【住(zhu)房(fang)公(gong)積金(jin)】住(zhu)房(fang)公(gong)積金(jin)有什么用 住(zhu)房(fang)公(gong)積金(jin)如何繳存

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公積金是現在找工(gong)作(zuo)的基本(ben)配置，當然有(you)些(xie)也(ye)會缺(que)少公積(ji)(ji)金(jin)這(zhe)一塊，但(dan)是相(xiang)對來(lai)說，工(gong)資就(jiu)會高(gao)(gao)一些(xie)。有(you)些(xie)人覺得只要工(gong)資高(gao)(gao)，有(you)五(wu)險就(jiu)夠(gou)了，但(dan)事實真的是這(zhe)樣(yang)嗎？那(nei)么(me)，公積(ji)(ji)金(jin)有(you)什么(me)用？住房公積(ji)(ji)金(jin)是啥意思呢(ni)？

一、住房公積金是啥意思？

住(zhu)房(fang)公(gong)積金制度(du)實(shi)際上(shang)是一(yi)種(zhong)住(zhu)房(fang)保障(zhang)制度(du)，是住(zhu)房(fang)分配貨幣化(hua)的一(yi)種(zhong)形式(shi)。住(zhu)房(fang)公(gong)積金制度(du)是國(guo)家法律(lv)規(gui)定的重要的住(zhu)房(fang)社會(hui)保障(zhang)制度(du)，具有強制性、互助性、保障(zhang)性。

單(dan)位為職(zhi)工繳存(cun)的(de)住房(fang)(fang)公(gong)積(ji)(ji)金是職(zhi)工工資的(de)組(zu)成部分，單(dan)位為職(zhi)工繳存(cun)住房(fang)(fang)公(gong)積(ji)(ji)金是單(dan)位的(de)義務，享受住房(fang)(fang)公(gong)積(ji)(ji)金政策是職(zhi)工的(de)合(he)法權利。職(zhi)工個人繳存(cun)的(de)住房(fang)(fang)公(gong)積(ji)(ji)金以及單(dan)位為其繳存(cun)的(de)住房(fang)(fang)公(gong)積(ji)(ji)金，實(shi)行(xing)專戶存(cun)儲，歸職(zhi)工個人所有。

二、公積金有什么用？

1、購房

使用公積(ji)金購(gou)房又分為以下兩種情況：

（1）貸款

公(gong)積(ji)金(jin)貸(dai)款(kuan)買房(fang)時比較常見的一種(zhong)方式，并且(qie)公(gong)積(ji)金(jin)貸(dai)款(kuan)的利(li)息(xi)遠低于商業貸(dai)款(kuan)，所(suo)以更多的人(ren)愿意使用(yong)公(gong)積(ji)金(jin)貸(dai)款(kuan)買房(fang)，具體的額度以及利(li)率(lv)可以參照各地貸(dai)款(kuan)政策，或者咨詢(xun)各地公(gong)積(ji)金(jin)管理部(bu)門(men)以及單位人(ren)事部(bu)門(men)等。

（2）提取(qu)

使(shi)用公積(ji)金(jin)購(gou)房可以提取(qu)公積(ji)金(jin)來償還本息，如果不(bu)用公積(ji)金(jin)來進行貸(dai)款的話，使(shi)用商業貸(dai)款的時候，還可以提取(qu)公積(ji)金(jin)貸(dai)款賬戶的金(jin)額來作為購(gou)房的首(shou)付款，也(ye)(ye)可以提取(qu)公積(ji)金(jin)來償還本息，另(ling)外如果購(gou)房過(guo)程(cheng)中不(bu)需要貸(dai)款，也(ye)(ye)可以一次性取(qu)出公積(ji)金(jin)。

2、租房

如果有的朋友目前還處于租(zu)(zu)(zu)(zu)房的狀況，這個時候(hou)公積金(jin)(jin)也可以(yi)提取(qu)用(yong)去房屋租(zu)(zu)(zu)(zu)金(jin)(jin)的支付，租(zu)(zu)(zu)(zu)房者可以(yi)申請提取(qu)公積金(jin)(jin)用(yong)于支付房租(zu)(zu)(zu)(zu)，減(jian)輕自己的生活壓力。公積金(jin)(jin)不(bu)僅可以(yi)支付配租(zu)(zu)(zu)(zu)或政府招租(zu)(zu)(zu)(zu)補貼的經濟租(zu)(zu)(zu)(zu)賃房房租(zu)(zu)(zu)(zu)，也可以(yi)支付市(shi)場(chang)租(zu)(zu)(zu)(zu)房房租(zu)(zu)(zu)(zu)，讓你(ni)不(bu)用(yong)再為房租(zu)(zu)(zu)(zu)發(fa)愁。

3、裝修

住(zhu)房(fang)(fang)公(gong)(gong)積(ji)金(jin)還(huan)可以(yi)(yi)在我們裝修的(de)時候使用，這點很多人可能都不太清楚，大家可以(yi)(yi)在各個地區的(de)住(zhu)房(fang)(fang)公(gong)(gong)積(ji)金(jin)的(de)管(guan)理部門進行(xing)申請和咨詢。就算目前買不了新(xin)房(fang)(fang)，裝修一下現有(you)的(de)家，也會讓(rang)人有(you)一種(zhong)住(zhu)新(xin)房(fang)(fang)的(de)感覺。

而且(qie)現在(zai)裝修(xiu)(xiu)花銷也不低(di)，用(yong)(yong)(yong)公積金會減(jian)少(shao)很大(da)一部(bu)分開支，在(zai)提(ti)高住(zhu)房(fang)質量的同時，還可以(yi)盡(jin)可能地(di)不影響(xiang)現有的生活質量。如果在(zai)農村集體(ti)土地(di)上建(jian)造、翻建(jian)和大(da)修(xiu)(xiu)自有住(zhu)房(fang)且(qie)使用(yong)(yong)(yong)住(zhu)房(fang)貸(dai)款(kuan)的，職(zhi)工及配偶可以(yi)申(shen)請(qing)提(ti)取一部(bu)分公積金，提(ti)取合計不超過修(xiu)(xiu)建(jian)房(fang)費用(yong)(yong)(yong)。

4、建造翻修住房使用

有的朋(peng)友可(ke)能不需要(yao)在(zai)城內購買住房(fang)(fang)，那么住房(fang)(fang)公積金也可(ke)以(yi)在(zai)房(fang)(fang)屋修建(jian)的時候(hou)提取使用，這(zhe)點(dian)很(hen)多人(ren)可(ke)能都不太清楚，大家可(ke)以(yi)在(zai)各個地區的住房(fang)(fang)公積金的辦理處進行申請和咨詢。

5、重大疾病支付

公積(ji)金(jin)(jin)用于(yu)重大(da)(da)(da)疾病的(de)(de)醫療(liao)費用支(zhi)付，這一點可能(neng)了解的(de)(de)朋友不多，現在(zai)除了醫療(liao)保(bao)(bao)險能(neng)夠補貼我(wo)們日常的(de)(de)一些醫療(liao)費用之外，公積(ji)金(jin)(jin)也(ye)可以(yi)提(ti)取用于(yu)醫療(liao)費用的(de)(de)支(zhi)付，因此(ci)在(zai)醫療(liao)保(bao)(bao)險和(he)公積(ji)金(jin)(jin)的(de)(de)雙重保(bao)(bao)障(zhang)下，醫療(liao)費用的(de)(de)負擔也(ye)被大(da)(da)(da)大(da)(da)(da)減輕了。

6、低保困難家庭提取使用

如(ru)果單位的(de)有職(zhi)工(gong)被列(lie)為了低(di)保或者困難救助的(de)范圍(wei)(wei)(wei)，這(zhe)種條件下也可以提取公積(ji)金補貼家用，但是提取的(de)金額不能超過較低(di)生活保障范圍(wei)(wei)(wei)或特(te)困救助范圍(wei)(wei)(wei)。

在大家的(de)(de)普遍(bian)意識里，公積(ji)(ji)(ji)金(jin)主要就(jiu)是用于購買(mai)房屋時使用的(de)(de)，看了小編介(jie)紹的(de)(de)公積(ji)(ji)(ji)金(jin)有什(shen)么(me)用？公積(ji)(ji)(ji)金(jin)是啥意思之后，是不是對公積(ji)(ji)(ji)金(jin)更加了解了呢？雖然公積(ji)(ji)(ji)金(jin)的(de)(de)用途(tu)有很多，但(dan)公積(ji)(ji)(ji)金(jin)的(de)(de)提(ti)取條(tiao)件(jian)有硬性的(de)(de)規定(ding)，利(li)用各種手段套現使用的(de)(de)行為(wei)就(jiu)有可能構成違法行為(wei)的(de)(de)。

三、住房公積金如何繳存？

各(ge)地方國(guo)家(jia)機關、國(guo)有企業(ye)(ye)、城(cheng)(cheng)鎮(zhen)集體(ti)企業(ye)(ye)、外(wai)商投(tou)資(zi)(zi)(zi)企業(ye)(ye)、城(cheng)(cheng)鎮(zhen)私營(ying)企業(ye)(ye)及其(qi)他城(cheng)(cheng)鎮(zhen)企業(ye)(ye)、事(shi)業(ye)(ye)單(dan)(dan)(dan)位(wei)(wei)(wei)(wei)(wei)、民(min)辦非(fei)企業(ye)(ye)單(dan)(dan)(dan)位(wei)(wei)(wei)(wei)(wei)、社會團體(ti)及其(qi)在(zai)職(zhi)(zhi)(zhi)(zhi)職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)，須建立住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)制(zhi)度(du)(du)。根據國(guo)務院《條例(li)》規(gui)定(ding)，住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)以職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)本人(ren)(ren)上一(yi)年(nian)度(du)(du)月(yue)平均工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)為繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)基數。計(ji)算住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)的(de)(de)工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)基數以國(guo)家(jia)統計(ji)局發(fa)布的(de)(de)《關于(yu)工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)總額組成(cheng)的(de)(de)規(gui)定(ding)》內(nei)容為準，由以下(xia)部(bu)分(fen)(fen)組成(cheng)：計(ji)時(shi)工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、計(ji)件工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、獎(jiang)金(jin)(jin)、津貼和(he)補貼、加班加點工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)、特殊情況(kuang)下(xia)支付(fu)的(de)(de)工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)。住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)由兩(liang)部(bu)分(fen)(fen)組成(cheng)，一(yi)是個人(ren)(ren)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)部(bu)分(fen)(fen)，二是單(dan)(dan)(dan)位(wei)(wei)(wei)(wei)(wei)繳(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)個人(ren)(ren)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)和(he)單(dan)(dan)(dan)位(wei)(wei)(wei)(wei)(wei)為職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)均歸職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)個人(ren)(ren)所(suo)有。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)個人(ren)(ren)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)，由所(suo)在(zai)單(dan)(dan)(dan)位(wei)(wei)(wei)(wei)(wei)每月(yue)從其(qi)工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)中代(dai)(dai)扣(kou)代(dai)(dai)繳(jiao)(jiao)(jiao)(jiao)。單(dan)(dan)(dan)位(wei)(wei)(wei)(wei)(wei)應(ying)當于(yu)每月(yue)發(fa)放職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)之日(ri)起5日(ri)內(nei)將單(dan)(dan)(dan)位(wei)(wei)(wei)(wei)(wei)繳(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)代(dai)(dai)繳(jiao)(jiao)(jiao)(jiao)的(de)(de)住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)匯(hui)繳(jiao)(jiao)(jiao)(jiao)到住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)賬戶(hu)內(nei)，由受委(wei)托銀行計(ji)入職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)賬戶(hu)。職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)月(yue)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)額=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)本人(ren)(ren)上一(yi)年(nian)度(du)(du)月(yue)平均工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)×職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)比(bi)例(li)單(dan)(dan)(dan)位(wei)(wei)(wei)(wei)(wei)為職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)月(yue)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)額=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)本人(ren)(ren)上一(yi)年(nian)度(du)(du)月(yue)平均工(gong)(gong)(gong)(gong)(gong)資(zi)(zi)(zi)×單(dan)(dan)(dan)位(wei)(wei)(wei)(wei)(wei)住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)比(bi)例(li)住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)月(yue)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)額=職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)月(yue)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)額+單(dan)(dan)(dan)位(wei)(wei)(wei)(wei)(wei)為職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)的(de)(de)住(zhu)(zhu)(zhu)房(fang)公(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)金(jin)(jin)月(yue)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)(cun)(cun)額。

四、住房公積金有什么好處？

1、提前還貸減壓力

很(hen)多地(di)方規定(ding)買(mai)房(fang)后(hou)，在一(yi)(yi)定(ding)時間內可(ke)(ke)以(yi)(yi)提取(qu)(qu)公(gong)(gong)(gong)積金(jin)。房(fang)奴可(ke)(ke)以(yi)(yi)考慮提取(qu)(qu)公(gong)(gong)(gong)積金(jin)支付(fu)一(yi)(yi)部分貸(dai)(dai)(dai)款，減輕(qing)還(huan)貸(dai)(dai)(dai)壓力。對于可(ke)(ke)以(yi)(yi)按月支取(qu)(qu)公(gong)(gong)(gong)積金(jin)的地(di)區，還(huan)可(ke)(ke)以(yi)(yi)每(mei)月提取(qu)(qu)公(gong)(gong)(gong)積金(jin)支付(fu)房(fang)貸(dai)(dai)(dai)，為(wei)你每(mei)月還(huan)貸(dai)(dai)(dai)時"喘(chuan)口氣"。如果已經辦理了公(gong)(gong)(gong)積金(jin)貸(dai)(dai)(dai)款，在北(bei)京等部分地(di)區可(ke)(ke)以(yi)(yi)把公(gong)(gong)(gong)積金(jin)提取(qu)(qu)賬(zhang)戶(hu)與月供(gong)還(huan)貸(dai)(dai)(dai)賬(zhang)戶(hu)合二為(wei)一(yi)(yi)，按月提取(qu)(qu)的公(gong)(gong)(gong)積金(jin)額度(du)將自(zi)動(dong)轉化每(mei)月歸還(huan)的房(fang)貸(dai)(dai)(dai)。讓你的還(huan)貸(dai)(dai)(dai)輕(qing)松又方便。

其實(shi)，公積金除用于(yu)貸(dai)款外，還(huan)可(ke)因為購房(fang)、建房(fang)、裝修等事宜，將公積金這(zhe)一“長期金融不(bu)動產”活用起來。貸(dai)款者每年還(huan)可(ke)提取公積金一次用于(yu)沖還(huan)住(zhu)房(fang)貸(dai)款。

2、提取公積金付房租

高得(de)離譜的房(fang)價(jia)，讓很多人(ren)望房(fang)興嘆，租(zu)房(fang)生活(huo)。而(er)很多人(ren)付了房(fang)租(zu)后，每月(yue)收入基本(ben)就所剩無(wu)幾。這(zhe)時公積(ji)金(jin)就可以發揮作用嘍。

很多地區都(dou)有可用(yong)公積(ji)金支付(fu)房(fang)(fang)租的規定(ding)，只(zhi)要房(fang)(fang)租支出超過家(jia)庭收入一定(ding)比例(li)，并能夠提供合(he)法的房(fang)(fang)屋(wu)租賃合(he)同(tong)和**等相關憑證(zheng)，并就可以用(yong)公積(ji)金付(fu)房(fang)(fang)租了。

3、讓公積金錢生錢

公積金(jin)賬(zhang)(zhang)戶的(de)利息很低，如(ru)果讓(rang)公積金(jin)躺(tang)著睡大(da)覺，這筆錢(qian)的(de)收益肯(ken)定(ding)跑(pao)不過(guo)CPI。那你(ni)就(jiu)只能等著退(tui)休后再取出來了。如(ru)果符合提取條件，自(zi)己又會理(li)財，不妨把公積金(jin)提取出來進行(xing)投資(zi)，獲得的(de)收益要比讓(rang)它躺(tang)在賬(zhang)(zhang)戶里高(gao)很多。買點基金(jin)、理(li)財產品都是不錯(cuo)的(de)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(yong)公(gong)積(ji)金(jin)買(mai)房(fang)(fang)子(zi)，那也得先自己(ji)支(zhi)付了房(fang)(fang)子(zi)的(de)首付，然后才能提取公(gong)積(ji)金(jin)還房(fang)(fang)貸。雖然公(gong)積(ji)金(jin)貸款利率低，但首付問題還得自己(ji)解(jie)決。

2、不能想用就用

夫妻雙方(fang)中(zhong)有一方(fang)辦理(li)過(guo)公積金貸款(kuan)，公積金管理(li)中(zhong)心系統上(shang)就會有相應記錄，在上(shang)次貸款(kuan)未還清(qing)前，夫妻雙方(fang)均不能(neng)再使用公積金貸款(kuan)第二套房。

3、理財要謹慎

如果你不會投資理財，那也別盲目跟風(feng)把公(gong)積金提出(chu)來。畢竟炒股、買基金都是有風(feng)險的。如(ru)果(guo)跟風(feng)殺入(ru)股市，血本(ben)無歸，那還不如(ru)讓公(gong)積金睡大覺，好歹退休有筆(bi)收入(ru)。