問 公(gong)(gong)司(si)從(cong)下個月(yue)開始給(gei)交住房公(gong)(gong)積金，但聽(ting)說公(gong)(gong)積金不(bu)能(neng)隨時提取(qu)，請問(wen)住房公(gong)(gong)積金的積累性和專用性是什么意思？

答 住(zhu)房(fang)(fang)公(gong)(gong)積(ji)(ji)金(jin)的(de)積(ji)(ji)累性，是指(zhi)住(zhu)房(fang)(fang)公(gong)(gong)積(ji)(ji)金(jin)雖然是職(zhi)工(gong)工(gong)資(zi)的(de)組成部分，但不以現金(jin)形(xing)式發放，并且(qie)必須存(cun)入住(zhu)房(fang)(fang)公(gong)(gong)積(ji)(ji)金(jin)管(guan)理中(zhong)心(xin)在受委托(tuo)銀行開設的(de)專戶(hu)(hu)內，實行專戶(hu)(hu)管(guan)理。專用(yong)性是指(zhi)住(zhu)房(fang)(fang)公(gong)(gong)積(ji)(ji)金(jin)實行專款專用(yong)，存(cun)儲期間只(zhi)能按(an)規定(ding)用(yong)于(yu)購、建(jian)、大修自住(zhu)住(zhu)房(fang)(fang)，或交(jiao)納房(fang)(fang)租。職(zhi)工(gong)只(zhi)有在離退休、死亡、完全喪失勞動(dong)能力并與單位終止(zhi)勞動(dong)關系或戶(hu)(hu)口遷出原(yuan)居住(zhu)城市時，才可提取(qu)本人帳戶(hu)(hu)內的(de)住(zhu)房(fang)(fang)公(gong)(gong)積(ji)(ji)金(jin)。