The essence of the problem: Can 2,000 yuan make up for the lack of five insurances and one housing fund? Conclusion: No, the target of 2,000 yuan is not just five insurances and one housing fund, but the control of various risks, the demand for buying a house, the sense of belonging to living in this city, and the target of retirement treatment after 30 years! Introduce yourself. I have encountered the above two situations for 4 years in private enterprises and 6 years in state-owned enterprises! I used to think that 2,000 yuan was really good, but now I wouldn’t choose the former if I was killed! For companies that do not have five social insurances and one housing fund, don’t go! Resolutely not go! A company that does not have five social insurances and one housing fund is a black-hearted company! When applying for a job, be sure to understand your salary and remuneration, don’t be embarrassed to ask, otherwise it will be your own suffering. The economic foundation determines the superstructure. How to survive without money! Although job seekers are on the weak side in the job search process, they must fight for their own rights and interests! What aspects should be paid attention to when interviewing and discussing salary? Ask about the salary structure, how much is the base salary, how to calculate performance, and is there a year-end bonus? Are housing subsidies, transportation subsidies, communication subsidies, and food subsidies available? Are wages pre-tax or after-tax, are there five social insurances and one housing fund? What is the after-tax salary (approximately equal to the salary after deducting the five insurances and one housing fund) Note: During the probation period, the five insurances and one housing fund must be paid. If you don’t pay the law, the easiest way to fall into the trap is the five insurances and one housing fund. I promised to open 1w before. How did the salary become 8k after getting it? That’s because you didn’t deduct the five insurances and one housing fund. Part of the five social insurance and one housing fund is deducted from the employee’s salary, and part is paid by the company. Taking Beijing in 2020 as an example, if the monthly salary is 1w, then the amount of five social insurance and one housing fund that an individual needs to pay is about 2,220 yuan, and the salary after deducting personal income tax is about 7,607 yuan. The higher the salary, the more deductions. You can search directly on Baidu for [Five Social Insurance and One Fund Calculator], and the calculated result is not much different from the actual one. Next, I will tell you about the “five social insurance and one housing fund” pension insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund. After the statutory retirement age, the pension is received every month, and the conditions: accumulative payment of social security for 15 years and above (note: the longer the payment time, the more the retirement pension). The proportion of payment: 8% for individuals, 19% for companies (salary 1w, personal payment 800 , The company pays 1900) ②Medical insurance basic medical insurance payment ratio: 2% for individuals, 10% for companies (salary 1w, personal payment 200, company payment 1000) ③Unemployment insurance provides material assistance conditions for the unemployed: dismissal without their will ( Be expelled from the company), pay unemployment insurance for one year or more, register for unemployment within 60 days, and have job hunting intentions. (Receipt time limit does not exceed 24 months) Payment ratio: 0.2% for individuals, 0.8% for companies (salary 1w, personal payment 20, company payment 80) ④Work-related injury insurance will be reimbursed if an accident occurs during work and commuting, and employees are injured. A certain percentage of medical expenses. Contribution ratio: Individuals don’t need to pay, the company’s 0.4% (salary 1w, the company’s 24) can’t be written down, [Maternity Insurance] and the most important [Housing Provident Fund] and [Notes] in the last picture, be sure It depends, it’s super important. PS: Recently, many small partners have consulted about job hunting. In today’s difficult job selection and employment difficulties, mastering good interview skills is very important for personal development. Click on the small card below to receive an interview guide for free, and the pro-test is valid!