自己交社保和企业交社保，区别在哪?哪个更划算?一块认识!
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">在<span style="color: black;">选取</span>在<span style="color: black;">伴侣</span>的企业交社保还是自己以灵活就业身份交社保之间，<span style="color: black;">咱们</span><span style="color: black;">必须</span><span style="color: black;">思虑</span><span style="color: black;">有些</span>关键<span style="color: black;">原因</span>。<span style="color: black;">近期</span>有人问我，他失业了，之前交的社保<span style="color: black;">花费</span>让他感到有些<span style="color: black;">包袱</span>。当他和<span style="color: black;">伴侣</span>聊天时，<span style="color: black;">伴侣</span><span style="color: black;">意见</span>将他的养老金和<span style="color: black;">她们</span><span style="color: black;">机构</span>的<span style="color: black;">一块</span>交，等找到正式工作后再转走，<span style="color: black;">亦</span><span style="color: black;">便是</span>挂靠在<span style="color: black;">伴侣</span>的<span style="color: black;">机构</span>交社保。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">那样</span>，哪种方式更划算呢？在讨论这个问题之前，我们<span style="color: black;">必须</span><span style="color: black;">认识</span>两点：</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q5.itc.cn/q_70/images03/20240718/18d16e2514d9495ca9f0a51345c05a6a.png" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">首要</span>，<span style="color: black;">日前</span>企业挂靠缴纳社保<span style="color: black;">实质</span>上是一种违法<span style="color: black;">行径</span>。一旦被<span style="color: black;">发掘</span>，你之前所交的所有<span style="color: black;">花费</span>都将白费。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">其次，<span style="color: black;">针对</span>女性<span style="color: black;">来讲</span>，<span style="color: black;">离休</span>年龄因地区而异。<span style="color: black;">倘若</span>在企业上班，部分地区<span style="color: black;">准许</span>女性50周岁<span style="color: black;">离休</span>。<span style="color: black;">然则</span>，以灵活就业身份缴纳社保的话，<span style="color: black;">非常多</span>地区的<span style="color: black;">离休</span>年龄是55周岁，<span style="color: black;">因此</span>你<span style="color: black;">必须</span>仔细<span style="color: black;">思虑</span>。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q9.itc.cn/q_70/images03/20240718/a2a1438d40924d4283a936b4fd321b20.png" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">接下来，<span style="color: black;">咱们</span>来<span style="color: black;">瞧瞧</span>在<span style="color: black;">伴侣</span>的<span style="color: black;">机构</span>交社保和以灵活就业身份交社保哪个更划算。<span style="color: black;">咱们</span><span style="color: black;">晓得</span>，<span style="color: black;">倘若</span><span style="color: black;">选取</span>在企业缴纳社保，企业和个人<span style="color: black;">必须</span><span style="color: black;">一起</span>承担社保<span style="color: black;">花费</span>。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">以养老保险为例，<span style="color: black;">倘若</span>你是以灵活就业身份缴纳，你<span style="color: black;">必须</span>交纳20%的<span style="color: black;">花费</span>，其中<span style="color: black;">仅有</span>8%进入个人账户。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q4.itc.cn/q_70/images03/20240718/825561adbe404addb9491027bf13d0f7.png" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">而在企业缴纳的话，企业会为你交纳16%进入<span style="color: black;">统一</span>账户，而你只需交纳8%，并且这8%会<span style="color: black;">所有</span>进入个人账户。<span style="color: black;">因此呢</span>，<span style="color: black;">倘若</span>有企业为你缴纳社保，你的缴费金额会大大降低，显然非常划算。但这<span style="color: black;">必须</span>你挂靠的<span style="color: black;">机构</span>愿意承担企业缴纳的部分。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">然而，无论关系多好，挂靠的<span style="color: black;">机构</span><span style="color: black;">一般</span>不会为你承担企业的一部分<span style="color: black;">花费</span>。你<span style="color: black;">亦</span><span style="color: black;">欠好</span>意思<span style="color: black;">需求</span>别人为你支付这一部分。<span style="color: black;">因此呢</span>，在大<span style="color: black;">都数</span><span style="color: black;">状况</span>下，你<span style="color: black;">必须</span>自己承担企业的16%，还要交纳自己的8%。这种<span style="color: black;">状况</span>下，<span style="color: black;">实质</span>上不如你以灵活就业的身份来缴纳社保更划算。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q7.itc.cn/q_70/images03/20240718/e2ab1a94b062442baa2934450986a4fd.png" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">另一</span>，<span style="color: black;">倘若</span>挂靠的<span style="color: black;">机构</span>为你缴纳的是五险一金（养老、医疗、工伤、生育、失业和公积金），那就更加不划算了。<span style="color: black;">由于</span>有些保险你可能<span style="color: black;">基本</span>用不上，<span style="color: black;">例如</span>生育险或失业险。但即使如此，你还是<span style="color: black;">必须</span>支付这部分<span style="color: black;">花费</span>。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">相比之下，以灵活就业身份来缴纳社保<span style="color: black;">实质</span>上只涵盖养老和医疗两部分，<span style="color: black;">况且</span>费率要低<span style="color: black;">有些</span>。例如，养老保险的费率为20%，而企业缴纳的养老保险费率高达24%。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q5.itc.cn/q_70/images03/20240718/49a84018640348f2a4ac0d61e43a7faf.png" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">综上所述，到底是在<span style="color: black;">伴侣</span>的<span style="color: black;">机构</span>挂靠来缴纳社保更合算，还是以灵活就业的身份缴纳社保更划算？这取决于<span style="color: black;">详细</span><span style="color: black;">状况</span>和个人需求。在做决策时，请务必充分<span style="color: black;">认识</span><span style="color: black;">关联</span>政策规定并权衡利<span style="color: black;">坏处</span>。</span></span><a style="color: black;"><span style="color: black;">返回<span style="color: black;">外链论坛：www.fok120.com</span>，查看<span style="color: black;">更加多</span></span></a></p>
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