【住房(fang)公積金】住房(fang)公積金有什么用(yong) 住房(fang)公積金如(ru)何繳存

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公積金是現(xian)在找工(gong)作的基本配置，當然有(you)些也會缺少公(gong)積金這一塊(kuai)，但是相對(dui)來說，工(gong)資(zi)就會高一些。有(you)些人覺得只要工(gong)資(zi)高，有(you)五(wu)險就夠了，但事實真的是這樣嗎？那(nei)么，公(gong)積金有(you)什(shen)么用？住房(fang)公(gong)積金是啥意(yi)思呢？

一、住房公積金是啥意思？

住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公積金(jin)制(zhi)(zhi)度(du)實際上是一種(zhong)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)保(bao)障(zhang)制(zhi)(zhi)度(du)，是住(zhu)(zhu)(zhu)房(fang)(fang)(fang)分配貨幣(bi)化的一種(zhong)形式。住(zhu)(zhu)(zhu)房(fang)(fang)(fang)公積金(jin)制(zhi)(zhi)度(du)是國家法(fa)律規定的重要的住(zhu)(zhu)(zhu)房(fang)(fang)(fang)社會保(bao)障(zhang)制(zhi)(zhi)度(du)，具有(you)強制(zhi)(zhi)性、互助性、保(bao)障(zhang)性。

單(dan)位(wei)(wei)為職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)繳存(cun)的住(zhu)(zhu)房公(gong)積金(jin)(jin)是職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)工(gong)(gong)資(zi)的組成部分，單(dan)位(wei)(wei)為職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)繳存(cun)住(zhu)(zhu)房公(gong)積金(jin)(jin)是單(dan)位(wei)(wei)的義務(wu)，享(xiang)受住(zhu)(zhu)房公(gong)積金(jin)(jin)政策是職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)的合(he)法權利(li)。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)個人繳存(cun)的住(zhu)(zhu)房公(gong)積金(jin)(jin)以及單(dan)位(wei)(wei)為其繳存(cun)的住(zhu)(zhu)房公(gong)積金(jin)(jin)，實行專戶存(cun)儲(chu)，歸職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)個人所有。

二、公積金有什么用？

1、購房

使用公積(ji)金購房(fang)又(you)分為(wei)以下兩種情(qing)況(kuang)：

（1）貸款(kuan)

公(gong)(gong)積金貸款(kuan)買房(fang)時比(bi)較常見(jian)的一種方式，并(bing)且公(gong)(gong)積金貸款(kuan)的利息遠低于商(shang)業貸款(kuan)，所以更多的人愿意使用(yong)公(gong)(gong)積金貸款(kuan)買房(fang)，具體的額度以及利率可以參照各地(di)貸款(kuan)政策，或者(zhe)咨詢(xun)各地(di)公(gong)(gong)積金管理(li)部門(men)以及單位人事部門(men)等。

（2）提取

使用公(gong)積(ji)金購(gou)房(fang)可(ke)以(yi)提(ti)取(qu)(qu)(qu)公(gong)積(ji)金來償(chang)還本息(xi)，如(ru)果不(bu)用公(gong)積(ji)金來進行貸款的(de)話，使用商業(ye)貸款的(de)時(shi)候，還可(ke)以(yi)提(ti)取(qu)(qu)(qu)公(gong)積(ji)金貸款賬戶的(de)金額來作為購(gou)房(fang)的(de)首付款，也可(ke)以(yi)提(ti)取(qu)(qu)(qu)公(gong)積(ji)金來償(chang)還本息(xi)，另(ling)外如(ru)果購(gou)房(fang)過程中不(bu)需要(yao)貸款，也可(ke)以(yi)一次性取(qu)(qu)(qu)出公(gong)積(ji)金。

2、租房

如(ru)果有的(de)朋友目前還處于租(zu)(zu)(zu)(zu)房(fang)(fang)(fang)(fang)的(de)狀況，這個時候(hou)公(gong)積(ji)金(jin)(jin)也(ye)可以提(ti)取用(yong)去(qu)房(fang)(fang)(fang)(fang)屋租(zu)(zu)(zu)(zu)金(jin)(jin)的(de)支(zhi)付(fu)(fu)，租(zu)(zu)(zu)(zu)房(fang)(fang)(fang)(fang)者可以申請提(ti)取公(gong)積(ji)金(jin)(jin)用(yong)于支(zhi)付(fu)(fu)房(fang)(fang)(fang)(fang)租(zu)(zu)(zu)(zu)，減(jian)輕自己的(de)生活壓力。公(gong)積(ji)金(jin)(jin)不(bu)僅可以支(zhi)付(fu)(fu)配租(zu)(zu)(zu)(zu)或(huo)政府(fu)招租(zu)(zu)(zu)(zu)補貼的(de)經(jing)濟租(zu)(zu)(zu)(zu)賃房(fang)(fang)(fang)(fang)房(fang)(fang)(fang)(fang)租(zu)(zu)(zu)(zu)，也(ye)可以支(zhi)付(fu)(fu)市場租(zu)(zu)(zu)(zu)房(fang)(fang)(fang)(fang)房(fang)(fang)(fang)(fang)租(zu)(zu)(zu)(zu)，讓(rang)你不(bu)用(yong)再為房(fang)(fang)(fang)(fang)租(zu)(zu)(zu)(zu)發愁。

3、裝修

住(zhu)房公積金還(huan)可(ke)以在我們裝修的(de)時候使用，這點很多人(ren)可(ke)能(neng)都不太(tai)清(qing)楚(chu)，大家(jia)可(ke)以在各個(ge)地區的(de)住(zhu)房公積金的(de)管理部門進行申請(qing)和咨詢。就(jiu)算目前買不了(le)新房，裝修一下現有(you)的(de)家(jia)，也會讓人(ren)有(you)一種住(zhu)新房的(de)感覺。

而(er)且(qie)現(xian)在裝(zhuang)修花(hua)銷(xiao)也不低(di)，用(yong)公積金會減少很(hen)大一(yi)部分(fen)開(kai)支，在提高(gao)住(zhu)(zhu)房質量的(de)同時，還(huan)可以盡可能地不影響現(xian)有(you)的(de)生(sheng)活(huo)質量。如果在農(nong)村集體土地上建(jian)造(zao)、翻建(jian)和大修自有(you)住(zhu)(zhu)房且(qie)使(shi)用(yong)住(zhu)(zhu)房貸款的(de)，職(zhi)工(gong)及配偶可以申請(qing)提取(qu)一(yi)部分(fen)公積金，提取(qu)合計不超過修建(jian)房費用(yong)。

4、建造翻修住房使用

有(you)的(de)(de)朋友可(ke)(ke)能(neng)不需要在城內購買住房，那(nei)么住房公(gong)積金也(ye)可(ke)(ke)以(yi)在房屋修建的(de)(de)時候提(ti)取使(shi)用，這點很多(duo)人(ren)可(ke)(ke)能(neng)都不太清楚(chu)，大家可(ke)(ke)以(yi)在各個地區的(de)(de)住房公(gong)積金的(de)(de)辦(ban)理處進行申請和咨詢。

5、重大疾病支付

公積金(jin)用(yong)于(yu)重大疾病的(de)醫(yi)療(liao)費用(yong)支付(fu)，這一點可能了解的(de)朋友不多，現在除(chu)了醫(yi)療(liao)保(bao)(bao)險能夠補貼(tie)我們日常的(de)一些醫(yi)療(liao)費用(yong)之(zhi)外，公積金(jin)也可以提取用(yong)于(yu)醫(yi)療(liao)費用(yong)的(de)支付(fu)，因此在醫(yi)療(liao)保(bao)(bao)險和公積金(jin)的(de)雙(shuang)重保(bao)(bao)障下，醫(yi)療(liao)費用(yong)的(de)負擔也被大大減輕了。

6、低保困難家庭提取使用

如(ru)果單位的有職(zhi)工被列為了低(di)保(bao)或(huo)者困(kun)難(nan)救助(zhu)(zhu)的范(fan)圍，這種條件下也可以提(ti)取公積金(jin)補貼家用，但是(shi)提(ti)取的金(jin)額(e)不能超過較低(di)生活保(bao)障范(fan)圍或(huo)特困(kun)救助(zhu)(zhu)范(fan)圍。

在大家(jia)的(de)(de)普遍意識里，公(gong)積(ji)(ji)(ji)金(jin)(jin)主要就(jiu)是用(yong)于購買房屋時(shi)使用(yong)的(de)(de)，看了(le)小編介紹(shao)的(de)(de)公(gong)積(ji)(ji)(ji)金(jin)(jin)有什么用(yong)？公(gong)積(ji)(ji)(ji)金(jin)(jin)是啥意思(si)之后，是不是對公(gong)積(ji)(ji)(ji)金(jin)(jin)更加了(le)解(jie)了(le)呢？雖(sui)然公(gong)積(ji)(ji)(ji)金(jin)(jin)的(de)(de)用(yong)途有很多(duo)，但公(gong)積(ji)(ji)(ji)金(jin)(jin)的(de)(de)提取條件有硬(ying)性(xing)的(de)(de)規定，利(li)用(yong)各種手段套(tao)現使用(yong)的(de)(de)行為(wei)就(jiu)有可能構(gou)成違(wei)法行為(wei)的(de)(de)。

三、住房公積金如何繳存？

各地方國家機(ji)關、國有企(qi)(qi)(qi)業、城鎮集體企(qi)(qi)(qi)業、外商(shang)投資(zi)(zi)(zi)企(qi)(qi)(qi)業、城鎮私營企(qi)(qi)(qi)業及其他城鎮企(qi)(qi)(qi)業、事業單(dan)(dan)位(wei)(wei)(wei)、民辦非企(qi)(qi)(qi)業單(dan)(dan)位(wei)(wei)(wei)、社會團體及其在(zai)職(zhi)(zhi)(zhi)(zhi)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)，須建立住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)制度(du)。根據國務院《條例(li)》規定，住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)以職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)本(ben)人(ren)(ren)上(shang)一年度(du)月(yue)(yue)(yue)(yue)平均(jun)(jun)工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)為(wei)(wei)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)基數。計(ji)算住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)的工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)基數以國家統(tong)計(ji)局(ju)發布(bu)的《關于工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)總額(e)(e)組(zu)成(cheng)的規定》內(nei)容(rong)為(wei)(wei)準，由以下(xia)部(bu)分組(zu)成(cheng)：計(ji)時工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、計(ji)件(jian)工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、獎金(jin)(jin)(jin)(jin)、津貼和補貼、加班加點(dian)工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、特殊情況下(xia)支付的工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)。住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)由兩部(bu)分組(zu)成(cheng)，一是(shi)個人(ren)(ren)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)部(bu)分，二是(shi)單(dan)(dan)位(wei)(wei)(wei)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)部(bu)分。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)個人(ren)(ren)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)的和單(dan)(dan)位(wei)(wei)(wei)為(wei)(wei)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)的住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)均(jun)(jun)歸職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)個人(ren)(ren)所有。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)個人(ren)(ren)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)的住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)，由所在(zai)單(dan)(dan)位(wei)(wei)(wei)每月(yue)(yue)(yue)(yue)從其工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)中代扣代繳(jiao)(jiao)(jiao)(jiao)(jiao)。單(dan)(dan)位(wei)(wei)(wei)應當于每月(yue)(yue)(yue)(yue)發放職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)之日(ri)起5日(ri)內(nei)將單(dan)(dan)位(wei)(wei)(wei)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)的和為(wei)(wei)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)代繳(jiao)(jiao)(jiao)(jiao)(jiao)的住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)匯繳(jiao)(jiao)(jiao)(jiao)(jiao)到住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)賬戶內(nei)，由受(shou)委托銀行計(ji)入職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)賬戶。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)月(yue)(yue)(yue)(yue)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)額(e)(e)=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)本(ben)人(ren)(ren)上(shang)一年度(du)月(yue)(yue)(yue)(yue)平均(jun)(jun)工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)×職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)比例(li)單(dan)(dan)位(wei)(wei)(wei)為(wei)(wei)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)的住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)月(yue)(yue)(yue)(yue)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)額(e)(e)=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)本(ben)人(ren)(ren)上(shang)一年度(du)月(yue)(yue)(yue)(yue)平均(jun)(jun)工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)×單(dan)(dan)位(wei)(wei)(wei)住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)比例(li)住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)月(yue)(yue)(yue)(yue)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)額(e)(e)=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)月(yue)(yue)(yue)(yue)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)額(e)(e)+單(dan)(dan)位(wei)(wei)(wei)為(wei)(wei)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)的住(zhu)(zhu)房(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)(jin)月(yue)(yue)(yue)(yue)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)額(e)(e)。

四、住房公積金有什么好處？

1、提前還貸減壓力

很多地(di)方(fang)(fang)規定買房(fang)后，在(zai)一(yi)(yi)定時間內可(ke)以(yi)提(ti)取(qu)(qu)公(gong)(gong)積(ji)金。房(fang)奴(nu)可(ke)以(yi)考慮提(ti)取(qu)(qu)公(gong)(gong)積(ji)金支付一(yi)(yi)部(bu)分貸(dai)款，減(jian)輕還(huan)(huan)(huan)貸(dai)壓力。對于可(ke)以(yi)按月支取(qu)(qu)公(gong)(gong)積(ji)金的(de)地(di)區，還(huan)(huan)(huan)可(ke)以(yi)每(mei)(mei)月提(ti)取(qu)(qu)公(gong)(gong)積(ji)金支付房(fang)貸(dai)，為你每(mei)(mei)月還(huan)(huan)(huan)貸(dai)時"喘口(kou)氣(qi)"。如果已經辦理了公(gong)(gong)積(ji)金貸(dai)款，在(zai)北京等部(bu)分地(di)區可(ke)以(yi)把公(gong)(gong)積(ji)金提(ti)取(qu)(qu)賬(zhang)戶與月供還(huan)(huan)(huan)貸(dai)賬(zhang)戶合二為一(yi)(yi)，按月提(ti)取(qu)(qu)的(de)公(gong)(gong)積(ji)金額度將(jiang)自動轉(zhuan)化每(mei)(mei)月歸(gui)還(huan)(huan)(huan)的(de)房(fang)貸(dai)。讓(rang)你的(de)還(huan)(huan)(huan)貸(dai)輕松又(you)方(fang)(fang)便。

其實，公(gong)積(ji)(ji)金(jin)除(chu)用于貸款(kuan)外，還(huan)可因為購房、建(jian)房、裝修等事宜，將公(gong)積(ji)(ji)金(jin)這一(yi)“長(chang)期金(jin)融(rong)不動(dong)產”活用起來。貸款(kuan)者(zhe)每年還(huan)可提取公(gong)積(ji)(ji)金(jin)一(yi)次用于沖還(huan)住房貸款(kuan)。

2、提取公積金付房租

高得離(li)譜(pu)的房(fang)(fang)價，讓很(hen)多(duo)人望房(fang)(fang)興嘆，租(zu)(zu)房(fang)(fang)生(sheng)活。而很(hen)多(duo)人付了房(fang)(fang)租(zu)(zu)后(hou)，每月(yue)收入基本(ben)就所剩無(wu)幾(ji)。這(zhe)時公積(ji)金(jin)就可(ke)以發揮作用嘍(lou)。

很多(duo)地區都有可(ke)(ke)用(yong)公積金(jin)支(zhi)付房(fang)租(zu)(zu)的(de)(de)規定，只要房(fang)租(zu)(zu)支(zhi)出超過家庭收(shou)入(ru)一定比(bi)例，并能夠提供合法(fa)的(de)(de)房(fang)屋(wu)租(zu)(zu)賃(lin)合同和**等相關(guan)憑(ping)證，并就可(ke)(ke)以用(yong)公積金(jin)付房(fang)租(zu)(zu)了(le)。

3、讓公積金錢生錢

公積金賬(zhang)戶的利息很(hen)低(di)，如果讓公積金躺著睡大覺，這(zhe)筆錢的收(shou)益(yi)肯定跑不(bu)過CPI。那(nei)你就只(zhi)能(neng)等著退休后再(zai)取出來了(le)。如果符合提(ti)取條件，自己又會(hui)理(li)財(cai)，不(bu)妨(fang)把(ba)公積金提(ti)取出來進行投(tou)資，獲得(de)的收(shou)益(yi)要比讓它躺在(zai)賬(zhang)戶里高很(hen)多(duo)。買點基金、理(li)財(cai)產(chan)品都是不(bu)錯的選擇(ze)。

五、住房公積金使用注意事項

1、不能直接買房子

即使打算使用公積金買房(fang)子，那也得先自(zi)己支付了房(fang)子的首(shou)付，然后才(cai)能(neng)提取公積金還房(fang)貸。雖然公積金貸款利率(lv)低(di)，但首(shou)付問題還得自(zi)己解決。

2、不能想用就用

夫妻(qi)雙(shuang)方中有一(yi)方辦(ban)理(li)過公(gong)積(ji)(ji)金貸款(kuan)，公(gong)積(ji)(ji)金管(guan)理(li)中心系統上就會(hui)有相應記錄，在上次貸款(kuan)未(wei)還(huan)清前(qian)，夫妻(qi)雙(shuang)方均不能再使用(yong)公(gong)積(ji)(ji)金貸款(kuan)第二套房(fang)。

3、理財要謹慎

如果你不會投資理財，那也別盲目跟風(feng)(feng)把(ba)公積(ji)(ji)金提(ti)出來。畢竟炒(chao)股、買基金都是有風(feng)(feng)險的。如果跟風(feng)(feng)殺入股市，血(xue)本(ben)無歸，那還不如讓公積(ji)(ji)金睡大覺(jue)，好(hao)歹退休(xiu)有筆(bi)收入。