北京公积金贷款服务再升级 可电话申请、放款提速至10个工作日

Core Viewpoint - The Beijing Housing Provident Fund Management Center has announced a new policy to enhance the efficiency and convenience of personal housing loans, introducing a "telephone loan" model and streamlining processes to ensure an average loan disbursement time of 10 working days [1][2][4]. Group 1: Service Upgrades - The new policy includes the introduction of a "telephone loan" service, allowing borrowers to apply for provident fund loans by calling a dedicated hotline, which will facilitate the application process without the need for in-person visits [2][3]. - The number of banks authorized to provide these enhanced services has increased from 5 to 11, ensuring a broader range of options for borrowers [3]. - The policy aims to integrate the handling of various processes related to second-hand home loans, significantly improving efficiency by providing guidance on necessary materials and procedures during the loan application process [2][4]. Group 2: Loan Disbursement Efficiency - The new policy eliminates the previous restrictions on property evaluations related to existing mortgages, allowing for quicker assessments and approvals [4][6]. - The average time for loan disbursement has been reduced to approximately 10 working days, with some cases achieving disbursement in as little as 3 working days [4][5]. - The efficiency improvements not only benefit buyers and sellers but also aid real estate developers in recovering funds more rapidly, thereby stimulating the second-hand housing market [5][6].