GBT51267-2017······1

1 總則······11

2 術(shù)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(zhǔn)······19

4.1 貸款審查······19

4.2 貸款批準(zhǔn)······21

5 貸款簽約與發(fā)放······22

5.1 貸款簽約······22

5.2 擔(dān)保落實(shí)······23

5.3 貸款發(fā)放······23

6 貸款回收······25

7 貸款變更······27

7.1 一般規(guī)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(dān)保變更······31

7.8 其他變更······32

8 貸款核算規(guī)則······33

8.1 貸款利率及計(jì)息規(guī)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(fēng)險(xiǎn)監(jiān)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(gè)人住房貸款業(yè)務(wù)單據(jù)表······41

本規(guī)范用詞說明······55

附: 條文說明······57

1 總則······59

2 術(shù)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(zhǔn)······96

4.1 貸款審查······96

5 貸款簽約與發(fā)放······97

5.1 貸款簽約······97

5.3 貸款發(fā)放······97

6 貸款回收······99

7 貸款變更······101

7.1 一般規(guī)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(guī)則······104

8.1 貸款利率及計(jì)息規(guī)則······104

8.3 貸款核算······105

9 貸后管理······106

9.1 貸后檢查與風(fēng)險(xiǎn)監(jiān)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