【住(zhu)房公積金(jin)】住(zhu)房公積金(jin)有什么用 住(zhu)房公積金(jin)如何繳存

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公積金是(shi)現在找工(gong)作的基(ji)本配置(zhi)，當然有些也會(hui)缺少公(gong)積金(jin)這(zhe)(zhe)一塊，但是(shi)相對(dui)來說，工(gong)資就(jiu)會(hui)高(gao)一些。有些人覺得只(zhi)要(yao)工(gong)資高(gao)，有五險就(jiu)夠了，但事實真的是(shi)這(zhe)(zhe)樣嗎？那(nei)么，公(gong)積金(jin)有什么用？住房公(gong)積金(jin)是(shi)啥意思呢？

一、住房公積金是啥意思？

住(zhu)房公積(ji)金制(zhi)度(du)實際上是(shi)一(yi)種住(zhu)房保障制(zhi)度(du)，是(shi)住(zhu)房分配貨幣化的(de)一(yi)種形式。住(zhu)房公積(ji)金制(zhi)度(du)是(shi)國家法(fa)律規定的(de)重要的(de)住(zhu)房社會保障制(zhi)度(du)，具(ju)有強制(zhi)性(xing)、互助性(xing)、保障性(xing)。

單位(wei)為職工(gong)(gong)(gong)繳存(cun)(cun)的(de)(de)住房(fang)(fang)公(gong)積(ji)金(jin)(jin)是職工(gong)(gong)(gong)工(gong)(gong)(gong)資的(de)(de)組成部(bu)分，單位(wei)為職工(gong)(gong)(gong)繳存(cun)(cun)住房(fang)(fang)公(gong)積(ji)金(jin)(jin)是單位(wei)的(de)(de)義務(wu)，享受住房(fang)(fang)公(gong)積(ji)金(jin)(jin)政策是職工(gong)(gong)(gong)的(de)(de)合(he)法權(quan)利(li)。職工(gong)(gong)(gong)個人繳存(cun)(cun)的(de)(de)住房(fang)(fang)公(gong)積(ji)金(jin)(jin)以及(ji)單位(wei)為其繳存(cun)(cun)的(de)(de)住房(fang)(fang)公(gong)積(ji)金(jin)(jin)，實行專戶存(cun)(cun)儲(chu)，歸職工(gong)(gong)(gong)個人所有。

二、公積金有什么用？

1、購房

使用(yong)公積(ji)金購房又(you)分為以下兩種情況：

（1）貸款

公積(ji)(ji)金貸(dai)款買房時(shi)比較(jiao)常見的(de)(de)一種方式，并且公積(ji)(ji)金貸(dai)款的(de)(de)利息遠低于商業貸(dai)款，所以(yi)更多的(de)(de)人愿(yuan)意使用公積(ji)(ji)金貸(dai)款買房，具體的(de)(de)額度以(yi)及(ji)利率可(ke)以(yi)參照各地貸(dai)款政(zheng)策(ce)，或者咨詢各地公積(ji)(ji)金管理部(bu)(bu)門以(yi)及(ji)單位人事(shi)部(bu)(bu)門等(deng)。

（2）提取

使(shi)用(yong)公(gong)(gong)積(ji)金購(gou)房(fang)可(ke)以提取(qu)公(gong)(gong)積(ji)金來償還本息，如(ru)果(guo)不(bu)(bu)用(yong)公(gong)(gong)積(ji)金來進行貸(dai)款(kuan)的(de)(de)話，使(shi)用(yong)商業貸(dai)款(kuan)的(de)(de)時候，還可(ke)以提取(qu)公(gong)(gong)積(ji)金貸(dai)款(kuan)賬戶的(de)(de)金額來作為(wei)購(gou)房(fang)的(de)(de)首(shou)付(fu)款(kuan)，也可(ke)以提取(qu)公(gong)(gong)積(ji)金來償還本息，另外如(ru)果(guo)購(gou)房(fang)過程中不(bu)(bu)需要貸(dai)款(kuan)，也可(ke)以一次性(xing)取(qu)出(chu)公(gong)(gong)積(ji)金。

2、租房

如果有(you)的(de)(de)朋友目(mu)前(qian)還(huan)處于租(zu)(zu)(zu)(zu)房(fang)(fang)的(de)(de)狀況，這個時(shi)候公(gong)積金也(ye)可(ke)(ke)以(yi)提(ti)取(qu)用去房(fang)(fang)屋(wu)租(zu)(zu)(zu)(zu)金的(de)(de)支(zhi)付(fu)(fu)，租(zu)(zu)(zu)(zu)房(fang)(fang)者可(ke)(ke)以(yi)申請提(ti)取(qu)公(gong)積金用于支(zhi)付(fu)(fu)房(fang)(fang)租(zu)(zu)(zu)(zu)，減輕(qing)自(zi)己的(de)(de)生(sheng)活壓力。公(gong)積金不僅可(ke)(ke)以(yi)支(zhi)付(fu)(fu)配租(zu)(zu)(zu)(zu)或政府招租(zu)(zu)(zu)(zu)補貼(tie)的(de)(de)經(jing)濟租(zu)(zu)(zu)(zu)賃(lin)房(fang)(fang)房(fang)(fang)租(zu)(zu)(zu)(zu)，也(ye)可(ke)(ke)以(yi)支(zhi)付(fu)(fu)市場租(zu)(zu)(zu)(zu)房(fang)(fang)房(fang)(fang)租(zu)(zu)(zu)(zu)，讓你不用再(zai)為房(fang)(fang)租(zu)(zu)(zu)(zu)發愁(chou)。

3、裝修

住房公(gong)積(ji)金還可以(yi)在(zai)我們裝修的(de)時候使用，這點很多人(ren)可能都不(bu)太清楚，大家(jia)可以(yi)在(zai)各個地區的(de)住房公(gong)積(ji)金的(de)管理部門進行(xing)申請和咨(zi)詢。就(jiu)算目前買(mai)不(bu)了新(xin)房，裝修一下(xia)現有的(de)家(jia)，也會讓人(ren)有一種(zhong)住新(xin)房的(de)感(gan)覺。

而且(qie)現(xian)(xian)在裝修花銷也不(bu)低(di)，用(yong)公積金(jin)會減少很(hen)大一部分開支，在提高住(zhu)房(fang)(fang)質量的(de)同時(shi)，還可(ke)(ke)以(yi)盡可(ke)(ke)能地(di)不(bu)影響現(xian)(xian)有(you)的(de)生(sheng)活質量。如果在農村集體土地(di)上(shang)建造、翻建和大修自有(you)住(zhu)房(fang)(fang)且(qie)使用(yong)住(zhu)房(fang)(fang)貸款的(de)，職(zhi)工(gong)及配偶可(ke)(ke)以(yi)申請提取一部分公積金(jin)，提取合計不(bu)超過修建房(fang)(fang)費用(yong)。

4、建造翻修住房使用

有的(de)朋友(you)可能(neng)不(bu)(bu)需要在(zai)(zai)城內購買(mai)住(zhu)(zhu)房，那么住(zhu)(zhu)房公(gong)積金也(ye)可以在(zai)(zai)房屋(wu)修建的(de)時候(hou)提取(qu)使用，這點很多(duo)人可能(neng)都不(bu)(bu)太清(qing)楚，大家可以在(zai)(zai)各個地區的(de)住(zhu)(zhu)房公(gong)積金的(de)辦(ban)理處進行申請和咨(zi)詢(xun)。

5、重大疾病支付

公(gong)積金(jin)用(yong)(yong)(yong)(yong)于(yu)重(zhong)大(da)疾病的醫(yi)療(liao)(liao)(liao)(liao)費用(yong)(yong)(yong)(yong)支付，這一(yi)點可能了解的朋友不(bu)多，現在(zai)除了醫(yi)療(liao)(liao)(liao)(liao)保(bao)險能夠補貼我們日常的一(yi)些醫(yi)療(liao)(liao)(liao)(liao)費用(yong)(yong)(yong)(yong)之外，公(gong)積金(jin)也可以提取用(yong)(yong)(yong)(yong)于(yu)醫(yi)療(liao)(liao)(liao)(liao)費用(yong)(yong)(yong)(yong)的支付，因此在(zai)醫(yi)療(liao)(liao)(liao)(liao)保(bao)險和公(gong)積金(jin)的雙重(zhong)保(bao)障(zhang)下，醫(yi)療(liao)(liao)(liao)(liao)費用(yong)(yong)(yong)(yong)的負擔也被大(da)大(da)減輕了。

6、低保困難家庭提取使用

如(ru)果單(dan)位的有(you)職工被列為了低保或者(zhe)困難救助(zhu)的范圍，這種條件下也可以提取公積金補貼家用(yong)，但是提取的金額不能超過較(jiao)低生(sheng)活(huo)保障范圍或特困救助(zhu)范圍。

在大家的(de)普遍(bian)意(yi)識里，公(gong)(gong)積金主要就是(shi)用(yong)于購(gou)買房屋時使用(yong)的(de)，看了小編介紹(shao)的(de)公(gong)(gong)積金有什么(me)用(yong)？公(gong)(gong)積金是(shi)啥意(yi)思之后(hou)，是(shi)不是(shi)對公(gong)(gong)積金更(geng)加了解(jie)了呢？雖然(ran)公(gong)(gong)積金的(de)用(yong)途有很多，但公(gong)(gong)積金的(de)提取(qu)條件(jian)有硬性的(de)規定，利用(yong)各種手(shou)段(duan)套現使用(yong)的(de)行(xing)為就有可能(neng)構(gou)成違法行(xing)為的(de)。

三、住房公積金如何繳存？

各地方國家(jia)(jia)機關(guan)、國有企業(ye)(ye)(ye)、城鎮集(ji)體企業(ye)(ye)(ye)、外(wai)商投資(zi)(zi)(zi)企業(ye)(ye)(ye)、城鎮私營企業(ye)(ye)(ye)及其他城鎮企業(ye)(ye)(ye)、事業(ye)(ye)(ye)單(dan)(dan)位(wei)(wei)(wei)、民辦非(fei)企業(ye)(ye)(ye)單(dan)(dan)位(wei)(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)(gong)(gong)，須(xu)建(jian)立住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)制度(du)。根(gen)據國務(wu)院《條例(li)》規(gui)定(ding)，住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)以職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)本(ben)(ben)人(ren)上(shang)一(yi)年度(du)月(yue)(yue)(yue)平均(jun)(jun)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)為繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)基數。計算住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)的(de)(de)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)基數以國家(jia)(jia)統(tong)計局發布的(de)(de)《關(guan)于(yu)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)總額(e)組(zu)成的(de)(de)規(gui)定(ding)》內容(rong)為準(zhun)，由以下部分組(zu)成：計時工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、計件工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、獎金(jin)(jin)、津貼和(he)補(bu)貼、加(jia)(jia)班加(jia)(jia)點(dian)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、特殊(shu)情況下支(zhi)付(fu)的(de)(de)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)。住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)由兩部分組(zu)成，一(yi)是個人(ren)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)部分，二是單(dan)(dan)位(wei)(wei)(wei)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)部分。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)個人(ren)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)和(he)單(dan)(dan)位(wei)(wei)(wei)為職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)均(jun)(jun)歸職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)個人(ren)所(suo)(suo)有。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)個人(ren)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)，由所(suo)(suo)在單(dan)(dan)位(wei)(wei)(wei)每月(yue)(yue)(yue)從其工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)中(zhong)代(dai)扣代(dai)繳(jiao)(jiao)(jiao)(jiao)(jiao)。單(dan)(dan)位(wei)(wei)(wei)應(ying)當于(yu)每月(yue)(yue)(yue)發放(fang)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)之日起(qi)5日內將(jiang)單(dan)(dan)位(wei)(wei)(wei)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)和(he)為職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)代(dai)繳(jiao)(jiao)(jiao)(jiao)(jiao)的(de)(de)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)匯繳(jiao)(jiao)(jiao)(jiao)(jiao)到住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)賬戶內，由受委托銀(yin)行計入職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)賬戶。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)月(yue)(yue)(yue)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)額(e)=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)本(ben)(ben)人(ren)上(shang)一(yi)年度(du)月(yue)(yue)(yue)平均(jun)(jun)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)×職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)比例(li)單(dan)(dan)位(wei)(wei)(wei)為職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)月(yue)(yue)(yue)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)額(e)=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)本(ben)(ben)人(ren)上(shang)一(yi)年度(du)月(yue)(yue)(yue)平均(jun)(jun)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)×單(dan)(dan)位(wei)(wei)(wei)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)比例(li)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)月(yue)(yue)(yue)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)額(e)=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)月(yue)(yue)(yue)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)額(e)+單(dan)(dan)位(wei)(wei)(wei)為職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)月(yue)(yue)(yue)繳(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(hen)多地(di)方(fang)規(gui)定買(mai)房后，在一(yi)(yi)(yi)定時間內可(ke)(ke)以(yi)(yi)(yi)提取(qu)(qu)公積(ji)金(jin)。房奴可(ke)(ke)以(yi)(yi)(yi)考(kao)慮(lv)提取(qu)(qu)公積(ji)金(jin)支付一(yi)(yi)(yi)部分貸(dai)(dai)(dai)(dai)款(kuan)(kuan)，減(jian)輕還(huan)貸(dai)(dai)(dai)(dai)壓力。對于可(ke)(ke)以(yi)(yi)(yi)按月(yue)支取(qu)(qu)公積(ji)金(jin)的(de)(de)(de)地(di)區(qu)，還(huan)可(ke)(ke)以(yi)(yi)(yi)每月(yue)提取(qu)(qu)公積(ji)金(jin)支付房貸(dai)(dai)(dai)(dai)，為你(ni)每月(yue)還(huan)貸(dai)(dai)(dai)(dai)時"喘口(kou)氣"。如果已(yi)經辦理(li)了公積(ji)金(jin)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)，在北(bei)京等部分地(di)區(qu)可(ke)(ke)以(yi)(yi)(yi)把公積(ji)金(jin)提取(qu)(qu)賬戶與月(yue)供還(huan)貸(dai)(dai)(dai)(dai)賬戶合二為一(yi)(yi)(yi)，按月(yue)提取(qu)(qu)的(de)(de)(de)公積(ji)金(jin)額度(du)將自(zi)動轉(zhuan)化每月(yue)歸還(huan)的(de)(de)(de)房貸(dai)(dai)(dai)(dai)。讓(rang)你(ni)的(de)(de)(de)還(huan)貸(dai)(dai)(dai)(dai)輕松(song)又方(fang)便(bian)。

其實(shi)，公積(ji)金(jin)除用(yong)于貸款(kuan)(kuan)外，還可因(yin)為購房、建(jian)房、裝修等事宜，將公積(ji)金(jin)這一“長期金(jin)融不動產”活用(yong)起來。貸款(kuan)(kuan)者每(mei)年還可提取公積(ji)金(jin)一次用(yong)于沖還住房貸款(kuan)(kuan)。

2、提取公積金付房租

高得離譜的房(fang)(fang)價，讓很(hen)多人望房(fang)(fang)興嘆，租房(fang)(fang)生活(huo)。而(er)很(hen)多人付(fu)了房(fang)(fang)租后，每月收入基本(ben)就所(suo)剩無幾。這時(shi)公(gong)積金就可(ke)以發揮作用嘍。

很多地區都有(you)可用(yong)公(gong)積金支付房(fang)租的規定，只(zhi)要房(fang)租支出(chu)超過(guo)家庭收入一定比(bi)例，并能(neng)夠提(ti)供(gong)合法的房(fang)屋租賃合同和**等相(xiang)關(guan)憑證，并就(jiu)可以用(yong)公(gong)積金付房(fang)租了。

3、讓公積金錢生錢

公(gong)積金(jin)賬(zhang)戶的利息很低，如果讓公(gong)積金(jin)躺(tang)著(zhu)睡大覺(jue)，這筆錢的收(shou)益(yi)(yi)肯定跑不(bu)(bu)過CPI。那你就只(zhi)能(neng)等著(zhu)退休后再(zai)取(qu)(qu)出來(lai)了。如果符合提取(qu)(qu)條(tiao)件，自(zi)己又會理財，不(bu)(bu)妨(fang)把公(gong)積金(jin)提取(qu)(qu)出來(lai)進行投(tou)資(zi)，獲得的收(shou)益(yi)(yi)要比(bi)讓它躺(tang)在賬(zhang)戶里(li)高很多。買點基金(jin)、理財產品都是不(bu)(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(shi)打(da)算使(shi)用公積(ji)金買房(fang)(fang)(fang)子，那也得先自己支付了(le)房(fang)(fang)(fang)子的首付，然(ran)后才能提取公積(ji)金還房(fang)(fang)(fang)貸。雖然(ran)公積(ji)金貸款(kuan)利率低，但(dan)首付問題還得自己解決。

2、不能想用就用

夫妻雙方中(zhong)(zhong)有一方辦理(li)過公積金(jin)貸(dai)款，公積金(jin)管(guan)理(li)中(zhong)(zhong)心系統上就會有相應記錄，在上次(ci)貸(dai)款未還清前，夫妻雙方均(jun)不能再使用公積金(jin)貸(dai)款第二套(tao)房。

3、理財要謹慎

如果你不會投資理財，那也別盲目跟(gen)風把(ba)公積金(jin)(jin)提(ti)出(chu)來。畢竟炒股、買基金(jin)(jin)都是有風險的。如(ru)(ru)果(guo)跟(gen)風殺入股市，血(xue)本無歸，那還(huan)不如(ru)(ru)讓公積金(jin)(jin)睡(shui)大覺，好(hao)歹退休(xiu)有筆(bi)收入。