問 我是一(yi)名技術員，現在正(zheng)在濟南工作(zuo)，想(xiang)知(zhi)道退(tui)休了(le)還有公(gong)積金(jin)嗎？

答 （1）住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)只在(zai)(zai)城鎮建(jian)立，農村不(bu)建(jian)立住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)制(zhi)(zhi)度(du)。 　　 （2）只有在(zai)(zai)職(zhi)(zhi)職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)才建(jian)立住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)制(zhi)(zhi)度(du)。無工(gong)(gong)(gong)(gong)(gong)作的(de)(de)(de)城鎮居民(min)不(bu)實(shi)行(xing)(xing)住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)制(zhi)(zhi)度(du)，離(li)退休(xiu)職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)也不(bu)實(shi)行(xing)(xing)住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)制(zhi)(zhi)度(du)。 　　 （3）住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)由兩(liang)部分(fen)(fen)(fen)組成，一(yi)部分(fen)(fen)(fen)由職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)所(suo)在(zai)(zai)單(dan)位繳存(cun)，另一(yi)部分(fen)(fen)(fen)由職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)個(ge)人(ren)繳存(cun)，職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)個(ge)人(ren)繳存(cun)部分(fen)(fen)(fen)由單(dan)位代扣后，連同單(dan)位繳存(cun)部分(fen)(fen)(fen)一(yi)并繳存(cun)到(dao)住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)個(ge)人(ren)帳戶(hu)內(nei)。 　　 （4）住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)繳存(cun)的(de)(de)(de)長(chang)期性(xing)(xing)(xing)。住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)制(zhi)(zhi)度(du)一(yi)經(jing)建(jian)立，職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)在(zai)(zai)職(zhi)(zhi)期間必須不(bu)間斷(duan)地按規(gui)定繳存(cun)，除職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)離(li)退休(xiu)或發生(sheng)《住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)管(guan)理(li)條(tiao)例》規(gui)定的(de)(de)(de)其他(ta)情形(xing)外，不(bu)得中止和中斷(duan)。體現了住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)的(de)(de)(de)穩(wen)定性(xing)(xing)(xing)、統一(yi)性(xing)(xing)(xing)、規(gui)范性(xing)(xing)(xing)和強制(zhi)(zhi)性(xing)(xing)(xing)。 　　（5）住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)是(shi)職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)按規(gui)定存(cun)儲(chu)起來的(de)(de)(de)專項用(yong)(yong)于住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)消費支出的(de)(de)(de)個(ge)人(ren)住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)儲(chu)金(jin)(jin)(jin)(jin)，具有兩(liang)個(ge)特征：一(yi)是(shi)積(ji)累性(xing)(xing)(xing)，即住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)雖然是(shi)職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)工(gong)(gong)(gong)(gong)(gong)資的(de)(de)(de)組成部分(fen)(fen)(fen)，但不(bu)以(yi)現金(jin)(jin)(jin)(jin)形(xing)式(shi)發放，并且(qie)必須存(cun)入住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)管(guan)理(li)中心在(zai)(zai)受委托銀(yin)行(xing)(xing)開設的(de)(de)(de)專戶(hu)內(nei)，實(shi)行(xing)(xing)專戶(hu)管(guan)理(li)。二是(shi)專用(yong)(yong)性(xing)(xing)(xing)，住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)實(shi)行(xing)(xing)專款專用(yong)(yong)，存(cun)儲(chu)期間只能按規(gui)定用(yong)(yong)于購、建(jian)、大修自(zi)住(zhu)(zhu)(zhu)(zhu)住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)，或交納房(fang)(fang)(fang)(fang)(fang)(fang)(fang)租。職(zhi)(zhi)工(gong)(gong)(gong)(gong)(gong)只有在(zai)(zai)離(li)退休(xiu)、死亡、完全喪失(shi)勞動(dong)(dong)能力并與(yu)單(dan)位終止勞動(dong)(dong)關系或戶(hu)口遷(qian)出原居住(zhu)(zhu)(zhu)(zhu)城市時，才可(ke)提取本人(ren)帳戶(hu)內(nei)的(de)(de)(de)住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)(gong)積(ji)金(jin)(jin)(jin)(jin)。