【住房公(gong)積(ji)(ji)金(jin)】住房公(gong)積(ji)(ji)金(jin)有什么用 住房公(gong)積(ji)(ji)金(jin)如何(he)繳存

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公積金是(shi)現在(zai)找工作的基本(ben)配(pei)置，當(dang)然有些(xie)也會缺少公(gong)積金(jin)(jin)這一(yi)塊(kuai)，但(dan)是(shi)相對來(lai)說，工資(zi)就會高一(yi)些(xie)。有些(xie)人覺得只要工資(zi)高，有五(wu)險就夠了，但(dan)事實(shi)真的是(shi)這樣嗎？那么(me)，公(gong)積金(jin)(jin)有什么(me)用(yong)？住房(fang)公(gong)積金(jin)(jin)是(shi)啥意思呢？

一、住房公積金是啥意思？

住(zhu)房公積金(jin)制(zhi)(zhi)度實際上是(shi)(shi)一(yi)種(zhong)住(zhu)房保障(zhang)制(zhi)(zhi)度，是(shi)(shi)住(zhu)房分配貨幣化的一(yi)種(zhong)形式(shi)。住(zhu)房公積金(jin)制(zhi)(zhi)度是(shi)(shi)國家法律規(gui)定的重要的住(zhu)房社(she)會保障(zhang)制(zhi)(zhi)度，具有強制(zhi)(zhi)性、互助性、保障(zhang)性。

單位(wei)(wei)為(wei)(wei)職(zhi)(zhi)工(gong)(gong)(gong)繳存(cun)的(de)住(zhu)房公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)是(shi)職(zhi)(zhi)工(gong)(gong)(gong)工(gong)(gong)(gong)資的(de)組成部分，單位(wei)(wei)為(wei)(wei)職(zhi)(zhi)工(gong)(gong)(gong)繳存(cun)住(zhu)房公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)是(shi)單位(wei)(wei)的(de)義務(wu)，享受(shou)住(zhu)房公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)政(zheng)策是(shi)職(zhi)(zhi)工(gong)(gong)(gong)的(de)合法權利。職(zhi)(zhi)工(gong)(gong)(gong)個人繳存(cun)的(de)住(zhu)房公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)以及單位(wei)(wei)為(wei)(wei)其繳存(cun)的(de)住(zhu)房公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)，實行(xing)專戶存(cun)儲，歸職(zhi)(zhi)工(gong)(gong)(gong)個人所有。

二、公積金有什么用？

1、購房

使用(yong)公積金購房又分為以(yi)下兩種情況：

（1）貸款

公積金貸(dai)款(kuan)買房時比較常見的(de)(de)一種(zhong)方(fang)式，并且(qie)公積金貸(dai)款(kuan)的(de)(de)利(li)息遠低于商業貸(dai)款(kuan)，所以(yi)更多的(de)(de)人愿意使(shi)用公積金貸(dai)款(kuan)買房，具體的(de)(de)額度以(yi)及利(li)率可(ke)以(yi)參照(zhao)各地貸(dai)款(kuan)政(zheng)策，或者咨詢各地公積金管理部門以(yi)及單位人事(shi)部門等。

（2）提取

使(shi)用公積(ji)金(jin)(jin)購(gou)(gou)房(fang)可(ke)以(yi)(yi)提取(qu)公積(ji)金(jin)(jin)來償還本(ben)息，如果(guo)(guo)不(bu)用公積(ji)金(jin)(jin)來進行貸款(kuan)的話，使(shi)用商業貸款(kuan)的時(shi)候，還可(ke)以(yi)(yi)提取(qu)公積(ji)金(jin)(jin)貸款(kuan)賬戶的金(jin)(jin)額來作(zuo)為購(gou)(gou)房(fang)的首付款(kuan)，也(ye)可(ke)以(yi)(yi)提取(qu)公積(ji)金(jin)(jin)來償還本(ben)息，另外如果(guo)(guo)購(gou)(gou)房(fang)過程中不(bu)需要貸款(kuan)，也(ye)可(ke)以(yi)(yi)一(yi)次性取(qu)出公積(ji)金(jin)(jin)。

2、租房

如果有的朋友目前還(huan)處于租(zu)(zu)(zu)房(fang)(fang)的狀況，這個(ge)時候公(gong)積金(jin)也(ye)可(ke)以(yi)提取(qu)用去房(fang)(fang)屋租(zu)(zu)(zu)金(jin)的支付，租(zu)(zu)(zu)房(fang)(fang)者可(ke)以(yi)申(shen)請(qing)提取(qu)公(gong)積金(jin)用于支付房(fang)(fang)租(zu)(zu)(zu)，減輕(qing)自己(ji)的生(sheng)活壓力。公(gong)積金(jin)不僅可(ke)以(yi)支付配租(zu)(zu)(zu)或政府招租(zu)(zu)(zu)補貼的經濟租(zu)(zu)(zu)賃房(fang)(fang)房(fang)(fang)租(zu)(zu)(zu)，也(ye)可(ke)以(yi)支付市場租(zu)(zu)(zu)房(fang)(fang)房(fang)(fang)租(zu)(zu)(zu)，讓你不用再為(wei)房(fang)(fang)租(zu)(zu)(zu)發愁(chou)。

3、裝修

住房(fang)公(gong)積(ji)金還可以(yi)在我(wo)們裝修(xiu)的(de)時候使用，這點很多人可能都不(bu)太清楚，大家可以(yi)在各個地區的(de)住房(fang)公(gong)積(ji)金的(de)管(guan)理部門(men)進(jin)行申(shen)請和咨(zi)詢(xun)。就算目(mu)前買(mai)不(bu)了新房(fang)，裝修(xiu)一(yi)下現(xian)有(you)的(de)家，也會讓人有(you)一(yi)種(zhong)住新房(fang)的(de)感覺。

而(er)且現在裝修花(hua)銷也不(bu)低，用公積金會減(jian)少很大一(yi)部分(fen)開支，在提(ti)高(gao)住(zhu)(zhu)(zhu)房質(zhi)量(liang)的(de)同時，還可以(yi)(yi)盡可能地(di)不(bu)影響現有(you)的(de)生(sheng)活質(zhi)量(liang)。如果在農村集體土地(di)上(shang)建造、翻建和大修自有(you)住(zhu)(zhu)(zhu)房且使用住(zhu)(zhu)(zhu)房貸(dai)款(kuan)的(de)，職工及配偶可以(yi)(yi)申請提(ti)取一(yi)部分(fen)公積金，提(ti)取合計不(bu)超過修建房費用。

4、建造翻修住房使用

有的(de)朋友可(ke)能不(bu)需要在城(cheng)內購買住房(fang)，那么(me)住房(fang)公積金也可(ke)以(yi)在房(fang)屋(wu)修(xiu)建(jian)的(de)時候提取使用，這點(dian)很多人可(ke)能都不(bu)太清(qing)楚(chu)，大家可(ke)以(yi)在各個地區的(de)住房(fang)公積金的(de)辦理處進(jin)行申請和咨(zi)詢。

5、重大疾病支付

公(gong)積(ji)金用(yong)(yong)(yong)于(yu)重大疾(ji)病的醫(yi)(yi)(yi)療(liao)費(fei)用(yong)(yong)(yong)支(zhi)付，這一點可(ke)能了(le)解的朋友不多，現在除了(le)醫(yi)(yi)(yi)療(liao)保(bao)險(xian)能夠補貼我們日常(chang)的一些(xie)醫(yi)(yi)(yi)療(liao)費(fei)用(yong)(yong)(yong)之外，公(gong)積(ji)金也(ye)可(ke)以提取用(yong)(yong)(yong)于(yu)醫(yi)(yi)(yi)療(liao)費(fei)用(yong)(yong)(yong)的支(zhi)付，因此在醫(yi)(yi)(yi)療(liao)保(bao)險(xian)和公(gong)積(ji)金的雙重保(bao)障(zhang)下，醫(yi)(yi)(yi)療(liao)費(fei)用(yong)(yong)(yong)的負擔(dan)也(ye)被大大減(jian)輕了(le)。

6、低保困難家庭提取使用

如果(guo)單位(wei)的有職工被列為了低保或(huo)者困(kun)難救助(zhu)的范(fan)(fan)圍，這(zhe)種條(tiao)件下也可以提(ti)取公積金補(bu)貼家用，但(dan)是提(ti)取的金額不(bu)能(neng)超過較低生(sheng)活(huo)保障(zhang)范(fan)(fan)圍或(huo)特(te)困(kun)救助(zhu)范(fan)(fan)圍。

在大(da)家(jia)的(de)普遍(bian)意識里(li)，公(gong)(gong)(gong)積金(jin)(jin)主要就(jiu)是(shi)用(yong)(yong)(yong)于購買(mai)房屋時使用(yong)(yong)(yong)的(de)，看了小編(bian)介紹(shao)的(de)公(gong)(gong)(gong)積金(jin)(jin)有(you)什么用(yong)(yong)(yong)？公(gong)(gong)(gong)積金(jin)(jin)是(shi)啥意思之后(hou)，是(shi)不是(shi)對公(gong)(gong)(gong)積金(jin)(jin)更加了解了呢？雖(sui)然公(gong)(gong)(gong)積金(jin)(jin)的(de)用(yong)(yong)(yong)途有(you)很多，但公(gong)(gong)(gong)積金(jin)(jin)的(de)提取條件(jian)有(you)硬性(xing)的(de)規(gui)定，利用(yong)(yong)(yong)各種(zhong)手段套現(xian)使用(yong)(yong)(yong)的(de)行(xing)為就(jiu)有(you)可能構(gou)成違(wei)法(fa)行(xing)為的(de)。

三、住房公積金如何繳存？

各地方國家機關(guan)、國有企(qi)(qi)業(ye)(ye)、城(cheng)鎮(zhen)集(ji)體企(qi)(qi)業(ye)(ye)、外商(shang)投資(zi)(zi)企(qi)(qi)業(ye)(ye)、城(cheng)鎮(zhen)私營(ying)企(qi)(qi)業(ye)(ye)及其他城(cheng)鎮(zhen)企(qi)(qi)業(ye)(ye)、事業(ye)(ye)單(dan)(dan)位(wei)(wei)(wei)、民辦非企(qi)(qi)業(ye)(ye)單(dan)(dan)位(wei)(wei)(wei)、社會團體及其在(zai)職(zhi)職(zhi)工(gong)(gong)(gong)，須建立住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)制度(du)。根據國務院《條例》規定，住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)以職(zhi)工(gong)(gong)(gong)本(ben)人(ren)(ren)(ren)(ren)(ren)上一年(nian)度(du)月(yue)(yue)平(ping)均工(gong)(gong)(gong)資(zi)(zi)為繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)基數。計(ji)算住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)的(de)(de)(de)(de)工(gong)(gong)(gong)資(zi)(zi)基數以國家統計(ji)局發布(bu)的(de)(de)(de)(de)《關(guan)于工(gong)(gong)(gong)資(zi)(zi)總額(e)組(zu)成的(de)(de)(de)(de)規定》內(nei)容為準，由以下(xia)(xia)部分(fen)(fen)組(zu)成：計(ji)時(shi)工(gong)(gong)(gong)資(zi)(zi)、計(ji)件(jian)工(gong)(gong)(gong)資(zi)(zi)、獎(jiang)金(jin)(jin)(jin)(jin)、津貼和(he)補貼、加班加點工(gong)(gong)(gong)資(zi)(zi)、特殊情況下(xia)(xia)支付的(de)(de)(de)(de)工(gong)(gong)(gong)資(zi)(zi)。住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)由兩部分(fen)(fen)組(zu)成，一是(shi)個人(ren)(ren)(ren)(ren)(ren)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)部分(fen)(fen)，二是(shi)單(dan)(dan)位(wei)(wei)(wei)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)部分(fen)(fen)。職(zhi)工(gong)(gong)(gong)個人(ren)(ren)(ren)(ren)(ren)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)的(de)(de)(de)(de)和(he)單(dan)(dan)位(wei)(wei)(wei)為職(zhi)工(gong)(gong)(gong)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)的(de)(de)(de)(de)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)均歸(gui)職(zhi)工(gong)(gong)(gong)個人(ren)(ren)(ren)(ren)(ren)所(suo)有。職(zhi)工(gong)(gong)(gong)個人(ren)(ren)(ren)(ren)(ren)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)的(de)(de)(de)(de)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)，由所(suo)在(zai)單(dan)(dan)位(wei)(wei)(wei)每(mei)月(yue)(yue)從其工(gong)(gong)(gong)資(zi)(zi)中代扣代繳(jiao)(jiao)。單(dan)(dan)位(wei)(wei)(wei)應(ying)當于每(mei)月(yue)(yue)發放職(zhi)工(gong)(gong)(gong)工(gong)(gong)(gong)資(zi)(zi)之日(ri)起5日(ri)內(nei)將(jiang)單(dan)(dan)位(wei)(wei)(wei)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)的(de)(de)(de)(de)和(he)為職(zhi)工(gong)(gong)(gong)代繳(jiao)(jiao)的(de)(de)(de)(de)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)匯繳(jiao)(jiao)到住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)賬戶內(nei)，由受(shou)委托銀行計(ji)入(ru)職(zhi)工(gong)(gong)(gong)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)賬戶。職(zhi)工(gong)(gong)(gong)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)月(yue)(yue)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)額(e)=職(zhi)工(gong)(gong)(gong)本(ben)人(ren)(ren)(ren)(ren)(ren)上一年(nian)度(du)月(yue)(yue)平(ping)均工(gong)(gong)(gong)資(zi)(zi)×職(zhi)工(gong)(gong)(gong)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)比例單(dan)(dan)位(wei)(wei)(wei)為職(zhi)工(gong)(gong)(gong)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)的(de)(de)(de)(de)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)月(yue)(yue)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)額(e)=職(zhi)工(gong)(gong)(gong)本(ben)人(ren)(ren)(ren)(ren)(ren)上一年(nian)度(du)月(yue)(yue)平(ping)均工(gong)(gong)(gong)資(zi)(zi)×單(dan)(dan)位(wei)(wei)(wei)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)比例住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)月(yue)(yue)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)額(e)=職(zhi)工(gong)(gong)(gong)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)月(yue)(yue)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)額(e)+單(dan)(dan)位(wei)(wei)(wei)為職(zhi)工(gong)(gong)(gong)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)的(de)(de)(de)(de)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)(jin)月(yue)(yue)繳(jiao)(jiao)存(cun)(cun)(cun)(cun)(cun)額(e)。

四、住房公積金有什么好處？

1、提前還貸減壓力

很多地方規定買房后，在一定時間內(nei)可(ke)以(yi)提取(qu)公(gong)積(ji)(ji)金。房奴(nu)可(ke)以(yi)考(kao)慮(lv)提取(qu)公(gong)積(ji)(ji)金支付一部(bu)分貸(dai)款，減輕還(huan)(huan)貸(dai)壓(ya)力。對于可(ke)以(yi)按(an)月(yue)支取(qu)公(gong)積(ji)(ji)金的(de)地區，還(huan)(huan)可(ke)以(yi)每(mei)月(yue)提取(qu)公(gong)積(ji)(ji)金支付房貸(dai)，為你(ni)每(mei)月(yue)還(huan)(huan)貸(dai)時"喘口氣"。如果已經辦(ban)理(li)了(le)公(gong)積(ji)(ji)金貸(dai)款，在北京等部(bu)分地區可(ke)以(yi)把公(gong)積(ji)(ji)金提取(qu)賬(zhang)戶與月(yue)供還(huan)(huan)貸(dai)賬(zhang)戶合二為一，按(an)月(yue)提取(qu)的(de)公(gong)積(ji)(ji)金額度將自動轉化每(mei)月(yue)歸還(huan)(huan)的(de)房貸(dai)。讓你(ni)的(de)還(huan)(huan)貸(dai)輕松又(you)方便(bian)。

其實(shi)，公(gong)(gong)積(ji)(ji)金(jin)除(chu)用于(yu)貸款外，還(huan)可因(yin)為購(gou)房(fang)、建(jian)房(fang)、裝修(xiu)等事(shi)宜，將公(gong)(gong)積(ji)(ji)金(jin)這一“長(chang)期金(jin)融不動產”活用起來。貸款者每年(nian)還(huan)可提取公(gong)(gong)積(ji)(ji)金(jin)一次(ci)用于(yu)沖還(huan)住房(fang)貸款。

2、提取公積金付房租

高(gao)得離譜的房價，讓很(hen)多人望房興嘆，租房生活。而很(hen)多人付了房租后，每月收入基本就所(suo)剩無幾(ji)。這(zhe)時公(gong)積金(jin)就可以發揮作(zuo)用嘍。

很(hen)多地區都有(you)可(ke)(ke)用(yong)(yong)公積(ji)金(jin)支(zhi)付(fu)房(fang)租的(de)規定(ding)，只要房(fang)租支(zhi)出超過家庭(ting)收(shou)入一定(ding)比例，并能夠提(ti)供(gong)合法的(de)房(fang)屋租賃(lin)合同和**等相關憑證，并就可(ke)(ke)以用(yong)(yong)公積(ji)金(jin)付(fu)房(fang)租了(le)。

3、讓公積金錢生錢

公積(ji)金賬戶(hu)的利息很低，如(ru)果讓公積(ji)金躺著(zhu)睡大覺(jue)，這筆(bi)錢(qian)的收益肯定跑(pao)不(bu)(bu)過(guo)CPI。那你就只能等著(zhu)退休后再取(qu)出來(lai)了。如(ru)果符合提(ti)(ti)取(qu)條件(jian)，自己又會(hui)理財，不(bu)(bu)妨把公積(ji)金提(ti)(ti)取(qu)出來(lai)進行投資(zi)，獲(huo)得的收益要比讓它躺在(zai)賬戶(hu)里高很多。買點(dian)基金、理財產品都(dou)是不(bu)(bu)錯(cuo)的選擇。

五、住房公積金使用注意事項

1、不能直接買房子

即使(shi)打算使(shi)用公(gong)積(ji)金買房子，那也(ye)得先(xian)自(zi)(zi)己支(zhi)付了房子的首付，然后才能(neng)提取公(gong)積(ji)金還(huan)房貸。雖然公(gong)積(ji)金貸款利(li)率低，但首付問題還(huan)得自(zi)(zi)己解決。

2、不能想用就用

夫妻雙(shuang)(shuang)方(fang)中有一方(fang)辦理過公積(ji)(ji)金(jin)貸款(kuan)，公積(ji)(ji)金(jin)管理中心系統上就會有相(xiang)應記錄，在(zai)上次貸款(kuan)未還清前(qian)，夫妻雙(shuang)(shuang)方(fang)均不能再使(shi)用公積(ji)(ji)金(jin)貸款(kuan)第二套(tao)房。

3、理財要謹慎

如果你不會投資理財，那(nei)也別盲目跟(gen)風(feng)(feng)把(ba)公(gong)積金提(ti)出(chu)來。畢竟(jing)炒(chao)股、買基金都是(shi)有(you)風(feng)(feng)險的。如果跟(gen)風(feng)(feng)殺入股市，血本無歸，那(nei)還不如讓公(gong)積金睡大覺，好歹退(tui)休有(you)筆收(shou)入。