[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2020051516221614610":3,"related-JP2020051516221614610":31},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":11,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"updateBy":20,"createTime":17,"visitCount":21,"isLiked":19,"realSearch":22,"isRead":19,"productId":23,"isCollected":19,"collectCount":24,"vipExclusive":19,"allowComment":7,"style":25,"canCopy":19,"likeCount":19,"duration":19,"playStyle":7,"seoKeywords":26,"articleModuleVoList":27,"extendContentList":28,"noteCount":19,"categoryList":29,"dailyKeywordList":30},10,2327,"1",1,"JP2020051516221614610","1041018",3,"","住房公积金除了买房，还有哪些用途？","https:\u002F\u002Fimage.jane7.com\u002F9b7c7d37-dded-4f0e-8177-acefd1c04a88.png","https:\u002F\u002Fimage.jane7.com\u002F773777f4-1d81-4033-8815-6c2877c1af65.png","目前不打算买房，我的住房公积金是继续存着好，还是取出来更划算...","\u003Csection>\n \u003Csection>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: #393939;\">可能在很多朋友的印象里，公积金只有在买房的时候才会用上。但实际上，公积金的用途可不止如此。今天，简七的小编就来和你聊聊公积金。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 1.7; margin-bottom: 0pt; margin-top: 0pt; font-size: 11pt; color: #494949;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cstrong class=\"ql-author-12787031\" style=\"font-size: 16px; color: #000000;\">除了买房，\u003C\u002Fstrong>\u003Cstrong class=\"ql-author-12787031\" style=\"font-size: 16px; color: #000000;\">公积金还能怎么用？\u003C\u002Fstrong>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 150%; margin: 0pt 16px; font-size: 11pt; color: #494949;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"color: #393939; font-size: 16px;\">如果你有以下这些需求，也能申请提取公积金：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 150%; margin: 0pt 16px; font-size: 11pt; color: #494949;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">- 建造、翻建、大修住房\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">- 父母给儿女购房\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">- 销户提取全部余额\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">- 纳入低保或特困范围的提取使用\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 150%; margin: 0pt 16px; font-size: 11pt; color: #494949;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"color: #393939; font-size: 16px;\">这里呢，我重点介绍一个适合异地上班族的用法——租房。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 150%; margin: 0pt 16px; font-size: 11pt; color: #494949;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"color: #393939; font-size: 16px;\">很多人在外地工作，又没有在外地买房，就可以申请提取公积金进行租房。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 150%; margin: 0pt 16px; font-size: 11pt; color: #494949;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"color: #393939; font-size: 16px;\">现在申请越来越方便了，我们以上海为例，当你连续缴存三个月的公积金，并且在上海没有买房，那携带租赁合同、租赁费用等申请表，到当地的公积金管理中心办理提取即可。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 150%; margin: 0pt 16px; font-size: 11pt; color: #494949;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"color: #393939; font-size: 16px;\">这些表格在当地公积金网站上都能下载到，或者可以直接到公积金管理中心填写。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 150%; margin: 0pt 16px; font-size: 11pt; color: #494949;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"color: #393939; font-size: 16px;\">要特别提醒大家的是，各城市的具体规则略有差别，一定要和当地公积金中心确认最新规定。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: #494949;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"color: #393939; font-size: 16px;\">你可以登录当地公积金官网，或者咨询公积金管理中心电话（12329）进一步查询。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: #494949;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">不过，虽然公积金有不少用处，但具体是否要取出来，还是建议大家根据自己的情况，来进行考虑。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: #494949;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">我的建议是，如果你短期内有购房需求的话，是不建议取出来的。我们具体看个例子：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: #494949;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">假设我们银行贷款使用4.9%的基准利率。用两种方式分别贷款100万，贷款年限为30年，还款方式都为等额本息。采用公积金贷款每个月只需要还款4352元，而银行商业贷款每月还款金额为5307元，每个月还款1000元的差距，整个还款期下来利息差了34万呢。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\"> \u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; caret-color: red;\">      \u003C\u002Fspan>\u003Cimg width=\"492\" height=\"auto\" src=\"https:\u002F\u002Fimage.jane7.com\u002F53dede1c-3578-4d21-b8ac-e2780bc3421d.jpg\">\u003Cspan style=\"font-size: 16px; caret-color: red;\">      \u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">当然，如果你近几年内甚至更长时间都不打算买房，与其把公积金闲置，不如取出来用作其他的用于。比如你可以用来交房租，或者用来进行投资理财，获取更高的收益~\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp class=\"ql-long-12787031\" style=\"text-align:justify;line-height: 1.7; margin-bottom: 0pt; margin-top: 0pt; font-size: 11pt; color: #494949;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; padding: 0px; margin: 0pt 16px; outline: none; font-size: 11pt; white-space: normal; color: rgb(73, 73, 73); line-height: 2em; font-family: PingFangSC-Regular, "Microsoft Yahei";\">\u003Cspan style=\"padding: 0px; margin: 0px; outline: none; font-size: 16px;\">看更多科普和理财知识干货，\u003Cspan style=\"color: rgb(73, 73, 73); text-align: justify; font-family: PingFangSC-Regular, "Microsoft Yahei";\">推荐关注公众号“简七读财（jane7ducai）\u003C\u002Fspan>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","2020-05-15 16:22:16",100,0,"zhanglizi@jane7.com",75,false,6731,4,"1038002","公积金,房贷",[],[],[],[],[32,44,53,63],{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":35,"locationType":36,"sortNumber":37,"articleTitle":38,"introduction":39,"coverImage":40,"likeCount":19,"realSearch":22,"createTime":41,"seoUrl":42,"seoKeywords":43},99,"买房租房","JP2020060917154683397",2,20200609,"刚需买房需要注意什么？这3点很重要","有买房需求，尤其是此前没有买房经验的小伙伴，注意了~","https:\u002F\u002Fimage.jane7.com\u002F8049bef4-7ab2-4331-9c86-e3711ea497a9.png","2020-06-09 17:15:46","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020060917154683397-99.html","买房,买房常识,小房型",{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":45,"locationType":36,"sortNumber":46,"articleTitle":47,"introduction":48,"coverImage":49,"likeCount":19,"realSearch":22,"createTime":50,"seoUrl":51,"seoKeywords":52},"JP2020051115202330245",20200511,"单身女性，要不要买房？送你一张「买房首付行动清单」","“男方负责买房，女方负责买车”的时代已经逐渐过去了，现在大城市里的单身女性们，也都争相买房。","https:\u002F\u002Fimage.jane7.com\u002Fc41effe2-bb75-4be3-ab6a-98e23d5a4929.png","2020-05-11 15:20:23","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020051115202330245-99.html","买房,单身女性,单身,首付",{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":54,"locationType":36,"sortNumber":55,"articleTitle":56,"introduction":57,"coverImage":58,"likeCount":59,"realSearch":22,"createTime":60,"seoUrl":61,"seoKeywords":62},"JP2021112022075459886",20211124,"13个实用技巧，有房没房都用得上","谈谈租房的一些技巧~","https:\u002F\u002Fimage.jane7.com\u002Fb5c325ab-1c2c-4d05-a9e5-72fc56cc9174.png",15,"2021-11-20 22:07:54","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2021112022075459886-99.html","租房,财商",{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":64,"locationType":36,"sortNumber":65,"articleTitle":66,"introduction":67,"coverImage":68,"likeCount":19,"realSearch":22,"createTime":69,"seoUrl":70,"seoKeywords":71},"JP2020051318175214523",20200513,"个人房贷利率转换为LPR利率，具体怎么办理？","自今年3月1日起，我们可以将固定的房贷利率，转换为LPR浮动利率。那具体怎么办理呢？以下两种方式，供你参考","https:\u002F\u002Fimage.jane7.com\u002F55eaa595-2248-4293-bd5b-01ea7217d4b0.png","2020-05-13 18:17:52","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020051318175214523-99.html","LPR,房贷"]