对于按时缴纳个人住房公积金的人来说,住房公积金是一笔可以灵活运用的财富。当您不需要买房时,这笔钱存在公积金账户里是不用缴利息税的,其收益要比存银行活期、零存整取一年期、整存整取一年期更合算。如果你在职时一直未动用公积金,到达退休年龄时,个人住房公积金账户上的公积金本息会一次性结清,由个人自由支配,成为一笔可观的养老金。当然,住房公积金最主要的价值是购买个人住宅。缴纳了住房公积金, For the timely payment of personal housing provident fund for people, housing provident fund is a wealth can be used flexibly. When you do not need to buy a house, the money in the provident fund account does not have to pay interest tax, and its income than the bank current, zero and one year period, the entire period of one year more cost-effective consolidation. If you have not used your provident fund while you are working, when you reach the retirement age, you will be able to settle the principal and interest of the provident fund in your individual housing provident fund account at one time. Of course, the most important value of housing provident fund is to buy personal housing. Paid housing provident fund,