住房公积金期房贷款是国家政策性住房金融体系中的重要内容,由于其贷款利率较低的优势成了广大城镇职工期房贷款中的首选。而在信贷品种日益攀升、贷款规模逐渐扩大的背景下,贷款风险问题也不断增多,尤其住房公积金期房贷款中作为抵押的在建建筑具有很多风险因素,而很多因素都会导致已经发放的贷款难以或者根本无法收回,这就给贷款管理工作增加了很大难度。在这种情况下,住房公积金管理部门应借助切实可行的管理措施,有效化解与防范各种贷款风险,以推动住房公积金期房贷款的健康发展,从而为广大城镇职工优化居住环境提供金融信贷帮助。本文就住房公积金期房贷款风险防范措施,进行了详细的探究。 Housing provident fund 期房 loan is the national policy of housing finance system is an important part of the loan interest rates because of its lower advantage of the vast number of urban workers in the first choice for 期房 loan. However, under the background of the gradual increase of credit varieties and the gradual expansion of loan scale, the loan risk problems have also been on the increase. In particular, many mortgage-backed residential buildings have many risk factors and many factors can make it difficult to obtain loans that have already been issued or Simply can not recover, which adds a lot of difficulty to the loan management. In this case, housing provident fund management departments should take practical management measures to effectively resolve and prevent various types of loan risks in order to promote the healthy development of housing provident fund 期房 loans for the majority of urban workers to optimize the living environment to provide financial and credit support. This article on the housing provident fund loan risk prevention measures, conducted a detailed exploration.