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Core Viewpoint - Beijing Housing Provident Fund Management Center has upgraded its personal housing loan services to enhance efficiency and convenience for borrowers, introducing new service models and expanding the number of banks involved in the loan process [1][5][6] Group 1: Service Enhancements - The new "telephone loan, service direct" model allows borrowers to apply for loans by calling the hotline, enabling banks to guide them through the online application process [5][8] - The requirement for collateral assessment regarding the mortgage status of properties has been removed, allowing for simultaneous mortgage release and loan application, thus improving transaction efficiency [6][8] Group 2: Process Optimization - The average loan disbursement time has been reduced to 10 working days through streamlined procedures and the introduction of a "zero materials" application for second-hand housing loans [5][6] - The number of banks authorized to handle loan services has increased from 5 to 11, enhancing the capacity for quality service delivery [6][7] Group 3: Market Impact - The new policies are expected to stimulate the second-hand housing market by removing barriers to transactions and improving loan accessibility, particularly benefiting busy or mobility-impaired borrowers [8]