如何正确打开公积金？这些冷门知识帮你挣钱

房天下   2017-07-04 16:05

[摘要] 很多人觉得公积金缴纳不划算，一笔钱放在那不能动，其实客观来说公积金可能是五险一金中最划算的投入了。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">很多人觉得公积金缴纳不划算，一笔钱放在那不能动，其实客观来说公积金可能是五险一金中最划算的投入了。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; TEXT-ALIGN: center; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">一、你的公积金一定是你的

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">养老金账户分为个人账户和统筹账户，公司缴的养老金是进统筹账户的，不归个人。可是公积金账户却不同，它是完全归属个人的账户，也就是说里面的钱是归你自己的。不管你以后到哪里上班，以后还是否继续缴存，只要进了公积金账户里的钱，就只有你能拿出来。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">二、你的公积金怎么“变成”你的

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">虽然公积金账户里的钱是归你个人的，但是也不是随便就可以取出的，一般在这几种情况下才可以取出：

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">1、购房时取出作为首付

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">公积金缴存了一定时间后（各地公积金管理中心要求不同，有的是6个月有的是12个月甚至24个月），你在买房后就可以拿着购房合同去公积金管理中心办理公积金提取了。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">2、建造、翻建、大修住房

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">如果涉及到大修住房，也是可以一次性提取公积金所有余额的，但提取金额不能超过建造、翻建、大修自住住房的总费用，而且只能提取一次。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">大修住房是指：

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">①需要牵动或拆换住房部分主体构件，但不需全部拆除住房。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">②需要大修的房屋指房屋完损等级被评定为严重损坏房或危险房的。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">3、租房时用来付租金

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">刚步入职场没多久的年轻人大多需要租房住，而租房也可以提取公积金来支付租金的。以前提取公积金交房租很麻烦，现在不少地区都简化了公积金提取手续，以北京为例，只需要提交公积金提取申请书、身份证、无自有住房证明、提取住房公积金支付房租承诺、授权书和结婚证即可。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">4、申请利率低的公积金贷款

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">和商业贷款相比，公积金贷款的利率要低得多，所以缴存公积金的一个用途就是可以申请公积金贷款。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">三、冷门知识：这些公积金也是你的

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">其实，有关公积金还有更多的“冷门”知识，你不知道可要吃亏的。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">1、买房时可提取父母的公积金

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">想买房时如果自己的公积金不足，是可以提取父母公积金的。目前大部分地区的公积金管理中心都出台了直系亲属之间可以互相提取公积金买房的政策。简单的说，如果我的公积金不够买房的，但是我爸妈的够，那我就可以以我的名义买房，但是提取我爸妈的公积金来付房款。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">2、公积金可以用来看病

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">公积金可以用来看病，但这个病是指重大疾病或重大手术住院治疗，患病的不一定非得是本人，可以是家庭成员（包括配偶及未成年子女）。但需要注意的是，各地对重大疾病的规定有所不同。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">3、公积金的缴存秘密

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">公积金缴存有限制的。缴存比例不能超过12％，缴存基数不超过当地上一年度平均工资的3倍。也就是说，就算你月入5万，但是所在地上一年平均工资是3000元，那你的公司只能按照9000元的基数缴纳。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">4、公积金余额可以继承

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">公积金作为个人账户财产，是可以作为遗产进行分配的。如果缴存人去世，他的继承人或受遗赠人可以提取公积金账户内的余额。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">5、公积金断缴影响买房

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">申请公积金贷款都有连续缴存的时间要求，各地要求不一样，有6个月、12个月甚至24个月的。如果在你买房之前发生了公积金断缴，就无法办理公积金贷款了。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">6、公积金可以当低保使

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">如果公积金缴存人被纳入当地城镇居民生活保障或特困救助范围，本人及配偶可申请提取住房公积金，提取金额不超过被纳入生活保障范围或特困救助范围期间及之前的住房公积金金额。

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