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Can pension loans? Years and proportion of pension payment

Now social security is very popular. Many people know the security and role of social security in life, so more and more people buy social security. So is there a pension for loans? How many years does the pension have to be paid? What is the contribution ratio of pension? This article brings you the introduction of pension payment years and payment proportion. Let's have a look.

Can pension loans

may not. All banks don't lend to retirees unless you have a mortgage.

How many years does the pension have to be paid

Article 16 of the social insurance law stipulates that individuals participating in basic old-age insurance who have paid for 15 years when they reach the legal retirement age shall receive basic old-age pension on a monthly basis. If the accumulated contributions at the time of reaching the legal retirement age are less than 15 years, they can pay the contributions for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social old-age insurance or the social old-age insurance for urban residents, and enjoy the corresponding old-age insurance benefits in accordance with the provisions of the State Council.

Pension contribution ratio

The proportion of individual pension contributions and the factors affecting pension contributions are as follows:

1. Calculation formula of pension insurance benefits: monthly basic pension = basic pension + individual account pension; Among them, the basic pension = (monthly average salary of on-the-job employees in the province in the previous year + my indexed monthly average contribution salary) & pile; 2× Payment years & times; 1% = monthly average salary of on-the-job employees in the province in the previous year (1 + my average payment index) & pide; 2× Payment years & times; 1%; Individual account pension = total savings amount of individual account / months of payment.

2. The basic pension is determined according to the individual's cumulative payment years, payment wages, average wages of local employees, individual account amount, average life expectancy of urban population and other factors.

3. The basic pension consists of overall pension and individual account pension.

4. The basic pension is determined according to the individual's cumulative payment years, payment wages, average wages of local employees, individual account amount, average life expectancy of urban population and other factors.

5. The so-called overall pension, originally known as basic pension, refers to the part of pension paid to retirees from the overall fund composed of employer contributions.

6. The so-called personal account pension refers to the part of pension paid to retirees from the accumulation of employees' personal accounts.