What are the three guarantees and one fund?

Pension insurance is 28% of your personal income. 8% for individuals and 20% for companies, of which 3% of the 20% and 8% for individuals go into the personal account.

Medical insurance is 10% of personal income, 2% for individuals and 8% for companies. There is a critical illness insurance of 80 yuan/year.

Unemployment insurance is a payment of 2% of personal income. 1% for each company and individual.

Housing provident fund, the ratio is not clear, but when you have your own house, you can use your real estate certificate to pay in advance, instead of waiting to apply when you need to buy a house.