Core Viewpoint - The Beijing Housing Provident Fund Management Center has introduced measures to enhance the quality and efficiency of personal housing loan services, aiming to invigorate the real estate market and promote stable development [1][2]. Group 1: Loan Service Improvements - The new measures include a "telephone loan" service, removal of restrictions on collateral evaluation, and an expansion of the number of entrusted banks [1][6]. - As of April 2025, the center has issued 25,089 loans totaling 21.715 billion yuan, with various service models contributing to this efficiency [2]. - The average loan processing time has been reduced from over one month to approximately 10 working days [4]. Group 2: Specific Case Examples - A case was highlighted where a borrower completed a loan application in just 56 minutes for a new home, showcasing the expedited process [4]. - In another instance, 205 loans totaling about 1.89 billion yuan were successfully issued within two weeks for a housing project, demonstrating the effectiveness of the new measures [5]. Group 3: Enhanced Accessibility - The introduction of the "telephone loan" allows borrowers to apply for loans via a hotline, facilitating a more direct and convenient application process [6]. - The policy changes enable simultaneous processing of mortgage release and loan applications, significantly improving transaction efficiency in the second-hand housing market [8]. Group 4: Expanded Service Network - The number of entrusted banks has been increased to 11, allowing for a broader range of services including online applications and on-site signing [10][11]. - This expansion aims to enhance the accessibility of housing loans and reduce the burden on borrowers, making the process more user-friendly [10].

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]