【住房(fang)公積(ji)金(jin)】住房(fang)公積(ji)金(jin)有(you)什么(me)用 住房(fang)公積(ji)金(jin)如(ru)何繳存(cun)

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公積金是(shi)現在找工作的(de)基本配(pei)置，當然(ran)有些(xie)也會缺少公(gong)積(ji)金(jin)這一塊(kuai)，但是(shi)相對來說，工資(zi)就會高一些(xie)。有些(xie)人覺得(de)只要工資(zi)高，有五(wu)險(xian)就夠了(le)，但事(shi)實(shi)真(zhen)的(de)是(shi)這樣嗎？那么，公(gong)積(ji)金(jin)有什么用？住房(fang)公(gong)積(ji)金(jin)是(shi)啥(sha)意(yi)思呢？

一、住房公積金是啥意思？

住(zhu)(zhu)房公積金制度實際上是(shi)(shi)一(yi)(yi)種住(zhu)(zhu)房保(bao)障制度，是(shi)(shi)住(zhu)(zhu)房分配貨幣化(hua)的一(yi)(yi)種形式(shi)。住(zhu)(zhu)房公積金制度是(shi)(shi)國(guo)家法律規定(ding)的重要的住(zhu)(zhu)房社會保(bao)障制度，具有強制性(xing)、互助性(xing)、保(bao)障性(xing)。

單(dan)(dan)位(wei)為(wei)(wei)職工(gong)(gong)繳存的(de)(de)住(zhu)房(fang)(fang)公(gong)積(ji)(ji)金(jin)(jin)是(shi)職工(gong)(gong)工(gong)(gong)資的(de)(de)組成部分，單(dan)(dan)位(wei)為(wei)(wei)職工(gong)(gong)繳存住(zhu)房(fang)(fang)公(gong)積(ji)(ji)金(jin)(jin)是(shi)單(dan)(dan)位(wei)的(de)(de)義務，享受住(zhu)房(fang)(fang)公(gong)積(ji)(ji)金(jin)(jin)政策(ce)是(shi)職工(gong)(gong)的(de)(de)合法權(quan)利。職工(gong)(gong)個(ge)人繳存的(de)(de)住(zhu)房(fang)(fang)公(gong)積(ji)(ji)金(jin)(jin)以及單(dan)(dan)位(wei)為(wei)(wei)其繳存的(de)(de)住(zhu)房(fang)(fang)公(gong)積(ji)(ji)金(jin)(jin)，實行專戶存儲(chu)，歸職工(gong)(gong)個(ge)人所(suo)有。

二、公積金有什么用？

1、購房

使用公積金購房又分為以下(xia)兩種情況：

（1）貸(dai)款(kuan)

公(gong)積金貸(dai)款(kuan)買(mai)房時比較常見的(de)一(yi)種方(fang)式，并且公(gong)積金貸(dai)款(kuan)的(de)利息遠(yuan)低于商業貸(dai)款(kuan)，所(suo)以(yi)(yi)更多的(de)人(ren)愿(yuan)意使用(yong)公(gong)積金貸(dai)款(kuan)買(mai)房，具體的(de)額度以(yi)(yi)及(ji)利率可以(yi)(yi)參照各地(di)貸(dai)款(kuan)政(zheng)策，或者咨詢(xun)各地(di)公(gong)積金管理部(bu)(bu)門(men)以(yi)(yi)及(ji)單位人(ren)事部(bu)(bu)門(men)等。

（2）提取

使用(yong)公(gong)積(ji)(ji)金購(gou)(gou)(gou)房可(ke)以(yi)提(ti)(ti)取(qu)公(gong)積(ji)(ji)金來償還本息(xi)，如(ru)果不用(yong)公(gong)積(ji)(ji)金來進行貸款的話(hua)，使用(yong)商業(ye)貸款的時候(hou)，還可(ke)以(yi)提(ti)(ti)取(qu)公(gong)積(ji)(ji)金貸款賬戶的金額來作為購(gou)(gou)(gou)房的首付款，也可(ke)以(yi)提(ti)(ti)取(qu)公(gong)積(ji)(ji)金來償還本息(xi)，另(ling)外如(ru)果購(gou)(gou)(gou)房過程(cheng)中(zhong)不需要(yao)貸款，也可(ke)以(yi)一次性(xing)取(qu)出公(gong)積(ji)(ji)金。

2、租房

如果有的(de)(de)(de)朋(peng)友(you)目前還處于租(zu)房(fang)(fang)(fang)的(de)(de)(de)狀況，這個時候(hou)公積金(jin)也可(ke)以(yi)(yi)提取(qu)用去(qu)房(fang)(fang)(fang)屋租(zu)金(jin)的(de)(de)(de)支(zhi)付，租(zu)房(fang)(fang)(fang)者可(ke)以(yi)(yi)申請提取(qu)公積金(jin)用于支(zhi)付房(fang)(fang)(fang)租(zu)，減輕自(zi)己的(de)(de)(de)生活壓力。公積金(jin)不(bu)僅可(ke)以(yi)(yi)支(zhi)付配租(zu)或政府招租(zu)補貼的(de)(de)(de)經濟租(zu)賃(lin)房(fang)(fang)(fang)房(fang)(fang)(fang)租(zu)，也可(ke)以(yi)(yi)支(zhi)付市(shi)場(chang)租(zu)房(fang)(fang)(fang)房(fang)(fang)(fang)租(zu)，讓你不(bu)用再為房(fang)(fang)(fang)租(zu)發(fa)愁。

3、裝修

住房(fang)公積金(jin)還可以在我們裝(zhuang)(zhuang)修的時候使用，這點很多人可能都不太清楚，大家(jia)可以在各個地(di)區的住房(fang)公積金(jin)的管(guan)理部門進(jin)行申請和咨詢。就(jiu)算目前買不了新房(fang)，裝(zhuang)(zhuang)修一下現有(you)的家(jia)，也會讓人有(you)一種住新房(fang)的感覺。

而且現(xian)在(zai)裝修花(hua)銷也(ye)不低，用(yong)公(gong)積(ji)(ji)金會減少很大一部分(fen)開支，在(zai)提(ti)高住房質(zhi)量的(de)同(tong)時，還可以盡(jin)可能(neng)地不影響現(xian)有(you)的(de)生活(huo)質(zhi)量。如果在(zai)農村集體土地上建(jian)(jian)造(zao)、翻建(jian)(jian)和大修自有(you)住房且使用(yong)住房貸款的(de)，職工及配偶可以申請提(ti)取一部分(fen)公(gong)積(ji)(ji)金，提(ti)取合計不超過修建(jian)(jian)房費用(yong)。

4、建造翻修住房使用

有的(de)(de)朋友可能(neng)(neng)不(bu)需要在城內購買(mai)住房(fang)(fang)，那(nei)么(me)住房(fang)(fang)公積(ji)金也可以在房(fang)(fang)屋修(xiu)建的(de)(de)時候提取(qu)使用，這(zhe)點(dian)很多人可能(neng)(neng)都(dou)不(bu)太清楚，大家可以在各(ge)個地區的(de)(de)住房(fang)(fang)公積(ji)金的(de)(de)辦理處進行申請(qing)和咨詢。

5、重大疾病支付

公積金用(yong)于重(zhong)大(da)疾病的(de)醫(yi)療費用(yong)支(zhi)付(fu)，這一(yi)點可(ke)能了解(jie)的(de)朋友不多，現(xian)在(zai)除了醫(yi)療保險能夠補貼我們日常的(de)一(yi)些醫(yi)療費用(yong)之外，公積金也(ye)可(ke)以提取用(yong)于醫(yi)療費用(yong)的(de)支(zhi)付(fu)，因此在(zai)醫(yi)療保險和公積金的(de)雙重(zhong)保障下，醫(yi)療費用(yong)的(de)負擔也(ye)被大(da)大(da)減輕(qing)了。

6、低保困難家庭提取使用

如果單位(wei)的有職工被列(lie)為了低保(bao)或(huo)者困難(nan)救助(zhu)的范圍，這(zhe)種條件下也(ye)可以提取(qu)公積金(jin)補貼家(jia)用(yong)，但是提取(qu)的金(jin)額不(bu)能(neng)超過較低生(sheng)活(huo)保(bao)障范圍或(huo)特困救助(zhu)范圍。

在大家的(de)(de)普遍(bian)意識(shi)里，公(gong)(gong)積(ji)金(jin)(jin)主要就(jiu)是(shi)用(yong)(yong)于購(gou)買房屋時使(shi)用(yong)(yong)的(de)(de)，看了小編(bian)介紹的(de)(de)公(gong)(gong)積(ji)金(jin)(jin)有(you)什(shen)么用(yong)(yong)？公(gong)(gong)積(ji)金(jin)(jin)是(shi)啥意思之(zhi)后，是(shi)不(bu)是(shi)對公(gong)(gong)積(ji)金(jin)(jin)更加了解了呢？雖然公(gong)(gong)積(ji)金(jin)(jin)的(de)(de)用(yong)(yong)途有(you)很多(duo)，但公(gong)(gong)積(ji)金(jin)(jin)的(de)(de)提取條件(jian)有(you)硬性的(de)(de)規定，利用(yong)(yong)各(ge)種手段套現使(shi)用(yong)(yong)的(de)(de)行為(wei)就(jiu)有(you)可能(neng)構成(cheng)違法行為(wei)的(de)(de)。

三、住房公積金如何繳存？

各(ge)地方國家(jia)機關、國有企業、城(cheng)鎮集體企業、外商投資(zi)企業、城(cheng)鎮私(si)營企業及其他城(cheng)鎮企業、事業單(dan)位(wei)(wei)、民辦(ban)非(fei)企業單(dan)位(wei)(wei)、社(she)會團體及其在職(zhi)(zhi)(zhi)(zhi)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)，須建立住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)制度。根據(ju)國務院《條例(li)》規(gui)定，住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)以職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)本(ben)(ben)人(ren)(ren)(ren)上一(yi)(yi)年(nian)度月平(ping)(ping)均(jun)(jun)(jun)(jun)工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)為(wei)繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)基(ji)數。計(ji)算住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)的(de)(de)(de)(de)工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)基(ji)數以國家(jia)統計(ji)局發布的(de)(de)(de)(de)《關于工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)總(zong)額(e)組(zu)成(cheng)的(de)(de)(de)(de)規(gui)定》內容為(wei)準，由(you)以下(xia)部(bu)分(fen)(fen)組(zu)成(cheng)：計(ji)時工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)、計(ji)件工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)、獎金(jin)(jin)(jin)、津貼(tie)和補貼(tie)、加(jia)班加(jia)點工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)、特殊情況下(xia)支付的(de)(de)(de)(de)工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)。住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)由(you)兩部(bu)分(fen)(fen)組(zu)成(cheng)，一(yi)(yi)是(shi)個人(ren)(ren)(ren)繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)部(bu)分(fen)(fen)，二是(shi)單(dan)位(wei)(wei)繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)部(bu)分(fen)(fen)。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)個人(ren)(ren)(ren)繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)(de)(de)和單(dan)位(wei)(wei)為(wei)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)(de)(de)住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)均(jun)(jun)(jun)(jun)歸職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)個人(ren)(ren)(ren)所(suo)(suo)有。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)個人(ren)(ren)(ren)繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)(de)(de)住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)，由(you)所(suo)(suo)在單(dan)位(wei)(wei)每(mei)(mei)月從其工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)中代(dai)扣(kou)代(dai)繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)。單(dan)位(wei)(wei)應當(dang)于每(mei)(mei)月發放職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)之日(ri)(ri)起5日(ri)(ri)內將單(dan)位(wei)(wei)繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)(de)(de)和為(wei)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)代(dai)繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)的(de)(de)(de)(de)住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)匯繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)到住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)賬(zhang)戶(hu)內，由(you)受委托(tuo)銀行計(ji)入職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)賬(zhang)戶(hu)。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)月繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)額(e)=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)本(ben)(ben)人(ren)(ren)(ren)上一(yi)(yi)年(nian)度月平(ping)(ping)均(jun)(jun)(jun)(jun)工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)×職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)比例(li)單(dan)位(wei)(wei)為(wei)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)(de)(de)住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)月繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)額(e)=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)本(ben)(ben)人(ren)(ren)(ren)上一(yi)(yi)年(nian)度月平(ping)(ping)均(jun)(jun)(jun)(jun)工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)×單(dan)位(wei)(wei)住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)比例(li)住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)月繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)額(e)=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)月繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)額(e)+單(dan)位(wei)(wei)為(wei)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)(de)(de)住(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)月繳(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)存(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(fang)規定買房(fang)(fang)后，在(zai)一(yi)定時間內可(ke)(ke)以(yi)(yi)提(ti)(ti)取(qu)公(gong)(gong)積(ji)金(jin)(jin)(jin)。房(fang)(fang)奴(nu)可(ke)(ke)以(yi)(yi)考慮提(ti)(ti)取(qu)公(gong)(gong)積(ji)金(jin)(jin)(jin)支付一(yi)部(bu)分(fen)貸(dai)(dai)款，減輕(qing)還(huan)(huan)貸(dai)(dai)壓力(li)。對于可(ke)(ke)以(yi)(yi)按月(yue)(yue)支取(qu)公(gong)(gong)積(ji)金(jin)(jin)(jin)的(de)地區(qu)，還(huan)(huan)可(ke)(ke)以(yi)(yi)每月(yue)(yue)提(ti)(ti)取(qu)公(gong)(gong)積(ji)金(jin)(jin)(jin)支付房(fang)(fang)貸(dai)(dai)，為(wei)你(ni)每月(yue)(yue)還(huan)(huan)貸(dai)(dai)時"喘口(kou)氣"。如果已(yi)經辦理了公(gong)(gong)積(ji)金(jin)(jin)(jin)貸(dai)(dai)款，在(zai)北京等部(bu)分(fen)地區(qu)可(ke)(ke)以(yi)(yi)把公(gong)(gong)積(ji)金(jin)(jin)(jin)提(ti)(ti)取(qu)賬戶與月(yue)(yue)供還(huan)(huan)貸(dai)(dai)賬戶合二為(wei)一(yi)，按月(yue)(yue)提(ti)(ti)取(qu)的(de)公(gong)(gong)積(ji)金(jin)(jin)(jin)額度(du)將自動轉化每月(yue)(yue)歸還(huan)(huan)的(de)房(fang)(fang)貸(dai)(dai)。讓(rang)你(ni)的(de)還(huan)(huan)貸(dai)(dai)輕(qing)松又方(fang)便。

其實，公(gong)積金(jin)除用(yong)于(yu)貸款(kuan)(kuan)外，還(huan)可因(yin)為購房、建(jian)房、裝(zhuang)修等(deng)事宜，將公(gong)積金(jin)這(zhe)一(yi)“長期金(jin)融不(bu)動產”活用(yong)起來。貸款(kuan)(kuan)者每年(nian)還(huan)可提取公(gong)積金(jin)一(yi)次用(yong)于(yu)沖還(huan)住房貸款(kuan)(kuan)。

2、提取公積金付房租

高得離譜(pu)的房(fang)價，讓(rang)很多(duo)人望房(fang)興嘆(tan)，租房(fang)生活。而很多(duo)人付了房(fang)租后，每月收入基(ji)本就所剩無幾。這時公積(ji)金就可以(yi)發揮作用(yong)嘍。

很多(duo)地區都有(you)可(ke)用(yong)公積(ji)金(jin)支(zhi)付房(fang)租(zu)的規(gui)定，只要(yao)房(fang)租(zu)支(zhi)出超過家(jia)庭(ting)收入(ru)一定比例(li)，并能夠提供合法的房(fang)屋租(zu)賃(lin)合同和**等相關憑證，并就可(ke)以用(yong)公積(ji)金(jin)付房(fang)租(zu)了。

3、讓公積金錢生錢

公(gong)積金(jin)賬戶的利息很低，如果讓(rang)公(gong)積金(jin)躺(tang)著睡大覺，這筆錢的收益肯定跑不(bu)過CPI。那你就只能等(deng)著退休后再取(qu)出來了。如果符合提(ti)取(qu)條件(jian)，自(zi)己又(you)會理財(cai)，不(bu)妨把公(gong)積金(jin)提(ti)取(qu)出來進行投資，獲得(de)的收益要比讓(rang)它躺(tang)在賬戶里高很多。買點基金(jin)、理財(cai)產品都是不(bu)錯(cuo)的選(xuan)擇。

五、住房公積金使用注意事項

1、不能直接買房子

即使打(da)算(suan)使用公(gong)積金(jin)買房子，那也得先自己(ji)支(zhi)付了房子的首付，然后才能提(ti)取公(gong)積金(jin)還房貸。雖然公(gong)積金(jin)貸款(kuan)利率(lv)低(di)，但首付問(wen)題還得自己(ji)解(jie)決。

2、不能想用就用

夫(fu)妻雙(shuang)方中有一方辦理(li)過公(gong)積(ji)金貸款，公(gong)積(ji)金管理(li)中心系統上就(jiu)會有相應記錄(lu)，在上次貸款未還(huan)清前，夫(fu)妻雙(shuang)方均不能再使用公(gong)積(ji)金貸款第二套房。

3、理財要謹慎

如果你不會投資理財，那也(ye)別盲目(mu)跟風(feng)把公(gong)積金提出來。畢竟炒股、買基金都是有風(feng)險(xian)的。如(ru)果跟風(feng)殺(sha)入股市，血本無歸(gui)，那還不如(ru)讓公(gong)積金睡大覺，好(hao)歹(dai)退休有筆收入。