問 我是一名技術員，現在正在濟南工(gong)作，想知道(dao)退休了還(huan)有公(gong)積金嗎(ma)？

答 （1）住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)只(zhi)(zhi)(zhi)在城(cheng)鎮建(jian)(jian)立(li)，農村不(bu)(bu)(bu)(bu)建(jian)(jian)立(li)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)度。 　　 （2）只(zhi)(zhi)(zhi)有(you)在職(zhi)(zhi)(zhi)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)才建(jian)(jian)立(li)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)度。無工(gong)(gong)(gong)作的(de)城(cheng)鎮居民(min)不(bu)(bu)(bu)(bu)實(shi)行(xing)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)度，離(li)退休(xiu)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)也不(bu)(bu)(bu)(bu)實(shi)行(xing)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)度。 　　 （3）住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)由兩部(bu)分(fen)組(zu)成，一(yi)(yi)部(bu)分(fen)由職(zhi)(zhi)(zhi)工(gong)(gong)(gong)所在單(dan)位(wei)繳(jiao)(jiao)存(cun)，另一(yi)(yi)部(bu)分(fen)由職(zhi)(zhi)(zhi)工(gong)(gong)(gong)個人繳(jiao)(jiao)存(cun)，職(zhi)(zhi)(zhi)工(gong)(gong)(gong)個人繳(jiao)(jiao)存(cun)部(bu)分(fen)由單(dan)位(wei)代扣后，連同單(dan)位(wei)繳(jiao)(jiao)存(cun)部(bu)分(fen)一(yi)(yi)并繳(jiao)(jiao)存(cun)到住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)個人帳戶(hu)(hu)內(nei)。 　　 （4）住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)繳(jiao)(jiao)存(cun)的(de)長期性(xing)。住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)制(zhi)(zhi)度一(yi)(yi)經建(jian)(jian)立(li)，職(zhi)(zhi)(zhi)工(gong)(gong)(gong)在職(zhi)(zhi)(zhi)期間(jian)(jian)必(bi)須不(bu)(bu)(bu)(bu)間(jian)(jian)斷地按規定繳(jiao)(jiao)存(cun)，除職(zhi)(zhi)(zhi)工(gong)(gong)(gong)離(li)退休(xiu)或(huo)發(fa)生《住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)管(guan)理條(tiao)例》規定的(de)其他(ta)情形(xing)外，不(bu)(bu)(bu)(bu)得中(zhong)止和中(zhong)斷。體現(xian)了住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)的(de)穩定性(xing)、統一(yi)(yi)性(xing)、規范性(xing)和強制(zhi)(zhi)性(xing)。 　　（5）住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)是(shi)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)按規定存(cun)儲起來的(de)專項用于(yu)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)消費支出的(de)個人住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)儲金(jin)(jin)(jin)，具有(you)兩個特征：一(yi)(yi)是(shi)積(ji)(ji)(ji)累(lei)性(xing)，即(ji)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)雖然是(shi)職(zhi)(zhi)(zhi)工(gong)(gong)(gong)工(gong)(gong)(gong)資的(de)組(zu)成部(bu)分(fen)，但不(bu)(bu)(bu)(bu)以現(xian)金(jin)(jin)(jin)形(xing)式發(fa)放，并且必(bi)須存(cun)入住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)管(guan)理中(zhong)心在受委托銀行(xing)開設的(de)專戶(hu)(hu)內(nei)，實(shi)行(xing)專戶(hu)(hu)管(guan)理。二是(shi)專用性(xing)，住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)實(shi)行(xing)專款專用，存(cun)儲期間(jian)(jian)只(zhi)(zhi)(zhi)能(neng)按規定用于(yu)購、建(jian)(jian)、大修自(zi)住(zhu)(zhu)(zhu)(zhu)(zhu)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)，或(huo)交納房(fang)(fang)(fang)租。職(zhi)(zhi)(zhi)工(gong)(gong)(gong)只(zhi)(zhi)(zhi)有(you)在離(li)退休(xiu)、死亡、完全喪(sang)失(shi)勞動(dong)能(neng)力并與單(dan)位(wei)終止勞動(dong)關系或(huo)戶(hu)(hu)口遷出原居住(zhu)(zhu)(zhu)(zhu)(zhu)城(cheng)市時，才可提取本人帳戶(hu)(hu)內(nei)的(de)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)公(gong)(gong)(gong)(gong)積(ji)(ji)(ji)金(jin)(jin)(jin)。