問 我是一名技術員，現在正在濟南(nan)工作，想知道退休了還有公積金嗎？

答(da) （1）住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)只(zhi)在(zai)城(cheng)(cheng)鎮建(jian)(jian)立，農村不(bu)建(jian)(jian)立住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)制(zhi)度(du)。 　　 （2）只(zhi)有(you)(you)在(zai)職(zhi)(zhi)(zhi)(zhi)(zhi)職(zhi)(zhi)(zhi)(zhi)(zhi)工(gong)(gong)才建(jian)(jian)立住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)制(zhi)度(du)。無工(gong)(gong)作的(de)(de)(de)城(cheng)(cheng)鎮居民(min)不(bu)實行住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)制(zhi)度(du)，離退休職(zhi)(zhi)(zhi)(zhi)(zhi)工(gong)(gong)也不(bu)實行住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)制(zhi)度(du)。 　　 （3）住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)由兩部(bu)分(fen)組成，一部(bu)分(fen)由職(zhi)(zhi)(zhi)(zhi)(zhi)工(gong)(gong)所在(zai)單(dan)位繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)，另一部(bu)分(fen)由職(zhi)(zhi)(zhi)(zhi)(zhi)工(gong)(gong)個(ge)人繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)，職(zhi)(zhi)(zhi)(zhi)(zhi)工(gong)(gong)個(ge)人繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)部(bu)分(fen)由單(dan)位代(dai)扣后，連(lian)同單(dan)位繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)部(bu)分(fen)一并繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)到住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)個(ge)人帳(zhang)戶(hu)內(nei)。 　　 （4）住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)的(de)(de)(de)長(chang)期性(xing)(xing)(xing)。住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)制(zhi)度(du)一經(jing)建(jian)(jian)立，職(zhi)(zhi)(zhi)(zhi)(zhi)工(gong)(gong)在(zai)職(zhi)(zhi)(zhi)(zhi)(zhi)期間必須不(bu)間斷地按(an)規定繳(jiao)(jiao)(jiao)(jiao)存(cun)(cun)，除職(zhi)(zhi)(zhi)(zhi)(zhi)工(gong)(gong)離退休或發(fa)生《住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)管(guan)(guan)理(li)條例(li)》規定的(de)(de)(de)其他情(qing)形外，不(bu)得中(zhong)止和中(zhong)斷。體現(xian)了(le)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)的(de)(de)(de)穩定性(xing)(xing)(xing)、統一性(xing)(xing)(xing)、規范性(xing)(xing)(xing)和強制(zhi)性(xing)(xing)(xing)。 　　（5）住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)是職(zhi)(zhi)(zhi)(zhi)(zhi)工(gong)(gong)按(an)規定存(cun)(cun)儲起(qi)來(lai)的(de)(de)(de)專(zhuan)項用(yong)于住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)消費(fei)支出的(de)(de)(de)個(ge)人住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)儲金(jin)(jin)，具有(you)(you)兩個(ge)特征：一是積(ji)(ji)累性(xing)(xing)(xing)，即住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)雖然(ran)是職(zhi)(zhi)(zhi)(zhi)(zhi)工(gong)(gong)工(gong)(gong)資(zi)的(de)(de)(de)組成部(bu)分(fen)，但不(bu)以現(xian)金(jin)(jin)形式(shi)發(fa)放，并且必須存(cun)(cun)入住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)管(guan)(guan)理(li)中(zhong)心在(zai)受委托銀(yin)行開設的(de)(de)(de)專(zhuan)戶(hu)內(nei)，實行專(zhuan)戶(hu)管(guan)(guan)理(li)。二(er)是專(zhuan)用(yong)性(xing)(xing)(xing)，住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)實行專(zhuan)款專(zhuan)用(yong)，存(cun)(cun)儲期間只(zhi)能(neng)按(an)規定用(yong)于購、建(jian)(jian)、大修自住(zhu)(zhu)(zhu)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)，或交納房(fang)(fang)(fang)(fang)租。職(zhi)(zhi)(zhi)(zhi)(zhi)工(gong)(gong)只(zhi)有(you)(you)在(zai)離退休、死(si)亡、完全喪(sang)失(shi)勞(lao)動能(neng)力并與單(dan)位終止勞(lao)動關系(xi)或戶(hu)口遷出原居住(zhu)(zhu)(zhu)城(cheng)(cheng)市時(shi)，才可提取本(ben)人帳(zhang)戶(hu)內(nei)的(de)(de)(de)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)(ji)金(jin)(jin)。