公积金

• 拼音: gōng jī jīn
• 汉字拆解: 公 = public; 积 = 禾 + 积 (accumulate); 金 = 金 (money, fund)

含义

Provident fund; housing fund. A mandatory savings scheme in China where employers and employees jointly contribute funds, primarily used for housing purchases or rentals.

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 Contributions are tax-exempt and can be withdrawn for buying, building, or renting a home.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.

例句

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。

用法指南

语境: finance, housing, employment

语气: neutral

正确说法

• 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.)

错误说法

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

起源与历史

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

文化背景

时代: Modern (post-1994)

世代: Working adults

社会背景: Urban middle class