公积金

• Pinyin: gōng jī jīn
• Desglose de hanzi: 公 = public; 积 = 禾 + 积 (accumulate); 金 = 金 (money, fund)

Significado

Fondo de vivienda (住房公积金).

Refers specifically to the 住房公积金 (Housing Provident Fund), a state-mandated programme. Contributions are tax-exempt and can be withdrawn for buying, building, or renting a home. Monthly contributions are a percentage of salary.

Ejemplos

1. 购买首套住房时，可申请使用公积金贷款。
2. 每月工资单上均会注明公积金的缴存金额。
3. 离职后未使用的公积金可按规定一次性提取。

Guía de uso

Contexto: finance, housing, employment

Tono: neutral

Correcto

• 单位为员工缴纳公积金是法定义务，不得拒绝。(It is a statutory obligation for employers to pay employees' provident fund contributions; refusal is not permitted.)
• 申请公积金贷款前，需确认账户余额是否达到申请条件。(Before applying for a provident fund loan, confirm whether the account balance meets the application criteria.)

Incorrecto

• 公积金 to refer to pension funds — use 养老金 or 社保 for retirement contributions

Origen e historia

公积 (public accumulation) + 金 (fund/money)

Contexto cultural

Época: Modern (post-1994)

Generación: Working adults

Contexto social: Urban middle class