北京公积金新政：无需跑腿，打个电话即可申贷

Core Viewpoint - The Beijing Housing Provident Fund Management Center has announced measures to enhance the efficiency of personal housing loan services, including the cancellation of restrictions on property assessment related to mortgage status and the introduction of a "telephone loan" service model [1][3]. Group 1: Service Improvements - As of April 2025, the center has provided on-site signing services for 14,534 families, with locations including residential communities, workplaces, and transportation hubs [2]. - The average loan disbursement time has been reduced to approximately 10 working days, significantly improving the efficiency of fund recovery for real estate developers and facilitating transactions in the second-hand housing market [2][5]. - The new notification allows simultaneous processing of mortgage release and loan application for second-hand housing, enhancing transaction efficiency [3]. Group 2: New Service Models - A new telephone loan model has been introduced, allowing borrowers to apply for loans via a dedicated hotline, streamlining the application process [3]. - The notification emphasizes a "one-stop" service for purchasing second-hand homes, guiding borrowers through necessary online procedures during the signing process [4]. Group 3: Expansion of Banking Partners - The number of authorized loan banks has increased to 11, enabling a wider range of services including online applications and home signing without the need for borrowers to travel [6]. - The list of participating banks includes major institutions such as Industrial and Commercial Bank of China, China Construction Bank, and Bank of China, among others [6][8].