The five insurances and one housing fund include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance, as well as housing provident fund.
The best time to leave is after the 15th day of each month. The company will pay your five insurances and one gold with 15 days as the dividing limit commonly. If you are employed before 15th, the five insurances and housing fund of the current month shall be borne by the previous company, and those who are employed after 15th shall be paid by the current company. Try to arrange the time for your next job, and grasp the limit of the 15th, so as not to lose the five insurances and one housing fund a month.
1) Pension insurance must be paid for 15 years, and can be enjoyed for life after retirement.
2) Special attention should be paid to medical insurance, which is invalid after more than 3 months, and you have to pay for the medical treatment after 3 months. If health insurance is cut off, minor ailments are fine, major ones are.
So, if you can’t find a job for more than 3 months, you’d better find a third party company to help pay for you. Otherwise, even if you find a job after 3 months, you have to open a new account and pay again.
3) Maternity insurance
The state stipulates that girls must give 4 months ‘average salary when they apply for maternity insurance, so if female friends give birth to a child, they can earn 4 months’ salary without spending money. Birth insurance should hand in a year ability to enjoy at least.
4) Social security refers to the five insurance and one housing fund, can not be cut. Take Beijing as an example. If you don’t have a Beijing hukou, you have to have social security for five consecutive years to be eligible to buy a car or buy a house. In Shenzhen, people must pay social security for one consecutive year before they can buy a house, and two years of social security before they can participate in the car lottery, household registration, and residence permit. As long as there’s a period of time in between, you need to recalculate.
5) Provident fund involves a lot of money, which is very important for buying a house in the future. Accumulation fund capture had better not break, if you buy a house, want to capture continuously commonly for a period of time ability to deal with accumulation fund loan. Provident fund loan breaks interest rate much lower than commercial loan, can save a lot of money for you to buy a house.
Accumulation fund every month capture puts how many and loan quota also have concern. Beijing is provident fund individuals pay more than 1100, it is possible to loan to the upper limit of provident fund 1.2 million.
Average accumulation fund = individual capture puts part (salary 12%, this part is deducted from in your salary) + unit capture puts part (salary 12%, this part is the unit gives you pay). For instance your salary before tax is 10 thousand, so individual capture puts part = 10 thousand *12%=1200 yuan, the unit also should give you pay 1200 yuan to put into your accumulation fund card. So you every month accumulation fund card 1200+1200=2400 yuan.
Some companies will be careless in provident fund, for example, deposit very low proportion to you, so virtually can let you a lot of money less. So be sure to ask before you start. For example, the following community member got the offer, can you find any problems?
However, if the five insurances and one housing fund are paid according to the normal salary, the fund deposited in the provident fund card every month = personal contribution: salary (8000 yuan) *12%+ unit contribution: salary (8000 yuan) *12% =1920 yuan.
This virtually every month your provident fund card will be less 1920 yuan -528 yuan =1392 yuan.
To sum up, it is better not to cut off the five social insurances and one housing fund. If you do not find a job temporarily because of leaving, it is best to find a third-party company in advance to help you temporarily deposit five insurance and one housing fund, and then apply to the new company after finding a job. Each city’s policy will be different, call the corresponding official department for consultation, the sooner you know the better.
