【住房公(gong)積金】住房公(gong)積金有什么用(yong) 住房公(gong)積金如(ru)何(he)繳存

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公積金是現在找工作(zuo)的基本配(pei)置(zhi)，當然有些也(ye)會(hui)缺少公積(ji)金這一(yi)塊(kuai)，但是相(xiang)對來(lai)說，工資(zi)就會(hui)高一(yi)些。有些人(ren)覺得只要工資(zi)高，有五險(xian)就夠(gou)了，但事實真(zhen)的是這樣(yang)嗎？那么(me)，公積(ji)金有什么(me)用？住房公積(ji)金是啥意思呢(ni)？

一、住房公積金是啥意思？

住(zhu)(zhu)房(fang)公積(ji)金制度實際上是(shi)一種住(zhu)(zhu)房(fang)保障(zhang)制度，是(shi)住(zhu)(zhu)房(fang)分配貨幣化的(de)一種形(xing)式(shi)。住(zhu)(zhu)房(fang)公積(ji)金制度是(shi)國家(jia)法(fa)律規定的(de)重要(yao)的(de)住(zhu)(zhu)房(fang)社(she)會(hui)保障(zhang)制度，具有強制性(xing)、互助(zhu)性(xing)、保障(zhang)性(xing)。

單(dan)位(wei)為(wei)職(zhi)工(gong)繳(jiao)(jiao)存的(de)住(zhu)房(fang)公積金是職(zhi)工(gong)工(gong)資的(de)組成部分，單(dan)位(wei)為(wei)職(zhi)工(gong)繳(jiao)(jiao)存住(zhu)房(fang)公積金是單(dan)位(wei)的(de)義務，享受住(zhu)房(fang)公積金政策是職(zhi)工(gong)的(de)合法權利。職(zhi)工(gong)個人繳(jiao)(jiao)存的(de)住(zhu)房(fang)公積金以及單(dan)位(wei)為(wei)其繳(jiao)(jiao)存的(de)住(zhu)房(fang)公積金，實行專戶存儲(chu)，歸(gui)職(zhi)工(gong)個人所有。

二、公積金有什么用？

1、購房

使用公積金購(gou)房又(you)分(fen)為以(yi)下兩種情況(kuang)：

（1）貸(dai)款

公(gong)(gong)積金貸(dai)(dai)款買房(fang)(fang)時(shi)比較常見的(de)(de)一(yi)種方(fang)式，并且公(gong)(gong)積金貸(dai)(dai)款的(de)(de)利(li)息遠低(di)于(yu)商業貸(dai)(dai)款，所以更多(duo)的(de)(de)人愿意使(shi)用(yong)公(gong)(gong)積金貸(dai)(dai)款買房(fang)(fang)，具體的(de)(de)額度以及(ji)利(li)率可以參照各地(di)貸(dai)(dai)款政(zheng)策，或者咨詢各地(di)公(gong)(gong)積金管(guan)理部(bu)門以及(ji)單位人事(shi)部(bu)門等。

（2）提取

使(shi)用(yong)(yong)公(gong)積(ji)金(jin)(jin)購房可以(yi)提(ti)取(qu)公(gong)積(ji)金(jin)(jin)來償(chang)還本息(xi)，如果(guo)不(bu)用(yong)(yong)公(gong)積(ji)金(jin)(jin)來進行(xing)貸(dai)款(kuan)的(de)話，使(shi)用(yong)(yong)商業貸(dai)款(kuan)的(de)時候(hou)，還可以(yi)提(ti)取(qu)公(gong)積(ji)金(jin)(jin)貸(dai)款(kuan)賬戶的(de)金(jin)(jin)額來作為購房的(de)首(shou)付款(kuan)，也(ye)可以(yi)提(ti)取(qu)公(gong)積(ji)金(jin)(jin)來償(chang)還本息(xi)，另外(wai)如果(guo)購房過程中不(bu)需要貸(dai)款(kuan)，也(ye)可以(yi)一次性取(qu)出公(gong)積(ji)金(jin)(jin)。

2、租房

如(ru)果有的(de)朋友目前還處于(yu)租(zu)(zu)房(fang)(fang)的(de)狀(zhuang)況，這個時候公積(ji)金(jin)(jin)也可(ke)(ke)以提取用去房(fang)(fang)屋租(zu)(zu)金(jin)(jin)的(de)支(zhi)(zhi)付(fu)(fu)，租(zu)(zu)房(fang)(fang)者可(ke)(ke)以申請提取公積(ji)金(jin)(jin)用于(yu)支(zhi)(zhi)付(fu)(fu)房(fang)(fang)租(zu)(zu)，減輕自己的(de)生活(huo)壓(ya)力。公積(ji)金(jin)(jin)不(bu)(bu)僅可(ke)(ke)以支(zhi)(zhi)付(fu)(fu)配租(zu)(zu)或(huo)政府招租(zu)(zu)補貼的(de)經濟租(zu)(zu)賃房(fang)(fang)房(fang)(fang)租(zu)(zu)，也可(ke)(ke)以支(zhi)(zhi)付(fu)(fu)市場租(zu)(zu)房(fang)(fang)房(fang)(fang)租(zu)(zu)，讓你不(bu)(bu)用再為房(fang)(fang)租(zu)(zu)發愁(chou)。

3、裝修

住房(fang)公(gong)積(ji)金(jin)(jin)還(huan)可以(yi)在我們裝修(xiu)的(de)時候使用，這(zhe)點很多人(ren)可能都不太清楚(chu)，大家(jia)可以(yi)在各個地(di)區的(de)住房(fang)公(gong)積(ji)金(jin)(jin)的(de)管(guan)理部門進行申請和咨(zi)詢。就算目前(qian)買(mai)不了新房(fang)，裝修(xiu)一下現有的(de)家(jia)，也(ye)會讓(rang)人(ren)有一種住新房(fang)的(de)感覺。

而且現在裝(zhuang)修花銷也不(bu)(bu)低，用(yong)公積金會(hui)減少(shao)很大一部(bu)分(fen)開支(zhi)，在提高住(zhu)房(fang)(fang)質量的同(tong)時，還(huan)可(ke)(ke)以盡可(ke)(ke)能地不(bu)(bu)影響現有(you)的生活質量。如果(guo)在農(nong)村集體土地上(shang)建(jian)造、翻建(jian)和大修自有(you)住(zhu)房(fang)(fang)且使用(yong)住(zhu)房(fang)(fang)貸(dai)款的，職(zhi)工及配偶可(ke)(ke)以申請提取(qu)(qu)一部(bu)分(fen)公積金，提取(qu)(qu)合計不(bu)(bu)超過(guo)修建(jian)房(fang)(fang)費用(yong)。

4、建造翻修住房使用

有(you)的朋友可能不需要在(zai)城內(nei)購買住(zhu)(zhu)房(fang)，那么住(zhu)(zhu)房(fang)公(gong)積金(jin)也(ye)可以(yi)在(zai)房(fang)屋修(xiu)建的時候提取使用，這(zhe)點很多(duo)人可能都不太清(qing)楚(chu)，大家可以(yi)在(zai)各個地區的住(zhu)(zhu)房(fang)公(gong)積金(jin)的辦理處(chu)進行申請和(he)咨詢。

5、重大疾病支付

公積金(jin)用(yong)于重(zhong)大(da)疾病(bing)的(de)醫(yi)(yi)(yi)(yi)療費用(yong)支付，這一點可(ke)能了解的(de)朋友不多，現在除了醫(yi)(yi)(yi)(yi)療保(bao)險能夠(gou)補貼(tie)我們日常的(de)一些(xie)醫(yi)(yi)(yi)(yi)療費用(yong)之外，公積金(jin)也(ye)可(ke)以提(ti)取(qu)用(yong)于醫(yi)(yi)(yi)(yi)療費用(yong)的(de)支付，因此在醫(yi)(yi)(yi)(yi)療保(bao)險和(he)公積金(jin)的(de)雙重(zhong)保(bao)障下，醫(yi)(yi)(yi)(yi)療費用(yong)的(de)負(fu)擔(dan)也(ye)被大(da)大(da)減輕了。

6、低保困難家庭提取使用

如(ru)果單(dan)位的有職工(gong)被列(lie)為了低保或者困難救(jiu)助的范圍(wei)，這種條件(jian)下(xia)也可以提取公積金補貼家用，但是提取的金額不(bu)能超過較低生活保障范圍(wei)或特困救(jiu)助范圍(wei)。

在大家(jia)的(de)(de)普(pu)遍意識(shi)里，公(gong)積(ji)金(jin)主要就(jiu)是用(yong)(yong)于購買(mai)房(fang)屋(wu)時使(shi)用(yong)(yong)的(de)(de)，看了(le)(le)小編介紹的(de)(de)公(gong)積(ji)金(jin)有(you)什(shen)么用(yong)(yong)？公(gong)積(ji)金(jin)是啥(sha)意思之后，是不是對(dui)公(gong)積(ji)金(jin)更(geng)加(jia)了(le)(le)解了(le)(le)呢？雖然公(gong)積(ji)金(jin)的(de)(de)用(yong)(yong)途有(you)很(hen)多(duo)，但公(gong)積(ji)金(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(zhong)手段套現使(shi)用(yong)(yong)的(de)(de)行為(wei)就(jiu)有(you)可(ke)能構成違法行為(wei)的(de)(de)。

三、住房公積金如何繳存？

各(ge)地方國(guo)家機(ji)關(guan)、國(guo)有企(qi)(qi)業(ye)(ye)、城鎮(zhen)集體企(qi)(qi)業(ye)(ye)、外(wai)商投資(zi)(zi)(zi)企(qi)(qi)業(ye)(ye)、城鎮(zhen)私營企(qi)(qi)業(ye)(ye)及其(qi)他城鎮(zhen)企(qi)(qi)業(ye)(ye)、事(shi)業(ye)(ye)單(dan)(dan)(dan)(dan)(dan)位(wei)(wei)、民辦非企(qi)(qi)業(ye)(ye)單(dan)(dan)(dan)(dan)(dan)位(wei)(wei)、社會團體及其(qi)在(zai)職(zhi)(zhi)(zhi)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)，須建立住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)制(zhi)度(du)(du)。根據國(guo)務院《條例(li)》規定，住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)以職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)本(ben)人(ren)上一年度(du)(du)月平均(jun)(jun)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)為繳(jiao)(jiao)存(cun)(cun)基數。計(ji)算住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)的(de)(de)(de)(de)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)基數以國(guo)家統計(ji)局發(fa)布的(de)(de)(de)(de)《關(guan)于(yu)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)總額(e)組成的(de)(de)(de)(de)規定》內(nei)容為準，由以下部分(fen)組成：計(ji)時工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、計(ji)件工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、獎金(jin)(jin)(jin)、津貼和補貼、加班加點(dian)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、特殊情況(kuang)下支付的(de)(de)(de)(de)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)。住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)由兩部分(fen)組成，一是個(ge)(ge)(ge)人(ren)繳(jiao)(jiao)存(cun)(cun)部分(fen)，二是單(dan)(dan)(dan)(dan)(dan)位(wei)(wei)繳(jiao)(jiao)存(cun)(cun)部分(fen)。職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)個(ge)(ge)(ge)人(ren)繳(jiao)(jiao)存(cun)(cun)的(de)(de)(de)(de)和單(dan)(dan)(dan)(dan)(dan)位(wei)(wei)為職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)存(cun)(cun)的(de)(de)(de)(de)住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)均(jun)(jun)歸(gui)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)個(ge)(ge)(ge)人(ren)所(suo)(suo)有。職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)個(ge)(ge)(ge)人(ren)繳(jiao)(jiao)存(cun)(cun)的(de)(de)(de)(de)住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)，由所(suo)(suo)在(zai)單(dan)(dan)(dan)(dan)(dan)位(wei)(wei)每(mei)月從其(qi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)中代扣代繳(jiao)(jiao)。單(dan)(dan)(dan)(dan)(dan)位(wei)(wei)應當于(yu)每(mei)月發(fa)放職(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(ri)起5日(ri)內(nei)將單(dan)(dan)(dan)(dan)(dan)位(wei)(wei)繳(jiao)(jiao)存(cun)(cun)的(de)(de)(de)(de)和為職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)代繳(jiao)(jiao)的(de)(de)(de)(de)住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)匯繳(jiao)(jiao)到(dao)住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)賬(zhang)戶(hu)內(nei)，由受(shou)委托銀行(xing)計(ji)入(ru)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)賬(zhang)戶(hu)。職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)月繳(jiao)(jiao)存(cun)(cun)額(e)=職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)本(ben)人(ren)上一年度(du)(du)月平均(jun)(jun)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)×職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)繳(jiao)(jiao)存(cun)(cun)比例(li)單(dan)(dan)(dan)(dan)(dan)位(wei)(wei)為職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)存(cun)(cun)的(de)(de)(de)(de)住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)月繳(jiao)(jiao)存(cun)(cun)額(e)=職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)本(ben)人(ren)上一年度(du)(du)月平均(jun)(jun)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)×單(dan)(dan)(dan)(dan)(dan)位(wei)(wei)住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)繳(jiao)(jiao)存(cun)(cun)比例(li)住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)月繳(jiao)(jiao)存(cun)(cun)額(e)=職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)月繳(jiao)(jiao)存(cun)(cun)額(e)+單(dan)(dan)(dan)(dan)(dan)位(wei)(wei)為職(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)存(cun)(cun)的(de)(de)(de)(de)住(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)(jin)月繳(jiao)(jiao)存(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(ding)買房(fang)后(hou)，在(zai)一定(ding)時間內(nei)可(ke)(ke)(ke)(ke)以提(ti)取(qu)公(gong)積(ji)(ji)金(jin)。房(fang)奴可(ke)(ke)(ke)(ke)以考慮(lv)提(ti)取(qu)公(gong)積(ji)(ji)金(jin)支付(fu)一部(bu)分貸(dai)款，減(jian)輕還(huan)(huan)貸(dai)壓力。對于可(ke)(ke)(ke)(ke)以按(an)月(yue)(yue)支取(qu)公(gong)積(ji)(ji)金(jin)的地區，還(huan)(huan)可(ke)(ke)(ke)(ke)以每月(yue)(yue)提(ti)取(qu)公(gong)積(ji)(ji)金(jin)支付(fu)房(fang)貸(dai)，為你每月(yue)(yue)還(huan)(huan)貸(dai)時"喘(chuan)口氣"。如果已經辦理了公(gong)積(ji)(ji)金(jin)貸(dai)款，在(zai)北京等部(bu)分地區可(ke)(ke)(ke)(ke)以把(ba)公(gong)積(ji)(ji)金(jin)提(ti)取(qu)賬(zhang)戶(hu)與(yu)月(yue)(yue)供還(huan)(huan)貸(dai)賬(zhang)戶(hu)合二為一，按(an)月(yue)(yue)提(ti)取(qu)的公(gong)積(ji)(ji)金(jin)額度將自動(dong)轉(zhuan)化每月(yue)(yue)歸(gui)還(huan)(huan)的房(fang)貸(dai)。讓你的還(huan)(huan)貸(dai)輕松又方(fang)便。

其實(shi)，公積(ji)金(jin)(jin)除用于貸(dai)(dai)款外，還可因為購房(fang)、建房(fang)、裝修等事(shi)宜(yi)，將公積(ji)金(jin)(jin)這(zhe)一“長期金(jin)(jin)融(rong)不動產”活用起來。貸(dai)(dai)款者(zhe)每年還可提取公積(ji)金(jin)(jin)一次用于沖還住房(fang)貸(dai)(dai)款。

2、提取公積金付房租

高得離譜的房(fang)價，讓很多(duo)人望(wang)房(fang)興(xing)嘆(tan)，租房(fang)生活。而很多(duo)人付了房(fang)租后(hou)，每月收入(ru)基本就所(suo)剩無(wu)幾。這時(shi)公積金就可以(yi)發揮作用嘍。

很多地(di)區都有可用公(gong)積(ji)金(jin)支付(fu)房租的規定，只(zhi)要房租支出(chu)超(chao)過家庭收入一定比例，并(bing)能夠(gou)提供合法(fa)的房屋租賃合同(tong)和**等相關憑證，并(bing)就可以(yi)用公(gong)積(ji)金(jin)付(fu)房租了。

3、讓公積金錢生錢

公(gong)積金賬(zhang)戶的利息(xi)很低，如(ru)果讓(rang)公(gong)積金躺(tang)著睡大覺，這筆錢的收益肯定跑不過CPI。那(nei)你(ni)就只能等著退(tui)休(xiu)后再取出(chu)來(lai)了。如(ru)果符(fu)合(he)提取條件，自己又會理財(cai)，不妨把公(gong)積金提取出(chu)來(lai)進行投資，獲(huo)得的收益要比讓(rang)它躺(tang)在賬(zhang)戶里(li)高(gao)很多。買點基金、理財(cai)產品都是(shi)不錯的選(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)打算(suan)使(shi)用(yong)公(gong)積金買房(fang)子(zi)，那(nei)也得(de)先自(zi)己支付(fu)了房(fang)子(zi)的(de)首付(fu)，然后才能提取公(gong)積金還房(fang)貸。雖然公(gong)積金貸款利率低，但(dan)首付(fu)問題還得(de)自(zi)己解決。

2、不能想用就用

夫妻雙方中(zhong)(zhong)有一方辦理過(guo)公積(ji)(ji)金貸款(kuan)，公積(ji)(ji)金管理中(zhong)(zhong)心系統上(shang)就會有相應記錄，在上(shang)次貸款(kuan)未還清前，夫妻雙方均不(bu)能再使用公積(ji)(ji)金貸款(kuan)第(di)二套房。

3、理財要謹慎

如果你不會投資理財，那(nei)也別盲目跟風把公積金提出來(lai)。畢(bi)竟炒股、買(mai)基(ji)金都是(shi)有風險的。如果跟風殺入(ru)(ru)股市，血本無(wu)歸，那(nei)還不如讓(rang)公積金睡大覺，好歹(dai)退休有筆收入(ru)(ru)。