[{"data":1,"prerenderedAt":882},["ShallowReactive",2],{"article-/articles/xinzi/shebao":3},{"id":4,"title":5,"body":6,"category":871,"date":872,"description":873,"extension":874,"lastReviewed":875,"meta":876,"navigation":877,"path":878,"seo":879,"stem":880,"__hash__":881},"articles/articles/xinzi/shebao.md","社保五险一金详解：每个月交了多少，去哪了？",{"type":7,"value":8,"toc":841},"minimark",[9,13,17,20,24,35,37,41,48,178,183,266,269,271,275,282,409,415,419,444,446,450,454,476,480,497,501,512,516,527,531,542,546,557,559,563,566,635,638,658,660,664,671,676,690,695,707,709,712,715,765,768,779,782,785,805,807,810,813,822,824,827],[10,11,12],"h1",{"id":12},"社保五险一金详解",[14,15,16],"p",{},"每个月工资条上那些扣款，你看懂了吗？社保交了这么多年，钱去哪了？断缴了有什么影响？换工作时怎么处理？本文一次讲清楚。",[18,19],"hr",{},[21,22,23],"h2",{"id":23},"五险一金是什么",[14,25,26,30,31,34],{},[27,28,29],"strong",{},"五险"," = 养老保险 + 医疗保险 + 失业保险 + 工伤保险 + 生育保险\n",[27,32,33],{},"一金"," = 住房公积金",[18,36],{},[21,38,40],{"id":39},"谁来交各交多少","谁来交？各交多少？",[14,42,43,44,47],{},"五险一金由",[27,45,46],{},"个人和单位共同缴纳","，工资条上扣的是你的部分，单位还要额外再付一大笔：",[49,50,51,70],"table",{},[52,53,54],"thead",{},[55,56,57,61,64,67],"tr",{},[58,59,60],"th",{},"险种",[58,62,63],{},"个人缴纳比例",[58,65,66],{},"单位缴纳比例",[58,68,69],{},"说明",[71,72,73,92,110,128,146,161],"tbody",{},[55,74,75,79,84,89],{},[76,77,78],"td",{},"养老保险",[76,80,81],{},[27,82,83],{},"8%",[76,85,86],{},[27,87,88],{},"16%",[76,90,91],{},"合计24%，个人8%进个人账户",[55,93,94,97,102,107],{},[76,95,96],{},"医疗保险",[76,98,99],{},[27,100,101],{},"2%",[76,103,104],{},[27,105,106],{},"5-10%",[76,108,109],{},"各城市差异较大",[55,111,112,115,120,125],{},[76,113,114],{},"失业保险",[76,116,117],{},[27,118,119],{},"0.5%",[76,121,122],{},[27,123,124],{},"0.5-1%",[76,126,127],{},"各城市不同",[55,129,130,133,138,143],{},[76,131,132],{},"工伤保险",[76,134,135],{},[27,136,137],{},"0",[76,139,140],{},[27,141,142],{},"0.2-1.4%",[76,144,145],{},"按行业风险确定，个人不缴",[55,147,148,151,155,158],{},[76,149,150],{},"生育保险",[76,152,153],{},[27,154,137],{},[76,156,157],{},"多数城市已并入医疗",[76,159,160],{},"个人不缴",[55,162,163,166,171,175],{},[76,164,165],{},"住房公积金",[76,167,168],{},[27,169,170],{},"5-12%",[76,172,173],{},[27,174,170],{},[76,176,177],{},"比例相同，可灵活调整",[14,179,180],{},[27,181,182],{},"举例（月薪10,000元，以北京为例）：",[49,184,185,198],{},[52,186,187],{},[55,188,189,192,195],{},[58,190,191],{},"项目",[58,193,194],{},"个人每月缴纳",[58,196,197],{},"单位每月缴纳",[71,199,200,210,220,230,239,249],{},[55,201,202,204,207],{},[76,203,78],{},[76,205,206],{},"800元（8%）",[76,208,209],{},"1,600元（16%）",[55,211,212,214,217],{},[76,213,96],{},[76,215,216],{},"260元（含大额医疗）",[76,218,219],{},"约1,000元",[55,221,222,224,227],{},[76,223,114],{},[76,225,226],{},"50元（0.5%）",[76,228,229],{},"50元",[55,231,232,234,236],{},[76,233,132],{},[76,235,137],{},[76,237,238],{},"约50元",[55,240,241,243,246],{},[76,242,165],{},[76,244,245],{},"1,200元（12%）",[76,247,248],{},"1,200元",[55,250,251,256,261],{},[76,252,253],{},[27,254,255],{},"合计",[76,257,258],{},[27,259,260],{},"约2,310元",[76,262,263],{},[27,264,265],{},"约3,900元",[14,267,268],{},"你的\"成本\"是约2,310元，但公司实际为你支出的社保成本是约3,900元/月。",[18,270],{},[21,272,274],{"id":273},"_2025年主要城市社保基数7月起生效","2025年主要城市社保基数（7月起生效）",[14,276,277,278,281],{},"社保不是按实际工资缴纳，而是按",[27,279,280],{},"缴费基数","：",[49,283,284,297],{},[52,285,286],{},[55,287,288,291,294],{},[58,289,290],{},"城市",[58,292,293],{},"基数下限",[58,295,296],{},"基数上限",[71,298,299,310,321,332,343,354,365,376,387,398],{},[55,300,301,304,307],{},[76,302,303],{},"北京",[76,305,306],{},"7,162元",[76,308,309],{},"35,811元",[55,311,312,315,318],{},[76,313,314],{},"上海",[76,316,317],{},"7,310元",[76,319,320],{},"36,549元",[55,322,323,326,329],{},[76,324,325],{},"广州",[76,327,328],{},"5,500元",[76,330,331],{},"27,501元",[55,333,334,337,340],{},[76,335,336],{},"深圳",[76,338,339],{},"4,775元",[76,341,342],{},"27,549元",[55,344,345,348,351],{},[76,346,347],{},"成都",[76,349,350],{},"4,588元",[76,352,353],{},"22,938元",[55,355,356,359,362],{},[76,357,358],{},"杭州",[76,360,361],{},"4,986元",[76,363,364],{},"25,299元",[55,366,367,370,373],{},[76,368,369],{},"武汉",[76,371,372],{},"4,498元",[76,374,375],{},"22,488元",[55,377,378,381,384],{},[76,379,380],{},"南京",[76,382,383],{},"4,952元",[76,385,386],{},"24,762元",[55,388,389,392,395],{},[76,390,391],{},"西安",[76,393,394],{},"4,420元",[76,396,397],{},"22,099元",[55,399,400,403,406],{},[76,401,402],{},"重庆",[76,404,405],{},"4,260元",[76,407,408],{},"21,303元",[410,411,412],"blockquote",{},[14,413,414],{},"数据来源：各城市人社局2025年公告。每年7月随上年度职工平均工资调整。",[416,417,418],"h3",{"id":418},"基数上下限的实际含义",[420,421,422,430,437],"ul",{},[423,424,425,426,429],"li",{},"你的工资 \u003C 下限 → 按",[27,427,428],{},"下限","计算（你按更高基数缴，对你有利）",[423,431,432,433,436],{},"你的工资在上下限之间 → 按",[27,434,435],{},"实际工资","计算",[423,438,439,440,443],{},"你的工资 > 上限 → 按",[27,441,442],{},"上限","计算（超出部分不计入）",[18,445],{},[21,447,449],{"id":448},"这些钱去哪了","这些钱去哪了？",[416,451,453],{"id":452},"养老保险退休后的保障","养老保险：退休后的保障",[420,455,456,463,470,473],{},[423,457,458,459,462],{},"个人缴纳的8%全部进入",[27,460,461],{},"个人账户","（你的钱）",[423,464,465,466,469],{},"单位缴纳的16%进入",[27,467,468],{},"统筹账户","（用于发放当前退休人员养老金）",[423,471,472],{},"退休条件：缴满15年且达到法定退休年龄，可按月领取养老金",[423,474,475],{},"养老金金额与缴费年限和缴费基数正相关，缴得越多、越久，退休金越高",[416,477,479],{"id":478},"医疗保险看病报销","医疗保险：看病报销",[420,481,482,488,491,494],{},[423,483,484,485,487],{},"部分进入",[27,486,461],{},"（可用于药店购药、日常门诊），部分进入统筹账户",[423,489,490],{},"住院费用按比例报销（60%-90%不等，视城市和医院级别）",[423,492,493],{},"门诊大病（慢性病）可享受特殊报销政策",[423,495,496],{},"退休后缴费年限满足条件，可享受免费（或低费）医保",[416,498,500],{"id":499},"失业保险失业期间的收入","失业保险：失业期间的收入",[420,502,503,506,509],{},[423,504,505],{},"失业后可每月领取失业金（需满足条件：非本人意愿失业、已缴纳1年以上、已办理失业登记）",[423,507,508],{},"领取时长：缴纳1-5年可领3个月，每满1年增加1个月，最多领24个月",[423,510,511],{},"领取金额：约当地最低工资的70-80%",[416,513,515],{"id":514},"工伤保险工作中受伤的保障","工伤保险：工作中受伤的保障",[420,517,518,521,524],{},[423,519,520],{},"工作期间受伤，医疗费用由工伤保险基金支付",[423,522,523],{},"根据伤残等级，可获得一次性伤残补助金",[423,525,526],{},"个人完全不缴纳，成本由单位承担",[416,528,530],{"id":529},"生育保险生育相关费用","生育保险：生育相关费用",[420,532,533,536,539],{},[423,534,535],{},"产假期间工资（生育津贴）由生育保险基金支付",[423,537,538],{},"产检费、生育手术费可按规定报销",[423,540,541],{},"多数城市已将生育保险并入医疗保险统一管理",[416,543,545],{"id":544},"住房公积金购房租房退休提取","住房公积金：购房、租房、退休提取",[420,547,548,551,554],{},[423,549,550],{},"用途：购房贷款、租房提取、退休后提取、特殊困难提取",[423,552,553],{},"公积金贷款利率远低于商业贷款（2024年5年期以上公积金贷款利率3.1%）",[423,555,556],{},"离职不能立即提取（除非满足提取条件），但账户余额仍是你的钱",[18,558],{},[21,560,562],{"id":561},"公积金怎么用","公积金怎么用？",[416,564,565],{"id":565},"可以提取的情形",[49,567,568,577],{},[52,569,570],{},[55,571,572,575],{},[58,573,574],{},"提取情形",[58,576,69],{},[71,578,579,587,595,603,611,619,627],{},[55,580,581,584],{},[76,582,583],{},"购房",[76,585,586],{},"购买自住住房，可提取本人及配偶账户",[55,588,589,592],{},[76,590,591],{},"还商业贷款",[76,593,594],{},"每年可提取用于偿还住房商业贷款",[55,596,597,600],{},[76,598,599],{},"租房",[76,601,602],{},"在主要工作城市无自有住房，每月可提取（各城市金额不同）",[55,604,605,608],{},[76,606,607],{},"退休",[76,609,610],{},"达到退休年龄，全额提取",[55,612,613,616],{},[76,614,615],{},"户籍迁出",[76,617,618],{},"户籍迁出缴存城市，可全额提取",[55,620,621,624],{},[76,622,623],{},"出国定居",[76,625,626],{},"全额提取",[55,628,629,632],{},[76,630,631],{},"重大疾病",[76,633,634],{},"本人或家庭成员患重大疾病，可提取",[416,636,637],{"id":637},"离职后怎么处理",[420,639,640,646,652],{},[423,641,642,645],{},[27,643,644],{},"封存","：公积金账户自动进入封存状态，账户余额保留",[423,647,648,651],{},[27,649,650],{},"转移","：新单位开立新账户后，可申请将封存账户余额转入",[423,653,654,657],{},[27,655,656],{},"不影响贷款资格","：只要账户未注销，不影响未来使用公积金贷款",[18,659],{},[21,661,663],{"id":662},"公司不缴社保怎么办","公司不缴社保怎么办？",[14,665,666,667,670],{},"公司有法定义务为员工缴纳社会保险，",[27,668,669],{},"自用工之日起","，试用期也必须缴纳。",[14,672,673],{},[27,674,675],{},"公司常见违法行为：",[420,677,678,681,684,687],{},[423,679,680],{},"试用期不缴（违法）",[423,682,683],{},"按最低基数虚报（违法）",[423,685,686],{},"不同项目单独以\"补贴\"替代社保（违法）",[423,688,689],{},"离职时中断缴纳但未告知（影响权益）",[14,691,692],{},[27,693,694],{},"维权方式：",[696,697,698,701],"ol",{},[423,699,700],{},"向社保局投诉，要求公司补缴（公司支付全部漏缴金额，含单位和个人两部分）",[423,702,703,704],{},"如因公司未缴社保，劳动者可按《劳动合同法》第38条主张",[27,705,706],{},"被迫离职经济补偿金",[18,708],{},[21,710,711],{"id":711},"断缴的影响与补救",[416,713,714],{"id":714},"断缴对你的影响",[49,716,717,726],{},[52,718,719],{},[55,720,721,723],{},[58,722,60],{},[58,724,725],{},"断缴后主要影响",[71,727,728,735,742,749,757],{},[55,729,730,732],{},[76,731,96],{},[76,733,734],{},"部分城市断缴后有等待期（3-6个月），期间就医费用不报销",[55,736,737,739],{},[76,738,78],{},[76,740,741],{},"累计缴费年限减少，退休后养老金降低",[55,743,744,746],{},[76,745,114],{},[76,747,748],{},"连续缴纳年限重新计算，影响失业金领取资格",[55,750,751,754],{},[76,752,753],{},"公积金",[76,755,756],{},"贷款申请可能受限（部分城市要求连续缴纳6-12个月）",[55,758,759,762],{},[76,760,761],{},"积分落户",[76,763,764],{},"北上广深等城市积分落户要求连续缴纳，断缴影响积分",[416,766,767],{"id":767},"换工作期间如何保持连续",[696,769,770,773,776],{},[423,771,772],{},"入职新单位前，确认新公司的入职日期和原公司离职日期能在同月衔接",[423,774,775],{},"询问新公司何时开始缴纳社保（部分公司次月才办理）",[423,777,778],{},"空档期超过1个月，可以灵活就业人员身份自行续缴养老和医疗保险",[416,780,781],{"id":781},"以灵活就业人员身份缴纳",[14,783,784],{},"离职空档期或自由职业者，可在户籍地或居住地社保局，以个人身份续缴：",[420,786,787,793,799],{},[423,788,789,792],{},[27,790,791],{},"可缴险种","：养老保险 + 医疗保险（失业、工伤、生育不可个人缴纳）",[423,794,795,798],{},[27,796,797],{},"缴费比例","：养老约20%，医疗按当地标准（比单位在职低）",[423,800,801,804],{},[27,802,803],{},"办理渠道","：当地社保局或社保APP",[18,806],{},[21,808,809],{"id":809},"使用社保计算器",[14,811,812],{},"想知道你所在城市、你的工资水平下，每月具体扣多少、单位帮你缴多少？",[14,814,815,816,821],{},"使用 ",[817,818,820],"a",{"href":819},"/tools/shebao","社保计算器"," 选择城市、输入月薪，立即得到五险一金完整明细。",[18,823],{},[21,825,826],{"id":826},"法律依据",[420,828,829,832,835,838],{},[423,830,831],{},"《社会保险法》第四条、第十条（强制参保义务）",[423,833,834],{},"《社会保险法》第五十八条（用人单位参保登记义务）",[423,836,837],{},"《住房公积金管理条例》第十五条（单位缴存义务）",[423,839,840],{},"《劳动合同法》第三十八条（未缴社保可主张被迫解除）",{"title":842,"searchDepth":843,"depth":843,"links":844},"",2,[845,846,847,851,859,863,864,869,870],{"id":23,"depth":843,"text":23},{"id":39,"depth":843,"text":40},{"id":273,"depth":843,"text":274,"children":848},[849],{"id":418,"depth":850,"text":418},3,{"id":448,"depth":843,"text":449,"children":852},[853,854,855,856,857,858],{"id":452,"depth":850,"text":453},{"id":478,"depth":850,"text":479},{"id":499,"depth":850,"text":500},{"id":514,"depth":850,"text":515},{"id":529,"depth":850,"text":530},{"id":544,"depth":850,"text":545},{"id":561,"depth":843,"text":562,"children":860},[861,862],{"id":565,"depth":850,"text":565},{"id":637,"depth":850,"text":637},{"id":662,"depth":843,"text":663},{"id":711,"depth":843,"text":711,"children":865},[866,867,868],{"id":714,"depth":850,"text":714},{"id":767,"depth":850,"text":767},{"id":781,"depth":850,"text":781},{"id":809,"depth":843,"text":809},{"id":826,"depth":843,"text":826},"社保","2026-03-01","详解养老、医疗、失业、工伤、生育五险和住房公积金的缴纳比例、用途、2025年各城市社保基数上下限，以及断缴、补缴、离职后社保如何处理。","md","2026-03-27",{},true,"/articles/xinzi/shebao",{"title":5,"description":873},"articles/xinzi/shebao","GWbo2IbJfhgxr2MkKnptKud7bEX4P2TrJP4XjBlXVGI",1776774519741]