L091预付门槛命中=restructurePrepaySwitch='Y' ∧ prepayRequired='Y' ∧ prepayStatus≠'PAID'(PENDING/VERIFYING 均拦)→ 不进正式重组页,先进 PrepayIntro 引导→预付还款;开关关或预付状态接口缺失=不设门槛直接放行;输入改自 AMS 预付状态接口(revision #4),不再来自 negotiaterestructure-prepay-gate