新华财经北京6月6日电（记者高婷）为进一步激发房地产市场活力，促进房地产市场平稳健康发展，北京住房公积金管理中心（以下简称"公积金中心"）6 日发布《关于进一步完善提高住房公积金个人住房贷款服务质效工作的通知》（以下简称《通知》），通过新增"电话贷款，服务直达"模式、取消抵押物评 估对房屋抵押状态限制的规定、扩大受托银行数量等方式，进一步完善提高住房公积金个人住房贷款服务质效。 从提升公积金贷款服务品质来看，双亮举例进行介绍，去年11月，借款人郑先生因购买二手房申请公积金贷款，贷款审批通过后，突发疾病需入院手术无法 办理面签手续。为解决借款人实际困难，不耽误其房屋交易进程，贷款受托银行在2024年11月11日下午前往北京中医药大学东方医院，协助借款人郑先生完 成借款合同签订手续，贷款受托银行工作人员在狭小的病房内全程半蹲为郑先生讲解后续注意事项，为群众提供了暖心服务。 "56分钟办完一手房公积金贷款"则体现出公积金中心在加快贷款放款速度上狠抓实效。双亮说，2024年11月25日，借款人王先生因购买一手房申请公积金贷 款，当日即完成贷款审核、面签手续，用时仅56分钟。2024年11月27日王先生完成新建住房预抵 ...

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]