問 我是一名(ming)技術員，現在(zai)正在(zai)濟南工(gong)作，想知道退休(xiu)了還有(you)公積金嗎？

答 （1）住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)只在(zai)城鎮(zhen)建立(li)，農(nong)村不(bu)(bu)(bu)建立(li)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)(zhi)度(du)(du)。 　　 （2）只有在(zai)職(zhi)(zhi)(zhi)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)才(cai)建立(li)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)(zhi)度(du)(du)。無工(gong)(gong)(gong)作的(de)城鎮(zhen)居民不(bu)(bu)(bu)實(shi)行(xing)(xing)(xing)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)(zhi)度(du)(du)，離(li)退休(xiu)(xiu)(xiu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)也不(bu)(bu)(bu)實(shi)行(xing)(xing)(xing)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)(zhi)度(du)(du)。 　　 （3）住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)由(you)兩部分(fen)組(zu)成(cheng)，一(yi)部分(fen)由(you)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)所在(zai)單(dan)(dan)位(wei)繳(jiao)(jiao)存(cun)(cun)(cun)，另一(yi)部分(fen)由(you)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)個(ge)(ge)人繳(jiao)(jiao)存(cun)(cun)(cun)，職(zhi)(zhi)(zhi)工(gong)(gong)(gong)個(ge)(ge)人繳(jiao)(jiao)存(cun)(cun)(cun)部分(fen)由(you)單(dan)(dan)位(wei)代扣后，連同單(dan)(dan)位(wei)繳(jiao)(jiao)存(cun)(cun)(cun)部分(fen)一(yi)并(bing)(bing)繳(jiao)(jiao)存(cun)(cun)(cun)到住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)個(ge)(ge)人帳戶(hu)(hu)內(nei)(nei)。 　　 （4）住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)繳(jiao)(jiao)存(cun)(cun)(cun)的(de)長(chang)期(qi)性(xing)。住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)(zhi)度(du)(du)一(yi)經建立(li)，職(zhi)(zhi)(zhi)工(gong)(gong)(gong)在(zai)職(zhi)(zhi)(zhi)期(qi)間(jian)必須不(bu)(bu)(bu)間(jian)斷(duan)地(di)按(an)規(gui)定繳(jiao)(jiao)存(cun)(cun)(cun)，除(chu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)離(li)退休(xiu)(xiu)(xiu)或發(fa)生《住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)管(guan)理條例》規(gui)定的(de)其他情形(xing)外，不(bu)(bu)(bu)得中止和(he)中斷(duan)。體現了住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)的(de)穩定性(xing)、統(tong)一(yi)性(xing)、規(gui)范性(xing)和(he)強制(zhi)(zhi)(zhi)性(xing)。 　　（5）住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)是職(zhi)(zhi)(zhi)工(gong)(gong)(gong)按(an)規(gui)定存(cun)(cun)(cun)儲(chu)(chu)起來的(de)專(zhuan)項用(yong)于住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)消(xiao)費支(zhi)出的(de)個(ge)(ge)人住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)儲(chu)(chu)金(jin)(jin)(jin)，具有兩個(ge)(ge)特(te)征：一(yi)是積(ji)(ji)(ji)(ji)(ji)(ji)(ji)累性(xing)，即住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)雖(sui)然是職(zhi)(zhi)(zhi)工(gong)(gong)(gong)工(gong)(gong)(gong)資的(de)組(zu)成(cheng)部分(fen)，但不(bu)(bu)(bu)以現金(jin)(jin)(jin)形(xing)式發(fa)放(fang)，并(bing)(bing)且(qie)必須存(cun)(cun)(cun)入住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)管(guan)理中心在(zai)受委托銀行(xing)(xing)(xing)開設的(de)專(zhuan)戶(hu)(hu)內(nei)(nei)，實(shi)行(xing)(xing)(xing)專(zhuan)戶(hu)(hu)管(guan)理。二是專(zhuan)用(yong)性(xing)，住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)實(shi)行(xing)(xing)(xing)專(zhuan)款專(zhuan)用(yong)，存(cun)(cun)(cun)儲(chu)(chu)期(qi)間(jian)只能按(an)規(gui)定用(yong)于購、建、大修自住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)，或交(jiao)納(na)房(fang)(fang)(fang)(fang)租。職(zhi)(zhi)(zhi)工(gong)(gong)(gong)只有在(zai)離(li)退休(xiu)(xiu)(xiu)、死亡、完全喪失勞(lao)動能力并(bing)(bing)與單(dan)(dan)位(wei)終止勞(lao)動關系或戶(hu)(hu)口遷(qian)出原居住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)城市時，才(cai)可提取本人帳戶(hu)(hu)內(nei)(nei)的(de)住(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積(ji)(ji)(ji)(ji)(ji)(ji)(ji)金(jin)(jin)(jin)。