【補(bu)充公(gong)(gong)積(ji)金(jin)】補(bu)充公(gong)(gong)積(ji)金(jin)是什么(me) 補(bu)充公(gong)(gong)積(ji)金(jin)比例(li) 補(bu)充公(gong)(gong)積(ji)金(jin)和公(gong)(gong)積(ji)金(jin)區(qu)別

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大多數人對于公積金都了(le)如指(zhi)掌(zhang)，但對于補(bu)充(chong)公(gong)積(ji)(ji)金的(de)概念卻(que)知之甚(shen)少，補(bu)充(chong)公(gong)積(ji)(ji)金和公(gong)積(ji)(ji)金有(you)什(shen)么區別呢？它是怎(zen)么繳存的(de)呢？小(xiao)編整理了(le)關于補(bu)充(chong)公(gong)積(ji)(ji)金的(de)冷知識，快看看你(ni)有(you)沒有(you)補(bu)充(chong)公(gong)積(ji)(ji)金。

補充公積金是什么？

補充公積(ji)(ji)金一(yi)般(ban)是指(zhi)補充住(zhu)(zhu)房公積(ji)(ji)金，是指(zhi)用(yong)人單位(wei)除了為員(yuan)工繳納(na)住(zhu)(zhu)房公積(ji)(ji)金外(wai)，再(zai)額外(wai)為員(yuan)工繳納(na)一(yi)部(bu)分(fen)錢，這部(bu)分(fen)錢和住(zhu)(zhu)房公積(ji)(ji)金的(de)一(yi)樣使用(yong)，只能在(zai)購房時使用(yong)。

補充公積金是(shi)是(shi)職工買房時可(ke)以使用的(de)資(zi)金，職工個人和所在單位繳存的(de)補充公積金都歸職工個人所有(you)。

由于(yu)補(bu)充(chong)(chong)公(gong)(gong)積金(jin)(jin)賬(zhang)(zhang)號和基本(ben)公(gong)(gong)積金(jin)(jin)賬(zhang)(zhang)號存在(zai)(zai)關聯，借款(kuan)人(ren)在(zai)(zai)辦(ban)理沖還(huan)貸手(shou)續時(shi)只(zhi)要提供了基本(ben)公(gong)(gong)積金(jin)(jin)賬(zhang)(zhang)號，計算機在(zai)(zai)扣款(kuan)時(shi)就會根據關聯規(gui)則自動從對應的(de)補(bu)充(chong)(chong)公(gong)(gong)積金(jin)(jin)賬(zhang)(zhang)戶(hu)內進(jin)行扣款(kuan)，扣款(kuan)順序先(xian)扣基本(ben)公(gong)(gong)積金(jin)(jin)賬(zhang)(zhang)戶(hu)，后扣補(bu)充(chong)(chong)公(gong)(gong)積金(jin)(jin)賬(zhang)(zhang)戶(hu)。

補充公積金比例

補(bu)(bu)(bu)(bu)充(chong)住房公(gong)(gong)積金(jin)(jin)(jin)月繳存額度(du)=職(zhi)工(gong)個人上年(nian)平均月工(gong)資*（職(zhi)工(gong)個人補(bu)(bu)(bu)(bu)充(chong)公(gong)(gong)積金(jin)(jin)(jin)繳存比例(li)+企(qi)業(ye)(ye)補(bu)(bu)(bu)(bu)充(chong)公(gong)(gong)積金(jin)(jin)(jin)繳存比例(li)），規定(ding)要(yao)(yao)求職(zhi)工(gong)個人補(bu)(bu)(bu)(bu)充(chong)公(gong)(gong)積金(jin)(jin)(jin)的繳存≤8%，企(qi)業(ye)(ye)補(bu)(bu)(bu)(bu)充(chong)住房公(gong)(gong)積金(jin)(jin)(jin)的繳存≤1%，具體(ti)的繳存比例(li)和(he)額度(du)，要(yao)(yao)視不同(tong)企(qi)業(ye)(ye)的具體(ti)情況而定(ding)。

職(zhi)工(gong)(gong)(gong)繳(jiao)存(cun)的(de)(de)補充(chong)住(zhu)(zhu)房(fang)公(gong)積(ji)金，由單(dan)位(wei)在(zai)職(zhi)工(gong)(gong)(gong)每月(yue)工(gong)(gong)(gong)資(zi)收(shou)入中代為(wei)扣除；單(dan)位(wei)為(wei)職(zhi)工(gong)(gong)(gong)繳(jiao)存(cun)的(de)(de)補充(chong)住(zhu)(zhu)房(fang)公(gong)積(ji)金，由單(dan)位(wei)承擔(dan)。單(dan)位(wei)為(wei)職(zhi)工(gong)(gong)(gong)繳(jiao)存(cun)的(de)(de)和(he)代扣的(de)(de)補充(chong)住(zhu)(zhu)房(fang)公(gong)積(ji)金，由單(dan)位(wei)自發放月(yue)工(gong)(gong)(gong)資(zi)之(zhi)日(ri)起五日(ri)內，存(cun)入市(shi)公(gong)積(ji)金管理(li)中心(xin)在(zai)市(shi)建(jian)行房(fang)地(di)產信貸部設立的(de)(de)補充(chong)住(zhu)(zhu)房(fang)公(gong)積(ji)金專(zhuan)戶內，并且計入職(zhi)工(gong)(gong)(gong)個人補充(chong)住(zhu)(zhu)房(fang)公(gong)積(ji)金賬戶。

補充公積金和公積金區別

1、繳(jiao)(jiao)存的強制性不同。住(zhu)(zhu)房公積(ji)金(jin)要求(qiu)企(qi)業職工強制繳(jiao)(jiao)納的，而補(bu)充住(zhu)(zhu)房公積(ji)金(jin)的繳(jiao)(jiao)存是自(zi)愿的。

2、繳存范圍不同。補(bu)充住房公(gong)積金有(you)一(yi)定(ding)(ding)的繳存限制，規定(ding)(ding)要求繳納補(bu)充住房公(gong)積金的企(qi)(qi)(qi)業(ye)必須是(shi)足額繳納稅款的企(qi)(qi)(qi)業(ye)和(he)和(he)自收自支的事業(ye)單(dan)位(wei)，其所屬職工(gong)有(you)資格享受(shou)補(bu)充住房公(gong)積金的繳存。而住房公(gong)積金是(shi)只要是(shi)在國家機(ji)關、國企(qi)(qi)(qi)、外(wai)企(qi)(qi)(qi)、私企(qi)(qi)(qi)、事業(ye)單(dan)位(wei)、民辦非企(qi)(qi)(qi)業(ye)單(dan)位(wei)、社會團體等(deng)機(ji)構內(nei)工(gong)作的職工(gong)，個(ge)人和(he)企(qi)(qi)(qi)業(ye)按照一(yi)定(ding)(ding)的比例(li)定(ding)(ding)期繳納公(gong)積金。

3、繳(jiao)(jiao)納比例(li)不同。補(bu)充住房(fang)公積金單位(wei)繳(jiao)(jiao)存比例(li)不大(da)于(yu)8％，個人繳(jiao)(jiao)存比例(li)不小于(yu)1％的范圍內，由單位(wei)自行確定，其繳(jiao)(jiao)存額沒有上下限(xian)限(xian)制。而住房(fang)公積金的繳(jiao)(jiao)存比例(li)為單位(wei)和個人各繳(jiao)(jiao)7％，其繳(jiao)(jiao)存額度有上下限(xian)的限(xian)制。

補充公積金貸款

由于一部(bu)(bu)分企(qi)業(ye)效益(yi)較(jiao)好，7%的公積金繳(jiao)存(cun)額(e)(e)度(du)(du)已無法(fa)適應這(zhe)些企(qi)業(ye)職(zhi)(zhi)工(gong)的需求，但(dan)社會(hui)普遍(bian)調整公積金繳(jiao)存(cun)額(e)(e)度(du)(du)存(cun)在難度(du)(du)，加上企(qi)業(ye)也(ye)愿意做為職(zhi)(zhi)工(gong)增加這(zhe)部(bu)(bu)分福(fu)利，故(gu)本市(shi)有關部(bu)(bu)門去年下半年開始實施補(bu)充公積金制度(du)(du)。根(gen)據《補(bu)充公積金暫行(xing)辦法(fa)》，除政府機關和全(quan)額(e)(e)財(cai)政撥款單位外，其它自收自支(zhi)、效益(yi)較(jiao)好的企(qi)事業(ye)單位，都可在完(wan)成法(fa)定公積金繳(jiao)存(cun)比例后，再增加繳(jiao)存(cun)比例，繳(jiao)存(cun)方式(shi)同樣(yang)是(shi)個人出多少(shao)，企(qi)業(ye)出多少(shao)。

申請補充公積(ji)(ji)金貸(dai)款(kuan)的，不單(dan)獨簽訂補充住(zhu)(zhu)房公積(ji)(ji)金貸(dai)款(kuan)合(he)同(tong)，而是在住(zhu)(zhu)房公積(ji)(ji)金貸(dai)款(kuan)合(he)同(tong)中，增加(jia)補充住(zhu)(zhu)房公積(ji)(ji)金貸(dai)款(kuan)金額(e)。

補充公積金還貸須提供的材料

1、由單(dan)位(wei)蓋章的(de)《住(zhu)房公(gong)積金(jin)提(ti)取證(zheng)明》

2、由(you)提(ti)取(qu)人填寫的《公積金（補充）提(ti)取(qu)申(shen)請書(shu)》

3、提取(qu)人及委(wei)托人身(shen)份證(zheng)、戶(hu)口簿或關系證(zheng)明

4、借款合同或原還款憑證(zheng)

一、借(jie)款人(ren)向擔(dan)保公司提(ti)供相關資料證明：夫妻雙(shuang)方(fang)（若有共(gong)同還(huan)貸人(ren)，還(huan)需提(ti)供參(can)與還(huan)貸人(ren)）的(de)(de)(de)身(shen)份證、戶(hu)口薄等原件(jian)(jian)(jian)及(ji)復(fu)(fu)(fu)印(yin)件(jian)(jian)(jian)3份；借(jie)款人(ren)的(de)(de)(de)婚(hun)姻狀況證明及(ji)復(fu)(fu)(fu)印(yin)件(jian)(jian)(jian)3份；夫婦(fu)雙(shuang)方(fang)（參(can)與還(huan)貸人(ren)）的(de)(de)(de)月(yue)收入證明原件(jian)(jian)(jian)及(ji)復(fu)(fu)(fu)印(yin)件(jian)(jian)(jian)一份；占房(fang)價40%或(huo)以上的(de)(de)(de)自籌資金證明交存到房(fang)地產(chan)交易中心或(huo)售(shou)房(fang)單位(wei)出具的(de)(de)(de)收據原件(jian)(jian)(jian)及(ji)復(fu)(fu)(fu)印(yin)件(jian)(jian)(jian)兩份；購房(fang)合同原件(jian)(jian)(jian)和(he)復(fu)(fu)(fu)印(yin)件(jian)(jian)(jian)2份；

二、申請(qing)組合貸款(kuan)的借款(kuan)人（含(han)其配偶(ou)），須由(you)單位提供單位公(gong)積金(jin)賬號及本人（含(han)其配偶(ou)）公(gong)積金(jin)月繳額（單位在《個人住(zhu)房置業擔保貸款(kuan)申請(qing)呈報表上填(tian)寫并蓋章(zhang)。）；

三(san)、確定擬貸款額度，由貸款銀行、城(cheng)市房改資金管(guan)理中心(xin)、擔保(bao)公司進行審批(pi)；

四、審批通過后簽訂相關合同(tong)，辦理有關手續。銀行發放(fang)貸款。借(jie)款人按期還本(ben)付息。根據《上海市(shi)補充住房公積金(jin)暫行辦法(fa)》，除國家機(ji)關、差額預算事(shi)業(ye)單(dan)位(wei)和社會團體及其(qi)(qi)所屬(shu)的(de)職(zhi)工外，其(qi)(qi)它自收自支(zhi)、效(xiao)益較好的(de)企事(shi)業(ye)單(dan)位(wei)，都可在(zai)完成法(fa)定公積金(jin)繳存比例后，再增(zeng)加繳存比例，繳存方(fang)式同(tong)樣是個(ge)人出多少，企業(ye)出多少。

通俗地說，補充公積金就是公司愿意為員工在交足普通公積金比例后，再出一筆錢用于公積金，員(yuan)工自己(ji)也要同比例交。這是福利，不是每個(ge)公司都(dou)愿意的。

職(zhi)工(gong)(gong)(gong)繳存(cun)的補(bu)充(chong)(chong)住房公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)，由單(dan)位在(zai)(zai)職(zhi)工(gong)(gong)(gong)每(mei)月工(gong)(gong)(gong)資收入中代為(wei)扣除(chu)；單(dan)位為(wei)職(zhi)工(gong)(gong)(gong)繳存(cun)的補(bu)充(chong)(chong)住房公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)，由單(dan)位承擔。單(dan)位為(wei)職(zhi)工(gong)(gong)(gong)繳存(cun)的和(he)代扣的補(bu)充(chong)(chong)住房公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)，由單(dan)位自發放月工(gong)(gong)(gong)資之日(ri)起五日(ri)內，存(cun)入市(shi)公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)管(guan)理中心(xin)在(zai)(zai)市(shi)建行房地產(chan)信貸(dai)部設(she)立的補(bu)充(chong)(chong)住房公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)專(zhuan)戶內，并且(qie)計入職(zhi)工(gong)(gong)(gong)個人補(bu)充(chong)(chong)住房公(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)賬戶。