Not long ago, Shenzhen issued a notice:
From January 2024, the social security base will be raised from the previous 2,360 yuan to 3,523 yuan, an increase of 50%.
This is not counting, starting from July 2024, Shenzhen's social security base will rise to the lowest social security base in Guangdong Province, according to the figure in 2023 is 5284 yuan, in fact, it will be adjusted once a year in July, so the base will be higher.
In other words, it has more than doubled compared to the current one.
Whether it is the boss or the wage earner in Shenzhen, they all wail for a while, and the cost of employment is too high.
Among them is also Uncle Seven, because I just went to Shenzhen in the summer to start a business, transferred social security to Shenzhen, and wanted to reduce the cost of living, but I didn't expect that before half a year was paid, Shenzhen began to check and fill in the gaps.
It's sad. But then again, Shenzhen's social security has not become higher, but it used to be too little.
As we all know, China's lowest social security base is calculated according to 60% of the local average wage, for example, the average salary in Shanghai is 12,183 yuan per month, so the lower limit of payment is 7,310 yuan (12,183 * 60%).
Take flexible employment as an example, counting 24% pension insurance and 115% of the medical insurance, then Shanghai flexible employment social security, the minimum payment is 259505 yuan month.
2,600 yuan a month, it's too expensive, it's hard to imagine how an ordinary flexible person can afford such a heavy tax, oh no, social security.
Of course, the calculation method in other provinces and cities is roughly the same, but the average salary in other places is low, so the payment base is also low, so the pressure on social security is not so great.
However, there is one city that is an exception, and that is Shenzhen.
Shenzhen's current social security base is 2,360, which is very low, while the average social wage in Shenzhen is as high as 13,730, the highest in China.
The reason why its social security base is so low is because Shenzhen uses the minimum wage as the basis for payment, and this 2360 is the minimum wage in Shenzhen.
Personally, I think this is more humane and reasonable, since the minimum wage is legal, how can the payment of social security be higher than the base of the minimum wage?
In this case, Shenzhen's social security is very low, and Uncle Seven has paid the second level of non-deep households in the past few months, only 700 yuan a month.
Compared with Shanghai's 2600, there is almost only 1 4 expenditure, and the cost performance is outstanding.
The most important thing is that don't look at the small amount paid in Shenzhen, but the pension can be a lot, and that is because the average salary in Shenzhen is high.
For the calculation of pensions, the two most important factors are the average social wage and the number of years of payment.
Therefore, the friends who work and retire in Shenzhen are actually very blessed.
It's just that this loophole has now been plugged, and Shenzhen's social security should also be on par with the minimum social security base in Guangdong Province.
I calculated that even by July next year, Shenzhen's social security will be less than 1,400 yuan a month, which is still almost half of Shanghai's, and the cost performance is still overwhelming.
It's just that the old man is a little psychologically difficult to accept, just like **buy**, buy it and fall, and sell it up.
Why did I adjust the policy when I first arrived?
I see a lot of comments that it is because many intermediaries keep promoting the cheap social security in Shenzhen, which has led to an influx of a large number of employed people, and the social security is not enough, and now the price can only be increased.
I don't agree with this logic.
The reason why Shenzhen uses such a low social security policy is essentially to attract talents.
Later, more and more outsiders came to Shanghai to buy houses, and the blue seal household registration was cancelled.
In the same way, Shenzhen will have its upper limit when formulating such a policy, and now that the upper limit has arrived, I think it is understandable to change the policy.
The water flows to the lower places, the people go to the higher places, it is reasonable and legal for me to come to Shenzhen to start a business and work, and I even regret that I came late for a long time.
I think instead of criticizing these intermediaries, it is better to calm down and think about why the policy has been adjusted this year, you must know that Shenzhen's social security policy has been implemented for I don't know how many years.
Why, there was no intermediary to enjoy this policy before?
I think the fundamental reason is that in the past, everyone's sensitivity to social security was not so high, on the one hand, the absolute number of social security was not so high, and on the other hand, everyone had a way to steadily increase value.
Whether it is P2P, trust or real estate, in short, everyone feels that their money will definitely increase in value in the future, so they don't put the money on social security at ease.
But these two years are not the same, especially this year, it feels like the fire is completely extinguished, anyway, there is nothing to do with money, no one is powerful, and it is the greatest favor that God gives you if you don't step on the thunder.
Looking at the deposit interest rate, the one-year one has dropped to 145%, money is becoming more and more sensitive.
In the past, everyone was desperately looking for ways to add value, but now everyone is desperately looking for ways to save money.
Obviously, Shenzhen's social security is a good way to save money, so everyone flocked to it in the short term, resulting in tight financial pressure and policy changes.
Therefore, in the next two years, in addition to the preferential policies on real estate, other preferential policies for people's livelihood may be slowly raised, and they are still enjoying the policy, and they can enjoy it day by day.
As for social security, I still say that I still have to pay, and it must be paid according to the minimum, and the cost performance of working in Shenzhen is still very high.
Theoretically, paying for 30 years is much more than paying for 15 years.
But!There are institutions ** Our pension will be exhausted by 2035, and my suggestion is that it is better to pay it at that time and then make plans.
100 help plan
The uncertainty of the coming days is too strong, and the most important thing is the uncertainty of policy, which makes us uneasy.