GBT51267-2017······1
1 总则······11
2 术语······12
3 贷款咨询与受理······14
3.1 贷款咨询······14
3.2 贷款受理······14
4 贷款审查与批准······19
4.1 贷款审查······19
4.2 贷款批准······21
5 贷款签约与发放······22
5.1 贷款签约······22
5.2 担保落实······23
5.3 贷款发放······23
6 贷款回收······25
7 贷款变更······27
7.1 一般规定······27
7.2 提前还款······28
7.3 还款账户变更······28
7.4 还款方式变更······28
7.5 贷款期限变更······29
7.6 借款人(抵押人)变更······30
7.7 担保变更······31
7.8 其他变更······32
8 贷款核算规则······33
8.1 贷款利率及计息规则······33
8.2 还款方式······34
8.3 贷款核算······34
9 贷后管理······39
9.1 贷后检查语风险监测······39
9.2 贷款催收管理······39
9.3 贷款核销······40
9.4 档案管理······40
附录A 住房公积金个人住房贷款业务单据表······41
本规范用词说明······55
附: 条文说明······57
1 总则······59
2 术语······61
3 贷款咨询与受理······92
3.1 贷款咨询······92
3.2 贷款受理······92
4 贷款审查与批准······96
4.1 贷款审查······96
5 贷款签约与发放······97
5.1 贷款签约······97
5.3 贷款发放······97
6 贷款回收······99
7 贷款变更······101
7.1 一般规定······101
7.2 提前还款······101
7.5 贷款期限变更······101
7.6 借款人( 抵押人)变更······102
8 贷款核算规则······104
8.1 贷款利率及计息规则······104
8.3 贷款核算······105
9 贷后管理······106
9.1 贷后检查与风险监测······106
9.2 贷款催收管理······106
9.3 贷款核销······106
9.4 档案管理······106
