目次
3.1单位缴存3.2灵活就业人员缴存 61-
4.1提取范围和条件 不予提取情形 ..234.2 4. 3 提取中请时间 ...24 ..254.4 提取额度4.5提取中请材料4.6提取业务办理程序 ..29
5住房公积金个人住房贷款 I.-
5.1贷款对象和条件 ...315.2贷款额度、期限和利率5.3 贷款担保5.4 贷前调查 ..365.5 贷款受理及初审 ..365.7 5.6 贷款复审 贷款审批 85.5.8 借款合同签订5. 9 担保落实 6....5.10 贷款发放 .405.11 贷款回收 40
5.12货款变更5.13贷后管理 5.14借款合同终止 466住房公积金咨询与服务 - 50 496.1业务咨询 .506.2服务要求7住房公积金风险控制 6.3信息保密 IS...8住房公积金档案管理 52 --548.1收集与整理8.2归档 ...558.3利用附录A住房公积金业务办理用表 本标准用词说明 --57引用标准名录 .-78 79附：条文说明. -.-80
Contents
3. 1 Unit deposit....3. 2 Deposit of flexible employment personnel
4. 1 Extraction range and conditions 234. 2 Non-withdrawal situation.... ..244.3 Withdrawal application time ..4.4 withdrawal amount .....4. 6 Extraction of business procedures 4. 5 Extracting application materials ..
5 Housing provident fund personal housing loan -- ..-31
5. 1 Loan object and conditions .......5. 2 Loan amount、 term and interest rate 5.3 5.4 Loan Guarantee ... Preloan survey...... .....33 ...365.5 Loan acceptance and preliminary examination 5.6 Loan Review. .......5. 7 Loan approval ......5.8 5. 9 Signing of loan contract. Guarantee implementation..... 6..5. 10 Loan issuance '5.11 Loan recovery'5. 12 Loan change..
5. 13 post loan management6Housing accumulation fund consulting and services -..- 5. 14Termination of the loan contract .-.506. 1 Business Consulting........6. 2 Service Requirements ..... ...507Housing accumulation fund risk control --. 6. 3 Infermation privacy..8 Housing accumulation fund archives management -. ....54 528. 1 Collection and sorting...8. 2 Archive.... 55Appendix AHousing provident fund business processing table -57 8. 3 Exploitation..... ...56Explanation of wording in this standard - ..... 78List of quoted standards.... .--79Addtional: Explanation of provisions- -80
1总则
1.0.1为进一步规范全区住房公积金缴存、提取、贷款业务，保障住房公积金安全运作，提高服务质量，维护住房公积金缴存人 合法权益，结合广西实际，制定本标准.
1.0.2本标准适用干住房公积金的缴存、提取、贷款、咨询与服务、风险控制、档案管理.
1.0.3住房公积金管理委员会、住房公积金管理中心、受委托银 行、单位应严格履行各自在住房公积金决策、管理和业务方面的职责.住房公积金业务应符合住房公积金管理委员会决策、住房公积金管理中心运作、银行专户存储、财政监督的原则.
1.0.4住房公积金管理中心应充分利用数字化技术手段提升业务管理和服务效能，综合运用线上线下服务渠道，为单位和缴存 人办理住房公积金业务提供高效便捷的服务.可通过政府部门间信息共享渠道获取的信总，由住房公积金管理中心通过共享渠道
查询验证.
1.0.5住房公积金缴存、提取、贷款业务除应符合本标准外，尚应符合国家、行业和广西现行有关标准的规定.
