First of all, Xiamen is really livable. Many people come to work in Xiamen and hope to settle down here. However, the wage level in Xiamen is far from the house price. . . This has led to the emergence of this problem. As for the price, in fact, I think it's ok, as long as I don't go to places with many tourists. For example, I work on the ferry next to Zhongshan Road opposite Gulangyu Island. Lunch is almost ten yuan, better 15. It's really not expensive But I still hope that the salary level can be higher. "Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund.

A few days ago, Ministry of Human Resources and Social Security announced that the social insurance will be reduced from "five insurances and one fund" to "four insurances and one fund", which means that employees' social security contributions will be reduced.

Entrusted by the State Council, Minister Yin Weimin of Ministry of Human Resources and Social Security explained the draft. The draft stipulates that the maternity insurance fund will be temporarily included in the collection and management of the basic medical insurance fund for employees, taking Handan, Neijiang and other places 12 as pilots.

To put it simply: maternity insurance and basic medical insurance, these "two insurances" have merged! After the merger of the two insurances, the future will be four insurances and one gold. Five insurance and one gold companies and their own payment ratio: the pension insurance unit payment ratio is 2%, and the individual payment ratio is 8%; Medical insurance unit contribution rate 1%, individual contribution rate 2%. The contribution rate of industrial injury insurance units is .2-1.9%, and individuals do not pay; Maternity insurance unit contribution rate 1%, individuals do not pay; The contribution rate of unemployment insurance units is 1%, and that of individuals is 0.5%. Housing provident fund units and individuals each pay 7%.

Provident fund deposit ratio: the deposit ratio of housing provident fund of financial allocation units, state-owned and state-holding enterprises shall not be higher than 12%, and the part of other units that is higher than 12% shall be taxed according to the national tax policy. Housing provident fund deposit ratio shall not be less than 6%.

Regarding the payment ratio of five insurances and one gold, Xiaobai in the workplace may not know much about it. The ratio given above is for reference only, because each region and each unit has a unique financial system, so you should consult the company's financial personnel. The above is the content of the new policy of five insurances and one gold.