The real weapon of the next batch of cards: how deep is the social security water?
Edit: Rong 360 QadarenSource: Rong 360 originalDate: 2018-01-11
Is social security related to credit cards and loans? In fact, the relationship is great. Today, the card sister will talk about some key issues in social security.
The so-called social security, that is, the five risks in the “five insurances and one gold” we usually say, is a social security system established by the state. The specific five insurances refer to: basic old-age insurance, basic medical insurance, work-related injury insurance, and unemployment. Insurance, maternity insurance. With social security, these five aspects are a bit guaranteed. Frankly speaking, it is medical insurance that can be used, but Kajie has not been to the hospital for several years.
How about paying for social security?
You can get insurance on your own, and you can take three risks (pension, medical care, and unemployment) in the normal channels. You can find five companies and one gold for the agency. However, I feel a bit awkward. I paid for social security and it was too bad. If it is for the next card or the loan, it is better to try various social security contributions, online search and search, pay attention to identify the liar.
Social security base is too deep
“Social security contribution base” is referred to as “social security base”. This is an important reference for many banks and lending institutions to pay the amount of the card, the same monthly income of 5,000 yuan, the company gives you the minimum social security base payment and actual wage payment, the gap is staggering.
For example, the average monthly salary of employees in Beijing in a certain year is 6463 yuan. If your monthly salary is lower than 6463×40%=2585.2 yuan, the payment base of pension insurance and unemployment insurance is calculated according to 2585.2 yuan, if your month If the salary is higher than 6463×3=19092, the base of payment will be calculated according to 19092 yuan. If your monthly salary is between the two, it will be calculated according to personal salary.
For people with monthly wages of 2,585 and 19,092, companies generally have two operations. One is to calculate the contribution based on the actual salary. One is to calculate the personal contribution base very low, paying according to the minimum standard, which is a significant cost for the company, which means that your boss can save more money. Because, the company pays a lot of parts. Let's take a look at the chart. In Shanghai, the salary is 5,000 yuan, and the company needs to pay more than 2,100 social insurance to each employee every month.
According to the minimum base, for the individual, on the one hand, the wages will be more, but it will be more:
First, the lower the contribution, the less pension you receive;
Secondly, the CPF is underpaid, and the individual and the unit's deposits are all paid to the housing provident fund account. The money is owned by the employees. If you pay less, you will lose more.
Finally, in the bank's judgment, if the social security is not paid according to the employee's actual salary, it will be considered as a company with less formal business, and will naturally control the credit card quota and loan amount.
In all fairness, it is a conscience company to pay social security in full wages.
Personal social security inquiry method
Enquiry by the Social Security Center: Bring your ID card to the Social Security Center of the participating city.
Telephone consultation: Call the labor security comprehensive service telephone "12333" for policy consultation and information inquiry.
Internet query: Log in to the labor insurance network or social insurance business website of your city, click on the “Personal Social Security Information Query” window, enter your ID card and password (for example, the password of Qingdao is your social security number), you can check your enrollment. information.
Take Beijing as an example: Social Security has launched a social security APP and pays attention to the WeChat public number: Beijing Social Security Center and Internet access. Register the account password with the social security card number, computer number, ID number, mobile phone number, etc., and enter the social security bureau system by ID number and password.
Social security is more important for the next card. As long as your credit is not bad, the next card is a matter of minutes. If you don't do anything else, the Bank of Communications has a second batch of social security.
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