Excluding five insurances and one gold, what is the average salary in Ningbo?

Many employees who work in the employer need to pay five insurances and one gold, but some people want to "discount" the five insurances and one gold, so that the employer does not pay five insurances and one gold, and then directly looks for gold. So, is five insurances and one gold compulsory? How much is the monthly payment for five insurances and one gold?

Is five insurances and one gold compulsory?

Is five insurances and one gold compulsory? Among the five insurances and one gold, five insurances (also called social security) are compulsory, which is the same in the whole country. Employers who fail to pay social security will bear the responsibility. As for whether one gold (also known as provident fund) is compulsory, it depends on the provident fund payment policies in various places. Some cities stipulate that housing accumulation fund is compulsory.

How much is the monthly payment for five insurances and one gold?

Take Shanghai as an example. At present, there is a view in the society that the "three funds" (pension, medical care and unemployment) are mandatory, and the housing accumulation fund is only a welfare treatment, not mandatory. Units can decide whether to pay or not according to their own benefits. This view is misunderstood and wrong.

Provident fund management center is responsible for the management and operation of housing provident fund in this Municipality, supervising and inspecting the deposit, withdrawal and use of housing provident fund of units and employees in this Municipality, and performing the functions of administrative punishment according to law. If the unit fails to pay the housing provident fund for the employees who establish labor relations with it, the employees may complain to the municipal provident fund management center and the district and county management departments.

How much is the monthly payment for five insurances and one gold?

Pension insurance payment ratio: unit 2 1% (all included in the overall fund) and individual 8% (all included in the personal account). Proportion of medical insurance payment: unit 9%, individual 2%+3 yuan. Unemployment insurance payment ratio: 2% for the unit and 0/%for the individual. Work-related injury insurance payment ratio: the unit pays 0.5% for you every month, and employees don't have to pay. Work-related injury insurance determines its work-related injury rate according to the industry scope divided by the unit, with the range of 0.5%-2%.

Maternity insurance payment ratio: the unit pays 1% for you every month, and employees don't have to pay a penny. Housing provident fund deposit ratio: according to the actual situation of enterprises, 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.