 200 yuan for the provident fund every month, then the company will also add 200 yuan to your account every month. When you buy a house, this is 400 yuan. If you pay 50,000 yuan in your lifetime, then you will have 100,000 yuan in your account. Don't refuse this kind of good thing.

The provident fund can be used to buy a house, repay loans, decorate and so on. If you can find land to build a house in your own home, the money to build the house can also be paid from the provident fund

If You have never used this money, but it seems that you can withdraw all the money when you finally retire

[Advanced] Various supplementary instructions [5KB]

Let’s talk about the differences from Nanjing Well, the city does not allow non-payment of medical insurance. In other words, the social insurance center includes pensions, medical care, unemployment, work-related injuries, and maternity, and asks the company to collect it. However, the provident fund can be paid or not, because this is under the jurisdiction of the provident fund center. .

The specific proportion of social security is:

Pension insurance: the employer pays 22% for you every month, and you pay 8% yourself;

Medical insurance: The employer pays 12% for you every month, and you pay 2%;

Unemployment insurance: The employer pays 2% for you every month, and you pay 1%;

Work-related injuries Insurance: Your employer pays 0.5% for you every month, and you don’t have to pay a penny;

Maternity insurance: Your employer pays 0.5% for you every month, and you don’t have to pay a penny;

Housing Provident Fund: The unit pays 7% for you every month, and you pay 7% yourself

Supplementary Housing Provident Fund: The unit pays 8% for you every month, and you pay 8% % (this is only available to state-owned enterprises with good general benefits, and the ratio is determined by the company itself. Generally, it is moral for companies to pay a provident fund)

Another thing to mention is social security and personal tax adjustment Relationship

When paying the personal tax adjustment, the taxable base is calculated after deducting the personal deduction. However, one thing should be noted that the portion of the provident fund and supplementary provident fund exceeding 12% (individual and The portion paid by the enterprise) also needs to be counted in the taxable base

For example, the provident fund mentioned above is 7% and the supplementary provident fund is 8%. The total is 15%, so the 3% of the personal deduction must be counted. Among the tax payable, at the same time, although the 3% of the enterprise's tax is not deducted from the individual's salary, it is still included in the taxable base. In other words, the individual has to pay for the individual tax adjustment on this expense.

When it comes to medical insurance, different places have different methods of transferring money into personal accounts.

What I like to talk about is Nanjing’s method of transferring money into personal accounts on a monthly basis, and many places use a yearly method.

To be specific, the medical insurance year is from April 1 of each year to March 31 of the following year. At the same time, the change of the social security payment base is also determined in early to mid-April.

On April 1, the Medical Insurance Bureau will withhold one year's personal medical insurance (that is, the 2%) according to each person's social security base and enter it into the personal medical insurance card account. But at this time, a problem arises. On April 1, the social security base for that year has not yet been established. The Medical Insurance Bureau can only estimate the personal medical insurance premiums for the current year based on the previous year's base. So what should we do with this difference? That is to make up for the undercount or deduct the overpayment on April 1 of the next year

Maybe such a long paragraph may seem troublesome, so let’s give an example

< p>A person's average monthly income was 5,000 yuan in 2004, 4,000 yuan in 2005, and 6,000 yuan in 2006

When the Medical Insurance Bureau credited the amount to the personal account on April 1, 2006, The Social Security Center has not yet approved the payment base for 2006 (that is, the average monthly income in 2005), so the Medical Insurance Bureau still calculates the annual personal account amount based on the payment base for 2005 (that is, the average monthly income in 2004). That is, 5000*2%*12=1200,

But in fact, the amount of this person’s personal account this year should be 4000*2%*12=960,

So this The extra 240 yuan will be deducted on April 1, 2007. At the same time, the personal bonus for the new year that was credited to the account on April 1, 2007 is still 960 yuan (actually it should be 6000*2%*12=1440 yuan). The short payment of 480 yuan will be made up on April 1, 2008. return.

So because most people have different payment bases every year, almost everyone’s total account number in March each year is different from the amount of previous years’ accounts seen in April. This is what the Medical Insurance Bureau says It is generated during annual expense accounting.

There is also a time limit issue for work-related injuries. If you were injured at work on July 1, 2007, you must report it to your work unit immediately, and bring the evidence and accident appraisal certificate issued by the police, as well as the time you went to see a doctor or doctor after the work-related injury. Submit your hospitalized medical records to your work unit, and ask your work unit to take these materials for work-related injury identification. Your work unit must send your valid materials to the work-related injury identification center before August 1, 2007. If it has been more than 10 years since your work-related injury, If it takes one month, the work-related injury may not be appraised. If your company does not go to the appraisal center for you, then you can take the materials to the appraisal center for appraisal. It is best not to exceed one month, otherwise it will be very troublesome.

There is a supplement to this point. There are two ways to report work-related injuries. One is the unit declaration, which is valid within 30 days as mentioned above. The other is the individual declaration, which is valid within one year. However, due to For injuries or other reasons, the longer it is delayed, the less evidence there will be. If you declare it personally, you will waste a lot of time and energy because you don't understand the process.

In terms of maternity insurance, for miscarriage, dystocia, multiple births, and premature birth, you can check the link below for details. Although it is Shanghai’s policy, there are similarities in various places. There may be differences in policies between Shanghai and Nanjing. The company will never care about reimbursement in this area. Medical insurance is directly linked to pregnant women. During the period of fertility examination, delivery and hospitalization, everything within the scope of medical insurance is paid by the medical insurance. Of course, it is self-pay. Items (such as high-end wards, self-paid medicine, etc.) must still be borne by yourself.

After giving birth to the child, I went to the Medical Insurance Bureau to apply for maternity subsidy, and the Medical Insurance Bureau gave me 3,000 yuan. For social security, another three months of payment base income will be given

If you have a child late in life, add half a month, and if you have multiple babies, add one extra month and half a month

If you have a child in the previous year If the average monthly salary income is greater than the upper limit of the social security payment base, then the social security will only pay the payment base, and the rest will be paid by the company

For example, a person's average monthly salary income in the previous year was 10,000, and the social security The base cap is 7392.

Then the monthly income provided by social security is 7392, and the remaining 10000-7392=2608 is paid by the employer.

(Although I think this situation is not easy for the readers in the cloud to encounter=.=.)

In fact, there are two key points:

p>

1. Pay for one year before giving birth

2. Declare the social security payment base normally

So students, especially female students, don’t think that the company gives you It doesn’t matter whether the base number you declare is high or low. You may even feel lucky that your salary is higher because the base number is lower. At this point, you will see the problem!

This is why so many female employees would rather stay in places where wages are low but social security is fully claimed and then change jobs after giving birth. First of all, small places don’t like unmarried female employees. Secondly, maternity insurance is also a huge income supplement.

For example, if a person’s normal salary is 3,000, but her year-end bonus and other bonus income are included in the social security base declaration, then the monthly average may reach 5,000. At this time, the monthly salary will be 5,000. The income is 5,000 per month.

If you don’t use the money all the time, it seems that you can withdraw all the money when you finally retire.

It’s not superficial, it is absolutely possible! Moreover, provident fund loans have much lower interest rates than commercial loans, which is also a big benefit.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance