問 我(wo)是(shi)一名技術員，現在正在濟南工作，想知(zhi)道退休(xiu)了(le)還有公積金嗎？

答(da) （1）住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)只(zhi)在(zai)(zai)(zai)城(cheng)鎮(zhen)建(jian)(jian)立，農村不建(jian)(jian)立住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)度。 　　 （2）只(zhi)有在(zai)(zai)(zai)職職工(gong)(gong)(gong)才建(jian)(jian)立住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)度。無工(gong)(gong)(gong)作的城(cheng)鎮(zhen)居民不實(shi)(shi)行(xing)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)度，離退休職工(gong)(gong)(gong)也不實(shi)(shi)行(xing)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)度。 　　 （3）住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)由(you)兩部分組成，一(yi)部分由(you)職工(gong)(gong)(gong)所在(zai)(zai)(zai)單位(wei)繳存(cun)，另一(yi)部分由(you)職工(gong)(gong)(gong)個(ge)人(ren)(ren)繳存(cun)，職工(gong)(gong)(gong)個(ge)人(ren)(ren)繳存(cun)部分由(you)單位(wei)代扣(kou)后(hou)，連同單位(wei)繳存(cun)部分一(yi)并繳存(cun)到(dao)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)個(ge)人(ren)(ren)帳戶(hu)(hu)內。 　　 （4）住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)繳存(cun)的長期性。住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)度一(yi)經建(jian)(jian)立，職工(gong)(gong)(gong)在(zai)(zai)(zai)職期間(jian)(jian)必須(xu)不間(jian)(jian)斷地按規(gui)定(ding)繳存(cun)，除職工(gong)(gong)(gong)離退休或發(fa)生《住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)管理條例(li)》規(gui)定(ding)的其他(ta)情形(xing)外，不得中止和中斷。體現了住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)的穩定(ding)性、統一(yi)性、規(gui)范性和強制(zhi)(zhi)性。 　　（5）住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)是(shi)職工(gong)(gong)(gong)按規(gui)定(ding)存(cun)儲起來(lai)的專(zhuan)(zhuan)(zhuan)項用于住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)消費支出的個(ge)人(ren)(ren)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)儲金(jin)(jin)(jin)，具有兩個(ge)特征(zheng)：一(yi)是(shi)積(ji)(ji)(ji)(ji)(ji)累性，即住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)雖然是(shi)職工(gong)(gong)(gong)工(gong)(gong)(gong)資的組成部分，但不以現金(jin)(jin)(jin)形(xing)式發(fa)放，并且(qie)必須(xu)存(cun)入(ru)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)管理中心在(zai)(zai)(zai)受委(wei)托(tuo)銀行(xing)開設的專(zhuan)(zhuan)(zhuan)戶(hu)(hu)內，實(shi)(shi)行(xing)專(zhuan)(zhuan)(zhuan)戶(hu)(hu)管理。二是(shi)專(zhuan)(zhuan)(zhuan)用性，住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)實(shi)(shi)行(xing)專(zhuan)(zhuan)(zhuan)款專(zhuan)(zhuan)(zhuan)用，存(cun)儲期間(jian)(jian)只(zhi)能按規(gui)定(ding)用于購、建(jian)(jian)、大修(xiu)自住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)，或交納房(fang)(fang)(fang)(fang)(fang)租。職工(gong)(gong)(gong)只(zhi)有在(zai)(zai)(zai)離退休、死亡、完全喪(sang)失勞(lao)動(dong)能力并與單位(wei)終止勞(lao)動(dong)關系或戶(hu)(hu)口(kou)遷出原居住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)城(cheng)市時，才可提取(qu)本人(ren)(ren)帳戶(hu)(hu)內的住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)。