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cn-housing-fund-withdrawal

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当被问到公积金怎么提取、租房能提公积金吗、离职后公积金怎么办、公积金贷款能贷多少、异地提取公积金时使用。产出本人符合条件的提取途径（购房、还贷、租房、离职或离开城市、退休、重大疾病等）、每种途径的材料和办理渠道、现在提取与留作公积金贷款的比较，以及需要向当地核实的额度。

skills-i18n/zh/cn-housing-fund-withdrawal/SKILL.md

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> [cn-housing-fund-withdrawal](../../../skills/cn-housing-fund-withdrawal/SKILL.md) 的简体中文翻译，英文版本为规范版本。

# 公积金提取

住房公积金是个人和单位每月共同缴存的钱，很多人多年不动，因为提取规则因地而异、让人困惑。更重要的决定往往不是怎么提，而是要不要留着余额，将来申请利率更低的公积金贷款。这个技能找出本人符合条件的提取途径、列出各自需要什么，并把这个取舍讲清楚。

用简体中文写。规则、额度和渠道由各地住房公积金管理中心制定并会调整；办理前请通过当地中心、其 App 或"全国住房公积金"小程序核实。

## 所需输入

如未提供，请询问：
- **公积金缴存城市**，以及现在居住的城市
- **情况**：租房、购房、还贷、换工作、离开城市、退休、患病或困难
- **余额**和每月缴存额（如已知）
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