What you need to know about five insurances and one fund

       

       

1、 Five social insurance and one housing fund ？

• endowment insurance
• Medical insurance
• maternity insurance
• employment injury insurance
• unemployment insurance
• Accumulation fund

       

       

2、 Endowment insurance contribution ratio ？

        Policies vary from place to place , With 2019 Take Beijing's endowment insurance contribution ratio in as an example , Paid by individuals 8%, Paid by unit 16%.
        If Xiao Ming's monthly basic salary is 1 Ten thousand yuan , The endowment insurance he has to pay is 10000x8%=800 element , His company should pay 10000x16%=1600 element . The part paid by individuals goes into Personal account , The part paid by the company goes into Overall account .
       

       

3、 How many years can I get the endowment insurance ？

        According to the state regulations , The endowment insurance is fully paid 15 year You can get it after retirement , There is a formula for calculating the received amount , The specific calculation is omitted here , In short, more money is more , Pay less .
        As mentioned above, the part of individual payment is entered into the individual account , The part paid by the company will be entered into the overall planning account , If not fully paid 15 year , Then Xiao Ming can only get the part of his personal account , There is no way to get the part in the overall account .

       

       

4、 Proportion of medical insurance payment ？

        With 2019 Take Beijing as an example , personal 2%+3 element , Company 10%. The part paid by individuals + Of the unit part 1% Get into Medical insurance card , It is directly deducted when you see a doctor and take medicine , The rest of the company's contribution goes to Overall account , When the amount of medical treatment meets the reimbursement standard , You can use this money .

        However, there is also a ceiling on the reimbursement amount of the co-ordination account , If you exceed this limit, you will not be reimbursed , If you get any serious illness , It is likely that the reimbursement amount will exceed the upper limit , Therefore, it is suggested to buy a supplementary medical insurance , The part exceeding the reimbursement limit of the overall account can be reimbursed by supplementary medical insurance , Supplementary medical insurance to buy , But expect that this insurance will never be used .

       

       

5、 Housing provident fund contribution ratio ？

        Each local policy is different ,2020 In, Beijing stipulated that the contribution ratio of provident fund was 5%~12%, The specific proportion shall be specified by the unit . If Xiaoming's unit pays accumulation fund according to the upper limit , That is to say 12%, If Xiao Ming's monthly basic salary is 1 Ten thousand yuan , Then Xiao Ming has to pay 10000x12%=1200 element , The unit shall pay in the same proportion 10000x12%=1200 element , this 2400 element All access to personal accounts .
       

       

6、 Can housing accumulation fund be used to rent a house ？

        Certainly. , But it can only be taken out in a certain proportion , It doesn't mean that no matter how much your rent is, it can all be offset by the provident fund , The specific proportion is omitted here .

        If Xiao Ming has a plan to buy a house , Suggest Xiao Ming It is best not to move the money in the provident fund account before buying a house , Because the loan amount when buying a house shall not exceed the balance of the account 10 times , If there is... In the balance of Xiaoming's provident fund account 3 Ten thousand yuan , Then he can borrow about with his provident fund 30 Ten thousand yuan , The loan interest rate of general provident fund is 4.5%, The bank's loan interest rate is 6.5%, If Xiaoming only has 1 Ten thousand yuan , Then he can only borrow from the provident fund 10 Ten thousand yuan , The rest of the money will have to be lent at a higher interest rate , It's not worth it , Therefore, it is better not to use the money in the provident fund account in advance if you have a house purchase plan , Of course , If Xiao Ming can buy a house in full , Use whatever you like .

        If the balance in Xiaoming's provident fund account is much higher than the upper limit of Xiaoming's loan , For example, the upper limit of the loan limit in Beijing is 80 ten thousand , Then the balance of the provident fund account is 8 ten thousand , Then Xiao Ming can surpass 8 The part of ten thousand is extracted , For renting a house or something .

       

       

7、 The new job and the original job are in different cities , What about the social security already paid after changing jobs ？

        You can apply for Transfer social security , Please consult the local social security bureau for specific procedures . The five insurances and one fund can be transferred , Only endowment insurance 、 Medical insurance and housing provident fund .
       

       

8、 The new job and the original job are in different cities , Do you have to transfer social security after changing jobs ？

        not always .

        If Xiao Ming wants to buy a house for the elderly in the city where his new job is located , Xiao Ming can transfer the social security .
        If Xiao Ming doesn't plan to buy a house in that city for the elderly , And don't bother . State regulations , If you pay more social security , The insured place is different from the registered residence place , Press the last full 10 The place where the pension was received was determined in ; If you don't pay enough in all places 10 year , Then transfer the pension relationship and relevant funds of the insured back to the registered residence , The pension is paid by the registered residence .

       

       

9、 The new job is in the same city as the old one , What about the social security already paid after changing jobs ？

        In this case, there is no need to transfer social security , The new employer then pays social security .