【住(zhu)房公積金】住(zhu)房公積金有(you)什么用 住(zhu)房公積金如何繳存(cun)

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公積金是現在找工(gong)作的(de)基本配置(zhi)，當然有些(xie)也會缺少公積金這一塊，但是相(xiang)對來說，工(gong)資(zi)就會高一些(xie)。有些(xie)人覺得只要工(gong)資(zi)高，有五(wu)險就夠了，但事實真的(de)是這樣嗎？那么(me)，公積金有什么(me)用？住房公積金是啥意思呢(ni)？

一、住房公積金是啥意思？

住房公積金(jin)制(zhi)(zhi)(zhi)度實際(ji)上是一種住房保(bao)(bao)障(zhang)(zhang)制(zhi)(zhi)(zhi)度，是住房分(fen)配貨幣化(hua)的(de)(de)一種形式。住房公積金(jin)制(zhi)(zhi)(zhi)度是國家法律(lv)規定的(de)(de)重要的(de)(de)住房社會(hui)保(bao)(bao)障(zhang)(zhang)制(zhi)(zhi)(zhi)度，具有強制(zhi)(zhi)(zhi)性、互助性、保(bao)(bao)障(zhang)(zhang)性。

單位(wei)為(wei)職(zhi)工(gong)(gong)(gong)繳(jiao)(jiao)存(cun)的(de)住(zhu)(zhu)房公(gong)積(ji)(ji)金(jin)是(shi)(shi)職(zhi)工(gong)(gong)(gong)工(gong)(gong)(gong)資(zi)的(de)組成部分，單位(wei)為(wei)職(zhi)工(gong)(gong)(gong)繳(jiao)(jiao)存(cun)住(zhu)(zhu)房公(gong)積(ji)(ji)金(jin)是(shi)(shi)單位(wei)的(de)義(yi)務，享(xiang)受住(zhu)(zhu)房公(gong)積(ji)(ji)金(jin)政策(ce)是(shi)(shi)職(zhi)工(gong)(gong)(gong)的(de)合(he)法(fa)權利(li)。職(zhi)工(gong)(gong)(gong)個人繳(jiao)(jiao)存(cun)的(de)住(zhu)(zhu)房公(gong)積(ji)(ji)金(jin)以及單位(wei)為(wei)其繳(jiao)(jiao)存(cun)的(de)住(zhu)(zhu)房公(gong)積(ji)(ji)金(jin)，實行專戶存(cun)儲(chu)，歸職(zhi)工(gong)(gong)(gong)個人所有。

二、公積金有什么用？

1、購房

使(shi)用公積金(jin)購房(fang)又分為以下兩種(zhong)情況(kuang)：

（1）貸款

公積(ji)(ji)金(jin)貸(dai)款(kuan)買(mai)房時比較常見的(de)(de)一(yi)種方式，并且公積(ji)(ji)金(jin)貸(dai)款(kuan)的(de)(de)利息遠低(di)于商業(ye)貸(dai)款(kuan)，所以(yi)更多的(de)(de)人愿意使(shi)用公積(ji)(ji)金(jin)貸(dai)款(kuan)買(mai)房，具體(ti)的(de)(de)額(e)度以(yi)及利率(lv)可以(yi)參照(zhao)各地貸(dai)款(kuan)政策，或者咨(zi)詢各地公積(ji)(ji)金(jin)管理部(bu)門(men)(men)以(yi)及單位人事(shi)部(bu)門(men)(men)等。

（2）提取

使用(yong)公(gong)(gong)積(ji)(ji)金(jin)購(gou)(gou)房(fang)(fang)可(ke)(ke)以(yi)提取(qu)公(gong)(gong)積(ji)(ji)金(jin)來(lai)償還(huan)本息，如果不用(yong)公(gong)(gong)積(ji)(ji)金(jin)來(lai)進行貸(dai)款的(de)話，使用(yong)商業(ye)貸(dai)款的(de)時候(hou)，還(huan)可(ke)(ke)以(yi)提取(qu)公(gong)(gong)積(ji)(ji)金(jin)貸(dai)款賬戶的(de)金(jin)額來(lai)作為購(gou)(gou)房(fang)(fang)的(de)首付款，也可(ke)(ke)以(yi)提取(qu)公(gong)(gong)積(ji)(ji)金(jin)來(lai)償還(huan)本息，另(ling)外如果購(gou)(gou)房(fang)(fang)過程(cheng)中不需要貸(dai)款，也可(ke)(ke)以(yi)一次(ci)性取(qu)出公(gong)(gong)積(ji)(ji)金(jin)。

2、租房

如果有的朋友目前還處于(yu)租(zu)房(fang)的狀況(kuang)，這個時候公積金也可以提取用(yong)去房(fang)屋租(zu)金的支付(fu)，租(zu)房(fang)者可以申(shen)請(qing)提取公積金用(yong)于(yu)支付(fu)房(fang)租(zu)，減(jian)輕自己的生活壓力。公積金不(bu)僅(jin)可以支付(fu)配(pei)租(zu)或政府(fu)招租(zu)補貼(tie)的經濟租(zu)賃房(fang)房(fang)租(zu)，也可以支付(fu)市場租(zu)房(fang)房(fang)租(zu)，讓你不(bu)用(yong)再為房(fang)租(zu)發愁。

3、裝修

住(zhu)房公積(ji)金還可(ke)以(yi)在我們裝修的(de)時(shi)候使(shi)用(yong)，這點很多人可(ke)能(neng)都不(bu)太清(qing)楚，大(da)家可(ke)以(yi)在各個地區的(de)住(zhu)房公積(ji)金的(de)管(guan)理部門進行申請和咨詢(xun)。就(jiu)算(suan)目前買不(bu)了新(xin)房，裝修一(yi)下現有的(de)家，也會(hui)讓人有一(yi)種(zhong)住(zhu)新(xin)房的(de)感覺。

而(er)且(qie)現在裝修(xiu)花(hua)銷(xiao)也不(bu)(bu)低，用公積金(jin)會減少很大一部(bu)分開支，在提高(gao)住房質量(liang)的(de)(de)同(tong)時，還可(ke)以盡(jin)可(ke)能地不(bu)(bu)影響現有(you)的(de)(de)生(sheng)活質量(liang)。如果在農村集(ji)體土(tu)地上(shang)建(jian)造、翻建(jian)和大修(xiu)自有(you)住房且(qie)使用住房貸(dai)款的(de)(de)，職工(gong)及配偶可(ke)以申請(qing)提取(qu)一部(bu)分公積金(jin)，提取(qu)合計不(bu)(bu)超(chao)過修(xiu)建(jian)房費用。

4、建造翻修住房使用

有的(de)(de)朋友(you)可(ke)能不需要在城內(nei)購買住房，那么住房公(gong)(gong)積(ji)金也可(ke)以在房屋修建的(de)(de)時候提取使用，這點很多(duo)人(ren)可(ke)能都不太(tai)清楚(chu)，大家可(ke)以在各(ge)個地區的(de)(de)住房公(gong)(gong)積(ji)金的(de)(de)辦理處(chu)進(jin)行申請和咨詢。

5、重大疾病支付

公積金(jin)用(yong)(yong)(yong)(yong)于重大疾病的(de)醫(yi)療(liao)(liao)費(fei)(fei)用(yong)(yong)(yong)(yong)支付，這一點可(ke)能(neng)了(le)解(jie)的(de)朋友不(bu)多，現在除了(le)醫(yi)療(liao)(liao)保險能(neng)夠(gou)補(bu)貼我們(men)日常的(de)一些醫(yi)療(liao)(liao)費(fei)(fei)用(yong)(yong)(yong)(yong)之外，公積金(jin)也可(ke)以提取用(yong)(yong)(yong)(yong)于醫(yi)療(liao)(liao)費(fei)(fei)用(yong)(yong)(yong)(yong)的(de)支付，因此在醫(yi)療(liao)(liao)保險和公積金(jin)的(de)雙重保障(zhang)下(xia)，醫(yi)療(liao)(liao)費(fei)(fei)用(yong)(yong)(yong)(yong)的(de)負擔也被大大減輕了(le)。

6、低保困難家庭提取使用

如(ru)果(guo)單(dan)位的有職工被(bei)列為了低保(bao)或者困(kun)難(nan)救(jiu)助(zhu)的范(fan)(fan)圍，這(zhe)種條件下也可(ke)以提取公(gong)積金補貼家用，但是提取的金額(e)不(bu)能超過較低生活保(bao)障(zhang)范(fan)(fan)圍或特困(kun)救(jiu)助(zhu)范(fan)(fan)圍。

在大家的(de)(de)普遍意識里，公(gong)積(ji)金(jin)主要(yao)就(jiu)是用(yong)于購買房(fang)屋時使用(yong)的(de)(de)，看(kan)了(le)小編介紹(shao)的(de)(de)公(gong)積(ji)金(jin)有(you)(you)什(shen)么(me)用(yong)？公(gong)積(ji)金(jin)是啥意思之后，是不是對公(gong)積(ji)金(jin)更(geng)加了(le)解(jie)了(le)呢？雖然公(gong)積(ji)金(jin)的(de)(de)用(yong)途有(you)(you)很多，但公(gong)積(ji)金(jin)的(de)(de)提取條件有(you)(you)硬性(xing)的(de)(de)規定，利用(yong)各種手段(duan)套現(xian)使用(yong)的(de)(de)行為(wei)就(jiu)有(you)(you)可能構成違法行為(wei)的(de)(de)。

三、住房公積金如何繳存？

各地(di)方國(guo)(guo)家(jia)機關(guan)、國(guo)(guo)有企(qi)(qi)(qi)業(ye)(ye)、城鎮集體企(qi)(qi)(qi)業(ye)(ye)、外(wai)商投資(zi)(zi)(zi)企(qi)(qi)(qi)業(ye)(ye)、城鎮私營企(qi)(qi)(qi)業(ye)(ye)及其他城鎮企(qi)(qi)(qi)業(ye)(ye)、事業(ye)(ye)單位、民(min)辦(ban)非企(qi)(qi)(qi)業(ye)(ye)單位、社會團體及其在職(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)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)制(zhi)度。根據國(guo)(guo)務院(yuan)《條例》規(gui)定，住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)以職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)本人(ren)上一(yi)(yi)年(nian)度月(yue)(yue)(yue)(yue)平均工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)為(wei)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)基(ji)數。計(ji)算住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)的(de)(de)(de)工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)基(ji)數以國(guo)(guo)家(jia)統計(ji)局發(fa)(fa)布(bu)的(de)(de)(de)《關(guan)于(yu)(yu)工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)總額(e)(e)組(zu)成(cheng)的(de)(de)(de)規(gui)定》內容為(wei)準，由以下(xia)部(bu)(bu)分組(zu)成(cheng)：計(ji)時(shi)工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、計(ji)件工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、獎金(jin)、津貼和補貼、加班(ban)加點工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、特(te)殊(shu)情況下(xia)支(zhi)付的(de)(de)(de)工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)。住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)由兩部(bu)(bu)分組(zu)成(cheng)，一(yi)(yi)是(shi)個(ge)人(ren)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)部(bu)(bu)分，二是(shi)單位繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)部(bu)(bu)分。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)個(ge)人(ren)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)的(de)(de)(de)和單位為(wei)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)的(de)(de)(de)住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)均歸職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)個(ge)人(ren)所有。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)個(ge)人(ren)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)的(de)(de)(de)住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)，由所在單位每(mei)月(yue)(yue)(yue)(yue)從其工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)中(zhong)代扣代繳(jiao)(jiao)(jiao)(jiao)。單位應(ying)當于(yu)(yu)每(mei)月(yue)(yue)(yue)(yue)發(fa)(fa)放職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)之日起5日內將單位繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)的(de)(de)(de)和為(wei)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)代繳(jiao)(jiao)(jiao)(jiao)的(de)(de)(de)住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)匯繳(jiao)(jiao)(jiao)(jiao)到住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)賬(zhang)戶(hu)內，由受委托銀行(xing)計(ji)入職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)賬(zhang)戶(hu)。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)月(yue)(yue)(yue)(yue)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)額(e)(e)=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)本人(ren)上一(yi)(yi)年(nian)度月(yue)(yue)(yue)(yue)平均工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)×職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)比例單位為(wei)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)的(de)(de)(de)住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)月(yue)(yue)(yue)(yue)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)額(e)(e)=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)本人(ren)上一(yi)(yi)年(nian)度月(yue)(yue)(yue)(yue)平均工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)×單位住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)比例住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)月(yue)(yue)(yue)(yue)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)額(e)(e)=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)月(yue)(yue)(yue)(yue)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)額(e)(e)+單位為(wei)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)的(de)(de)(de)住(zhu)(zhu)房(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)月(yue)(yue)(yue)(yue)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(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)規定買房后，在一定時(shi)間內可(ke)(ke)以(yi)(yi)提取(qu)公(gong)積(ji)(ji)金(jin)(jin)(jin)。房奴可(ke)(ke)以(yi)(yi)考慮提取(qu)公(gong)積(ji)(ji)金(jin)(jin)(jin)支(zhi)(zhi)付一部分貸(dai)(dai)款(kuan)，減輕還貸(dai)(dai)壓(ya)力。對于可(ke)(ke)以(yi)(yi)按月(yue)支(zhi)(zhi)取(qu)公(gong)積(ji)(ji)金(jin)(jin)(jin)的(de)(de)地(di)區，還可(ke)(ke)以(yi)(yi)每月(yue)提取(qu)公(gong)積(ji)(ji)金(jin)(jin)(jin)支(zhi)(zhi)付房貸(dai)(dai)，為你每月(yue)還貸(dai)(dai)時(shi)"喘(chuan)口氣"。如果已經辦理了公(gong)積(ji)(ji)金(jin)(jin)(jin)貸(dai)(dai)款(kuan)，在北京等部分地(di)區可(ke)(ke)以(yi)(yi)把公(gong)積(ji)(ji)金(jin)(jin)(jin)提取(qu)賬戶與月(yue)供還貸(dai)(dai)賬戶合二(er)為一，按月(yue)提取(qu)的(de)(de)公(gong)積(ji)(ji)金(jin)(jin)(jin)額度將自動轉化每月(yue)歸還的(de)(de)房貸(dai)(dai)。讓你的(de)(de)還貸(dai)(dai)輕松又方(fang)便。

其實，公(gong)積(ji)金除用(yong)于貸款外(wai)，還可因(yin)為購(gou)房(fang)、建房(fang)、裝(zhuang)修等事(shi)宜，將(jiang)公(gong)積(ji)金這(zhe)一“長期金融不動產”活用(yong)起來。貸款者每年還可提(ti)取公(gong)積(ji)金一次用(yong)于沖還住房(fang)貸款。

2、提取公積金付房租

高得離譜的房價(jia)，讓很多(duo)人望房興嘆，租(zu)房生活(huo)。而很多(duo)人付(fu)了房租(zu)后(hou)，每月收(shou)入基本(ben)就所(suo)剩無(wu)幾(ji)。這時(shi)公積金(jin)就可以(yi)發揮作用嘍(lou)。

很(hen)多(duo)地區都有(you)可(ke)用(yong)公積(ji)金支付(fu)房(fang)(fang)租的規(gui)定，只要房(fang)(fang)租支出超過家(jia)庭收入一定比例(li)，并能夠提供(gong)合(he)(he)法(fa)的房(fang)(fang)屋租賃(lin)合(he)(he)同和(he)**等相關(guan)憑(ping)證，并就可(ke)以用(yong)公積(ji)金付(fu)房(fang)(fang)租了(le)。

3、讓公積金錢生錢

公積金(jin)(jin)賬戶的利息很低，如(ru)果(guo)讓(rang)公積金(jin)(jin)躺(tang)著睡(shui)大覺，這筆(bi)錢(qian)的收益肯定跑不(bu)過CPI。那你就(jiu)只能等著退(tui)休后再(zai)取出(chu)來了(le)。如(ru)果(guo)符(fu)合提(ti)取條(tiao)件，自己又(you)會(hui)理財，不(bu)妨把公積金(jin)(jin)提(ti)取出(chu)來進行(xing)投(tou)資，獲得的收益要比(bi)讓(rang)它躺(tang)在賬戶里高很多。買點基金(jin)(jin)、理財產品都是不(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

即使打算使用公(gong)積金買房子(zi)，那也得先自己支付(fu)了房子(zi)的首付(fu)，然后(hou)才能(neng)提取公(gong)積金還房貸(dai)。雖然公(gong)積金貸(dai)款利率低(di)，但首付(fu)問題還得自己解決。

2、不能想用就用

夫(fu)(fu)妻(qi)雙方(fang)中有(you)一方(fang)辦理過公(gong)積金(jin)貸款，公(gong)積金(jin)管理中心系統上就會有(you)相應記錄，在上次貸款未(wei)還(huan)清前，夫(fu)(fu)妻(qi)雙方(fang)均(jun)不能再使用公(gong)積金(jin)貸款第二套(tao)房。

3、理財要謹慎

如果你不會投資理財，那(nei)也別盲目跟風(feng)(feng)把公積金(jin)(jin)提(ti)出來(lai)。畢竟炒股、買基金(jin)(jin)都是有風(feng)(feng)險的。如(ru)果(guo)跟風(feng)(feng)殺入(ru)(ru)股市，血(xue)本(ben)無歸，那(nei)還不如(ru)讓公積金(jin)(jin)睡大覺，好歹退休有筆收入(ru)(ru)。