Social Insurance & Housing Fund Pack
Housing fund, medical reimbursement, flexible employment, unemployment benefits, injury compensation, maternity pay, delayed retirement and pension — a life-cycle map of social insurance.
Most social-insurance losses come from assuming you know: unclear fund loan capacity, deductible/ceiling confusion, wrong flexible-employment bracket, missed 60-day unemployment registration. This pack maps the whole career lifecycle.
8 tools · follow the steps
Use in this order
- 1Housing Fund CalculatorMonthly deposit, compound balance, loan quota
Step 1 · Housing Fund
Monthly contribution and balance snapshot; loan capacity is the minimum of balance-multiple, repayment ability and city cap.
- 2Medical Insurance Reimbursement CalculatorDeductible, rate and annual cap three-segment model
Step 2 · Medical Reimbursement
Deductible → rate → ceiling three-stage model; estimate out-of-pocket before hospitalisation.
- 3Flexible Employment Social Insurance CalculatorPension 20%, tier 60-300%, custom medical rate
Step 3 · Flexible Employment
Pension at 20% (8% to personal account), base from 60-300% brackets — the rational choice between jobs.
- 4Unemployment Benefit CalculatorContribution-tier months · remaining balance · medical paid
Step 4 · Unemployment Benefit
Months by contribution years (<5y: 12, 5-10y: 18, ≥10y: 24), with medical insurance paid by the fund.
- 5Work Injury Compensation CalculatorLump-sum subsidy by grade 1-10 and monthly allowance
Step 5 · Injury Compensation
1-10 grade lump-sum month tables plus monthly allowance for grades 1-4 — match after assessment.
- 6Maternity Allowance CalculatorWage ÷ 30 × leave days and employer top-up
Step 6 · Maternity Pay
Benefit from employer average wage and leave days; claiming path unchanged after maternity merged into medical insurance.
- 7Retirement Age CalculatorChina 2025 delayed-retirement schedule and date
Step 7 · Retirement Age
The 2025 delayed-retirement reform shifts by birth month — look up your exact retirement date.
- 8Pension EstimatorBasic + personal account, replacement rate
Step 8 · Pension Projection
Basic + account pension and replacement-rate estimate — verify your contribution strategy.
Related Guides
Housing Provident Fund Loans: Rates, Limits & How to Apply
HPF rates are ~0.6 percentage points below commercial loans (2.6% vs 3.3% for first homes). Max loan is typically 0.6–1.2M depending on city and account balance. Covers rate tables, limit formulas, the commercial-to-HPF conversion process and common pitfalls.
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Retirement Age: The Delayed Retirement Schedule Explained
China's delayed retirement (from 2025): men 60 → 63 over 15 years (+1 month per 4 months); women cadres 55 → 58 (+1 per 4 months); women workers 50 → 55 (+1 per 2 months). Born later = retire later. Includes the lookup method, flexible early/late options and pension math.
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Take-Home Pay: Social Insurance, Housing Fund & Income Tax
Gross ¥10,000/month takes home roughly ¥7,500–8,000 after social insurance (~10.5%), housing fund (5–12%) and income tax. Includes the full deduction formula, 2025 social insurance base caps, special additional deductions and year-end bonus tax strategy.
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FAQ
Is flexible-employment social insurance worth it?
Pension is 20% self-paid (only 8% to the personal account) with 60-300% base brackets. At minimum keep medical cover; choose pension bracket by long-term income expectations and compare payback years first.
How many months of unemployment benefit?
By contribution years: <5y up to 12 months, 5-10y 18 months, ≥10y 24 months. Requires involuntary separation and registration within 60 days.
When do I retire under the delayed-retirement reform?
From Jan 2025, men gradually move to 63; women move to 55/58 by original bracket, delaying one month every four. Enter your birth date for the exact date.