問 我是一名技術員，現在正在濟南工作，想(xiang)知道(dao)退休了還有公積金嗎？

答 （1）住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金只(zhi)(zhi)(zhi)在(zai)城(cheng)鎮(zhen)建(jian)(jian)(jian)立(li)，農(nong)村不建(jian)(jian)(jian)立(li)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金制(zhi)度(du)。 　　 （2）只(zhi)(zhi)(zhi)有在(zai)職(zhi)職(zhi)工(gong)才建(jian)(jian)(jian)立(li)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金制(zhi)度(du)。無(wu)工(gong)作的(de)城(cheng)鎮(zhen)居民(min)不實行(xing)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金制(zhi)度(du)，離退(tui)休(xiu)職(zhi)工(gong)也(ye)不實行(xing)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金制(zhi)度(du)。 　　 （3）住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金由兩部(bu)分(fen)(fen)組(zu)成，一(yi)(yi)(yi)部(bu)分(fen)(fen)由職(zhi)工(gong)所在(zai)單(dan)位(wei)繳(jiao)存(cun)(cun)(cun)(cun)(cun)，另一(yi)(yi)(yi)部(bu)分(fen)(fen)由職(zhi)工(gong)個(ge)人(ren)(ren)(ren)繳(jiao)存(cun)(cun)(cun)(cun)(cun)，職(zhi)工(gong)個(ge)人(ren)(ren)(ren)繳(jiao)存(cun)(cun)(cun)(cun)(cun)部(bu)分(fen)(fen)由單(dan)位(wei)代扣后，連同(tong)單(dan)位(wei)繳(jiao)存(cun)(cun)(cun)(cun)(cun)部(bu)分(fen)(fen)一(yi)(yi)(yi)并(bing)繳(jiao)存(cun)(cun)(cun)(cun)(cun)到住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金個(ge)人(ren)(ren)(ren)帳戶(hu)(hu)內。 　　 （4）住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金繳(jiao)存(cun)(cun)(cun)(cun)(cun)的(de)長期性(xing)。住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金制(zhi)度(du)一(yi)(yi)(yi)經建(jian)(jian)(jian)立(li)，職(zhi)工(gong)在(zai)職(zhi)期間必須(xu)不間斷地按規定(ding)(ding)繳(jiao)存(cun)(cun)(cun)(cun)(cun)，除職(zhi)工(gong)離退(tui)休(xiu)或發(fa)生《住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金管理(li)條例(li)》規定(ding)(ding)的(de)其(qi)他情形外(wai)，不得中(zhong)止和中(zhong)斷。體(ti)現了住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金的(de)穩(wen)定(ding)(ding)性(xing)、統一(yi)(yi)(yi)性(xing)、規范性(xing)和強制(zhi)性(xing)。 　　（5）住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金是(shi)(shi)職(zhi)工(gong)按規定(ding)(ding)存(cun)(cun)(cun)(cun)(cun)儲(chu)起來的(de)專(zhuan)(zhuan)項用于(yu)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)消費支(zhi)出的(de)個(ge)人(ren)(ren)(ren)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)儲(chu)金，具有兩個(ge)特征：一(yi)(yi)(yi)是(shi)(shi)積(ji)(ji)(ji)(ji)累性(xing)，即住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金雖然(ran)是(shi)(shi)職(zhi)工(gong)工(gong)資的(de)組(zu)成部(bu)分(fen)(fen)，但不以現金形式發(fa)放(fang)，并(bing)且必須(xu)存(cun)(cun)(cun)(cun)(cun)入住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金管理(li)中(zhong)心(xin)在(zai)受委托銀行(xing)開(kai)設的(de)專(zhuan)(zhuan)戶(hu)(hu)內，實行(xing)專(zhuan)(zhuan)戶(hu)(hu)管理(li)。二是(shi)(shi)專(zhuan)(zhuan)用性(xing)，住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金實行(xing)專(zhuan)(zhuan)款專(zhuan)(zhuan)用，存(cun)(cun)(cun)(cun)(cun)儲(chu)期間只(zhi)(zhi)(zhi)能按規定(ding)(ding)用于(yu)購、建(jian)(jian)(jian)、大修(xiu)自住(zhu)(zhu)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)，或交(jiao)納房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)租(zu)。職(zhi)工(gong)只(zhi)(zhi)(zhi)有在(zai)離退(tui)休(xiu)、死亡(wang)、完全喪失勞動能力并(bing)與單(dan)位(wei)終止勞動關系或戶(hu)(hu)口遷出原居住(zhu)(zhu)城(cheng)市時，才可(ke)提取本(ben)人(ren)(ren)(ren)帳戶(hu)(hu)內的(de)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)公(gong)(gong)積(ji)(ji)(ji)(ji)金。