主题：20万年收入交税2.5万 -- 晨枫

个人缴纳四金（在工资单体现出来）

养老保险金＝ 基数×8%

医疗保险金＝ 基数×2%

失业保险金＝ 基数×1%

住房公积金＝ 基数×7%

单位缴纳四金（在工资单不体现）

养老保险金＝ 基数×22%

医疗保险金＝ 基数×12%

失业保险金＝ 基数×2%

住房公积金＝ 基数×7%

基数是你的工资（税前），当工资高于平均工资三倍的时候，按平均工资三倍缴纳，当工资低于平均工资的60%的时候，按平均工资的60%缴纳。

四金是免税的，所以先扣四金然后得出你的缴税额。

四金账户分个人账户和统筹账户，个人缴纳部分全部进入个人账户，企业缴纳的养老金全部，医疗保险金部分进入统筹账户。统筹账户不会返现给个人，当个人用完个人账户的钱后他可以用统筹账户的钱，总数有个封顶额度。统筹基本上等于税收。

比如医疗保险，看病的时候先用个人账户，等个人账户用完后，门急诊自付。门诊大病和住院由统筹支付，超过累计超过最高支付限额以上的医疗费用，由地方附加医疗保险基金支付80%，个人自负20%。上海最高支付限额是7万。

总之来说是有限度的社会保险。不过就这样现在医院都人满为患，门诊一般都要等一小时，最高的时候等过2个半小时。唯一的好处就是住院非常合算。但是床位一直紧张。不太严重的病也强烈推荐住院，不用排门诊，而且报销比门诊比例高。一个小漏洞

顺带说下，医院现在像火车站。我也很佩服门急诊医生，他们看病一个接一个没休息的，而且我深刻怀疑他们是否有上厕所的时间。所以医生收入高还是应该的。

恩，我们不仅自付上大学的钱，而且还自付中小学学杂费。

听移民加拿大的朋友回来说，她们那是很不愿意加班的，加班费大部分交税了。

中国没有家庭报税制度

2个人合计20万和1个人20万的缴纳税额是不一样的

这个例子里面你根本无法算出他们应缴纳的税额

而且在京沪深广这样的大城市里面，这种人逃税的可能性几乎不存在。

yes, from my perspective as a tax expert.

Given China's poor public service, the pay-as-you-go contribution and income tax are way too high.

晨枫 does not know the topic he is talking about.

BTW, Alberta has the lowest individual income tax burden across Canada. Therefore, it is not correct to generalize from one province's experience to the whole Canada.

因为不用关心房子，孩子

年青人的生活可就没有那么美好了。像俺这种的，每个月几千块，孩子是一时半会的不敢要啊。

晨大的数据库要更新了啊，呵呵。

现在在帝都，夫妻月收在5000以下的话，几本没有什么生活品质可言了吧，最多勉强渡日。

能到1万左右，如果节约一些，可有些许节余。像那种年收入20w的，生活虽然可以不错，但是也不能说就中产了。

tax system.

年收入在6500一下的免征；这以上的加上七七八八的减免，实际上2万以下实际上也不会交什么税；

--Canadian provincial/federal INCOME tax system is designed to minimize burden for low-income people. Actually there are many REFUNDABLE tax credits (like free cash) for low-income people IN ADDITION TO MONTHLY WELFARE CHECKS under all kinds of different welfare programs. Canadian income tax is designed to be very nice to poor ones, bad to middle-class families and extremely mean to high-income families(but they know how to plan and minimize INCOME TAX).

Esp., when the tax system is compared with the American federal income tax system.

BTW, you should not generalize from Alberta to cover the whole Canada. Unlike U.S., in Canada, most income tax revenue goes to provincial government, and federal gov. is much weaker (compared with U.S. federal gov.) in terms of the share in the income tax revenue pool.

That explains why Canadian is actually a conferation of sovereign nations, not a modern nation like US with a strong central gov. Anyway, that's the model picked by Canada's founding fathers.

中国的个人所得税最大的问题是财产不实名制，这就很难“秋后算帐”式地收税。现在好像是发钱的时候直接截留税款，但也留了很大的缺口，尤其对不是工资收入的人。

--wrong. not 个人所得税最大的问题, actually a weakness in the WHOLE TAXATION SYSTEM. When you can not identify owernship of properties, YOU ACTUALLY COULD NOT get another source of revenue: tax revenue based on WEALTH/PROPERTIES (such as real estate tax, capital gain tax and death tax--or in U.S., it is called estate tax; BTW, death tax used to exist in Canada and was eliminated in early 1970s).

Therefore, China's treasury department taxes heavily on LABOR EARNED income (against middle-class and average labor), Corporate INCOME and VALUE in distribution process (VAT), but taxes 0 on WEALTH BASES(from rich and super rich families).

Put in another way: China is like America/Canada before 1900s--super nice to capitalists/rich families/big land owners/property owners, but mean to LABOR.

This will only drive up more wealth disparity in the society and overburden the middle-class families, the pillar of ANY PEACEFUL society.

Now you see where Canada's social harmony (HE XIE) comes from. China is just another Latin America, on a large scale and lots of Chinese are still day dreaming when they are already downgraded from middle-class to underdogs.

if in Alberta/Ontario, yes.

In Quebec and Atlantic provinces, NO!

In North America (US-Canada, mexico excluded), UK, several high-income Western Europe nations, yes.

In Spain/Portugal/Greece, I do not think you are right. Greece is well-known for tax evasion and tax system corruption. According to my previous Spanish girlfriend (she is from a rich family in the jewelry business), Spain is not much better too.

不习惯说税前的，肯定逃税。

七十年产权到期后到底怎么办，还没个定论。

那月收入不到3000的人怎么活啊？

负债消费的是中产

负债经营的是资本家

连负债机会都没有的才是普通劳动者

缴纳的社会保险基本上全部打了水漂。

要么把早饭带到公司吃，或是路上吃。