GBT51267-2017······1

1 總則······11

2 術語······12

3 貸款咨詢與受理······14

3.1 貸款咨詢······14

3.2 貸款受理······14

4 貸款審查與批準······19

4.1 貸款審查······19

4.2 貸款批準······21

5 貸款簽約與發放······22

5.1 貸款簽約······22

5.2 擔保落實······23

5.3 貸款發放······23

6 貸款回收······25

7 貸款變更······27

7.1 一般規定······27

7.2 提前還款······28

7.3 還款賬戶變更······28

7.4 還款方式變更······28

7.5 貸款期限變更······29

7.6 借款人(抵押人)變更······30

7.7 擔保變更······31

7.8 其他變更······32

8 貸款核算規則······33

8.1 貸款利率及計息規則······33

8.2 還款方式······34

8.3 貸款核算······34

9 貸后管理······39

9.1 貸后檢查語風險監測······39

9.2 貸款催收管理······39

9.3 貸款核銷······40

9.4 檔案管理······40

附錄A 住房公積金個人住房貸款業務單據表······41

本規范用詞說明······55

附: 條文說明······57

1 總則······59

2 術語······61

3 貸款咨詢與受理······92

3.1 貸款咨詢······92

3.2 貸款受理······92

4 貸款審查與批準······96

4.1 貸款審查······96

5 貸款簽約與發放······97

5.1 貸款簽約······97

5.3 貸款發放······97

6 貸款回收······99

7 貸款變更······101

7.1 一般規定······101

7.2 提前還款······101

7.5 貸款期限變更······101

7.6 借款人( 抵押人)變更······102

8 貸款核算規則······104

8.1 貸款利率及計息規則······104

8.3 貸款核算······105

9 貸后管理······106

9.1 貸后檢查與風險監測······106

9.2 貸款催收管理······106

9.3 貸款核銷······106

9.4 檔案管理······106