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问题	公积金的作用是什么
释义	法律分析：公积金的作用是保障公民能够承担买房的负担，实现住有所居。公积金是缴存在职工住房公积金账户中，在购买、建造、翻建、大修房屋时可以用来向银行申请买房贷款的前提。法律依据：《住房公积金管理条例》第二十七条申请人申请住房公积金贷款的，应当提供担保。
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