Paying five insurances is the basic guarantee for one's life, and there is corresponding compensation or living expenses for childbirth, illness, pension, work injury and unemployment.
If you pay the provident fund, you can mainly make provident fund loans when you buy a house. Interest is much lower than commercial loans, which can greatly reduce the pressure on mortgage loans. There are still many benefits.
2. What are the benefits of five insurances and one gold?
Housing provident fund is a good thing.
Let's just say that if you pay 200 yuan into the provident fund every month, the company will also pay 200 yuan into your account every month to buy a house.
This is 400 yuan. If you pay 50,000 yuan in your life, your account will be 6,543,800 yuan. This kind of good thing will definitely not happen.
Say no.
Provident funds can be used to buy a house, repay loans, decorate and so on. Build a house if you can find land in your home.
This money can also be drawn from the provident fund.
If you haven't been using the money, it seems that you can withdraw all the money when you finally retire.
[Advanced] Supplementary Notes [5kb]
Let's talk about the difference between Nanjing and Nanjing. Magic is not allowed to pay medical insurance, which means that the social security center is a package.
Including pension, medical care, unemployment, work injury and maternity, it is optional to pay the provident fund because it belongs to the provident fund.
Jurisdiction of the center
The specific social security composition ratio is:
Endowment insurance: the unit pays you 22% every month, and you pay 8% yourself;
Medical insurance: the unit pays you 12% every month, and you pay 2% yourself;
Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%;
Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny yourself;
Maternity insurance: the unit pays you 0.5% every month, and you don't have to pay a penny yourself;
Housing accumulation fund: the unit pays you 7% every month, and you pay 7% yourself.
Supplementary housing provident fund: the unit pays you 8% every month, and you pay 8% yourself (this is only a state-owned enterprise with good general welfare)
Only a few, and the proportion is determined by the company itself. It is very ethical for general companies to pay provident fund. )
Another thing to talk about is the relationship between social security and individual tax adjustment.
When paying individual tax adjustment, the tax base is calculated after deducting personal deduction, but one thing should be noted.
The part of the provident fund and supplementary provident fund that exceeds 12% (the part paid by individuals and enterprises) also needs to be included in the tax base.
For example, if the above 7% provident fund and 8% supplementary provident fund add up to 15%, then the 3% part of personal deduction will be counted.
In the taxable amount, at the same time, 3% of enterprises, although not deducted from personal wages, are still taxable.
On the base, that is to say, individuals have to pay for the adjustment tax of this fee.
What are the benefits of five insurances and one gold?
The functions of "five insurances and one gold" are as follows: after paying the accumulated pension insurance for 15 years, you can receive the basic pension every month after reaching the national legal retirement age; Medical insurance can be enjoyed for life; You can enjoy work-related injury insurance or disability benefits in case of work-related accidents; You can get unemployment insurance money if you are dismissed by the company; Pay maternity insurance premiums, enjoy maternity medical expenses when giving birth, and pay the required funds from the maternity insurance fund; Provident funds can apply for housing provident fund loans. Details are as follows:
Pay endowment insurance. After reaching the minimum age and the statutory retirement age, you can apply for retirement and receive a monthly pension. Pension can be received until death. With the improvement of social living standards, it will only increase rather than decrease, and the amount of capital increase will be adjusted every year, which can ensure the stability and reliability of old age life.
Pay medical insurance. Can get medical insurance reimbursement; If the accumulated contributions on the job reach the minimum number of years, you can enjoy medical insurance benefits higher than on-the-job reimbursement without continuing to pay basic medical expenses after retirement.
Pay maternity insurance. The expenses of prenatal examination, family planning operation and delivery operation can be reimbursed. Moreover, the maternity insurance premium is entirely borne by the unit.
Pay unemployment insurance. You can get unemployment insurance and other subsidies when you are unemployed. Unemployment insurance is a kind of policy insurance, which is usually not available in commercial insurance companies.
Pay industrial injury insurance. You can get compensation for work-related accidents or occupational diseases. Not afraid of 10 thousand, just afraid of one thousand, especially some major accidents, don't worry about small companies defaulting. Moreover, the work-related injury insurance premium is entirely borne by the unit.
Pay housing provident fund. It is equivalent to the unit saving a tax-free income in the same proportion as yours, which can be extracted for housing-related purposes. If you don't use it up at work, you can take it out once after retirement; In addition, the housing provident fund loan interest rate is lower than that of commercial loans.
4. What are the benefits of five insurance and one gold loan?
Paying five insurances is the basic guarantee for one's life, and there is corresponding compensation or living expenses for childbirth, illness, pension, work injury and unemployment. If you pay the provident fund, you can mainly make provident fund loans when you buy a house. Interest is much lower than commercial loans, which can greatly reduce the pressure on mortgage loans. There are still many benefits.