住房公积金热点问题答疑
<p style="text-align: center; margin-bottom: 0em; visibility: visible;"></p><div style="text-align:center"></div><section data-role="outer" label="edit by 135editor" style="visibility: visible;"><section data-tools="135编辑器" data-id="106599" style="visibility: visible;"><section style="text-align: center; margin: 10px auto; visibility: visible;"><section style="border-width: 1px; border-style: solid; border-color: rgb(103, 184, 232); padding: 4px; border-radius: 10px; box-sizing: border-box; visibility: visible;"><section style="background-color: rgb(245, 250, 255); padding: 30px 25px; border-radius: 10px; box-sizing: border-box; visibility: visible;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; visibility: visible;"><section style="box-sizing: border-box; width: 35px; height: 35px; background-color: rgb(26, 156, 240); border-radius: 50%; flex-shrink: 0; visibility: visible;"><section data-brushtype="text" style="font-size: 22px; letter-spacing: 1.5px; color: rgb(255, 255, 255); line-height: 35px; visibility: visible;"><span style="font-size: 16px; visibility: visible;"><strong style="visibility: visible;">Q</strong></span></section></section><section style="display: inline-block; margin-top: 2px; margin-left: 10px; visibility: visible;"><section style="background-color: rgb(255, 155, 11); padding: 5px 25px; border-radius: 20px; box-sizing: border-box; visibility: visible;"><section data-brushtype="text" style="font-size: 14px; letter-spacing: 1.5px; color: rgb(255, 255, 255); visibility: visible;"><span style="font-size: 16px; visibility: visible;">什么是住房公积金?</span></section></section><section style="box-sizing: border-box; width: 0px; height: 1px; border-top: 14px solid rgb(255, 155, 11); border-right: 8px solid transparent; margin-top: -4px; margin-left: 20px; overflow: hidden; transform: rotate(30deg); visibility: visible;"><br style="visibility: visible;"></section></section></section><section data-autoskip="1" style="margin-top: 20px; text-align: justify; line-height: 1.95em; letter-spacing: 1.5px; font-size: 14px; background: transparent; visibility: visible;"><p style="vertical-align: inherit; visibility: visible;"><span style="font-size: 16px; visibility: visible;"><span style="color: rgb(255, 155, 11); visibility: visible;"><strong style="visibility: visible;">A: </strong></span>住房公积金是国家强制推行的、单位和职工缴存的具有保障性和互助性的长期住房储金，是住房实物分配向货币化分配转化的主要形式。建立住房公积金制度的目的，是通过国家、单位、职工三方共同筹集资金，形成稳定、可持续的资金来源，主要以发放低息个人住房贷款、提取使用个人账户余额的方式，帮助缴存职工解决基本居住问题。</span></p></section></section></section></section></section><section data-tools="135编辑器" data-id="106599" style="visibility: visible;"><section style="text-align: center; margin: 10px auto; visibility: visible;"><section style="border-width: 1px; border-style: solid; border-color: rgb(103, 184, 232); padding: 4px; border-radius: 10px; box-sizing: border-box; visibility: visible;"><section style="background-color: rgb(245, 250, 255); padding: 30px 25px; border-radius: 10px; box-sizing: border-box; visibility: visible;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; visibility: visible;"><section style="box-sizing: border-box; width: 35px; height: 35px; background-color: rgb(26, 156, 240); border-radius: 50%; flex-shrink: 0; visibility: visible;"><section data-brushtype="text" style="font-size: 22px; letter-spacing: 1.5px; color: rgb(255, 255, 255); line-height: 35px; visibility: visible;"><span style="font-size: 16px; visibility: visible;"><strong style="visibility: visible;">Q</strong></span></section></section><section style="display: inline-block; margin-top: 2px; margin-left: 10px; visibility: visible;"><section style="background-color: rgb(255, 155, 11); padding: 5px 25px; border-radius: 20px; box-sizing: border-box; visibility: visible;"><section data-brushtype="text" style="font-size: 14px; letter-spacing: 1.5px; color: rgb(255, 255, 255); visibility: visible;"><span style="font-size: 16px; visibility: visible;">哪些对象应当依法缴存住房公积金?</span></section></section><section style="box-sizing: border-box; width: 0px; height: 1px; border-top: 14px solid rgb(255, 155, 11); border-right: 8px solid transparent; margin-top: -4px; margin-left: 20px; overflow: hidden; transform: rotate(30deg); visibility: visible;"><br style="visibility: visible;"></section></section></section><section data-autoskip="1" style="margin-top: 20px; text-align: justify; line-height: 1.95em; letter-spacing: 1.5px; font-size: 14px; background: transparent; visibility: visible;"><p style="vertical-align: inherit; visibility: visible;"><span style="font-size: 16px; visibility: visible;"><span style="color: rgb(255, 155, 11); visibility: visible;"><strong style="visibility: visible;">A:</strong></span><span style="background-color: transparent; caret-color: red; visibility: visible;">国家机关、国有企业、城镇集体企业、外商投资企业、城镇私营企业及其他城镇企业、事业单位、民办非企业单位、社会团体（以下统称单位）及其在职职工都应按时、足额缴存住房公积金。单位临聘人员也属建缴公积金的范畴。</span></span></p></section></section></section></section></section><section data-tools="135编辑器" data-id="106599"><section style="text-align: center;margin: 10px auto;"><section style="border-width: 1px;border-style: solid;border-color: rgb(103, 184, 232);padding: 4px;border-radius: 10px;box-sizing: border-box;"><section style="background-color: rgb(245, 250, 255);padding: 30px 25px;border-radius: 10px;box-sizing: border-box;"><section style="display: flex;justify-content: flex-start;align-items: flex-start;"><section style="box-sizing:border-box;width: 35px;height: 35px;background-color: #1a9cf0;border-radius: 50%;flex-shrink: 0;"><section data-brushtype="text" style="font-size: 22px;letter-spacing: 1.5px;color: #fff;line-height: 35px;"><span style="font-size: 16px;"><strong>Q</strong></span></section></section><section style="display: inline-block;margin-top: 2px;margin-left: 10px;"><section style="background-color: rgb(255, 155, 11);padding: 5px 25px;border-radius: 20px;box-sizing: border-box;"><section data-brushtype="text" style="font-size: 14px;letter-spacing: 1.5px;color: #fff;"><span style="font-size: 16px;">缴存住房公积金对职工有哪些好处？</span></section></section><section style="box-sizing: border-box;width: 0px;height: 1px;border-top: 14px solid rgb(255, 155, 11);border-right: 8px solid transparent;margin-top: -4px;margin-left: 20px;overflow: hidden;transform: rotate(30deg);"><br></section></section></section><section data-autoskip="1" style="margin-top: 20px;text-align: justify;line-height: 1.95em;letter-spacing: 1.5px;font-size: 14px;background: transparent;"><p style="vertical-align:inherit;"><span style="font-size: 16px;"><span style="color: rgb(255, 155, 11);"><strong>A: </strong></span>一是单位与个人缴存的住房公积金均属个人所有；二是缴存了住房公积金后可申请住房公积金低息贷款；三是缴存的住房公积金免缴个人所得税；四是住房公积金利息免征利息税。</span></p></section></section></section></section></section><section data-tools="135编辑器" data-id="106599"><section style="text-align: center;margin: 10px auto;"><section style="border-width: 1px;border-style: solid;border-color: rgb(103, 184, 232);padding: 4px;border-radius: 10px;box-sizing: border-box;"><section style="background-color: rgb(245, 250, 255);padding: 30px 25px;border-radius: 10px;box-sizing: border-box;"><section style="display: flex;justify-content: flex-start;align-items: flex-start;"><section style="box-sizing:border-box;width: 35px;height: 35px;background-color: #1a9cf0;border-radius: 50%;flex-shrink: 0;"><section data-brushtype="text" style="font-size: 22px;letter-spacing: 1.5px;color: #fff;line-height: 35px;"><span style="font-size: 16px;"><strong>Q</strong></span></section></section><section style="display: inline-block;margin-top: 2px;margin-left: 10px;"><section style="background-color: rgb(255, 155, 11);padding: 5px 25px;border-radius: 20px;box-sizing: border-box;"><section data-brushtype="text" style="font-size: 14px;letter-spacing: 1.5px;color: #fff;"><span style="font-size: 16px;">违规提取使用住房公积金有哪些违法后果？</span></section></section><section style="box-sizing: border-box;width: 0px;height: 1px;border-top: 14px solid rgb(255, 155, 11);border-right: 8px solid transparent;margin-top: -4px;margin-left: 20px;overflow: hidden;transform: rotate(30deg);"><br></section></section></section><section data-autoskip="1" style="margin-top: 20px;text-align: justify;line-height: 1.95em;letter-spacing: 1.5px;font-size: 14px;background: transparent;"><p style="vertical-align:inherit;"><span style="font-size: 16px;"><span style="color: rgb(255, 155, 11);"><strong>A:</strong></span><span style="background-color: transparent;caret-color: red;">住房公积金在制度设计上，是把有限的个人资金汇集起来，通过对该项资金统一管理和运作，为解决缴存职工基本居住问题提供稳定、可持续的资金来源，住房公积金具有强制性、专用性、互助性、保障性的特点，虽然单位和职工缴存的住房公积金均属职工个人所有，但职工提取使用时应当符合《住房公积金管理条例》及我市相关规定。违规提取使用住房公积金将承担以下违法后果：</span></span></p><p style="vertical-align:inherit;"><br></p><p style="vertical-align:inherit;"><span style="font-size: 16px;">（1）缴存职工使用虚假证明材料或其他欺诈手段申请提取住房公积金，一经发现，住房公积金管理中心将依法责令其限期退回违规提取的住房公积金，将职工不良行为记入住房公积金失信黑名单，纳入个人信用征信系统，依法向社会公开，同时将有关情况通报职工所在单位，由单位作出相应处理，并取消其一定期限内内办理住房公积金提取及贷款资格。对违规提取住房公积金行为涉嫌犯罪的，移送司法机关依法处理。</span></p><p style="vertical-align:inherit;"><br></p><p style="vertical-align:inherit;"><span style="font-size: 16px;">（2）伪造证件、合同、票据和私刻公章，均属违法行为。通过制作虚假证明材料或采取其他欺诈手段帮助缴存职工申请提取住房公积金的中介机构或个人涉嫌违法犯罪的，一经发现，住房公积金管理中心将移送司法机关依法处理。</span></p></section></section></section></section></section><section data-role="paragraph"><p style="text-align: left; vertical-align: inherit;"><font size="1" color="#696969">来源：市住房公积金城口分中心</font></p></section></section><br>
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