GB/T51267-2017：住房公积金个人住房贷款业务规范

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