Group 1 - The "Action Plan" issued by the Beijing Municipal Government includes 24 tasks aimed at enhancing consumer confidence and addressing key areas related to citizens' lives [2][3] - The plan focuses on optimizing the automotive consumption ecosystem by improving small passenger car indicator allocation and expanding the automotive aftermarket, including modifications, rentals, and events [1] - It emphasizes the need for new housing supply by prioritizing residential land near transit stations and employment hubs, and enhancing the "guarantee + market" housing supply system [1] Group 2 - The plan aims to leverage housing provident funds to support individuals in withdrawing funds for down payments while applying for personal housing loans [1] - It highlights the growing "silver economy" by encouraging diverse elderly care services from institutions, home service companies, and property management firms, along with promoting rehabilitation aids [1] - The initiative also encourages the development of travel products tailored for the elderly, such as self-driving tours and wellness trips [1]

Group 1 - The core viewpoint of the article emphasizes the importance of optimizing housing supply in Beijing, particularly by prioritizing residential land supply near transit stations and employment hubs, which aims to enhance the housing consumption market [1][2] - The policy aims to create a dual housing supply system that includes both "guaranteed" and "market" housing, catering to various income levels and housing needs, thereby promoting a balanced and healthy development of the real estate market [2][3] Group 2 - The introduction of the "mortgage transfer" policy is expected to improve the liquidity of the second-hand housing market by allowing the transfer of mortgage loans along with the property, simplifying the transaction process [3][4] - The new policy allows for simultaneous processing of mortgage release and loan application for second-hand properties, which is anticipated to reduce transaction time and costs, thus enhancing market activity [4]

Group 1 - The Beijing Housing Provident Fund Management Center has introduced a new "telephone loan" service, allowing borrowers to apply for housing provident fund loans via a hotline, achieving a "zero-run" process [1][6] - A total of 11 banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, and China Construction Bank, are authorized to provide this service [3][5] - The process involves borrowers calling the 12329 hotline, where their information is recorded and forwarded to the designated bank for further assistance [5][6] Group 2 - China Construction Bank has committed to enhancing service quality by implementing a rapid response mechanism for loan applications, ensuring timely customer support [7] - The bank has introduced three convenient service models: "branch acceptance," "door-to-door signing," and "entrusted agency," which aim to facilitate the loan process for busy or mobility-impaired individuals [7][8] - As of April 2025, the Beijing Housing Provident Fund Management Center has provided door-to-door signing services for 14,534 families, addressing the needs of borrowers, especially those requiring special assistance [8] Group 3 - The new telephone loan service is seen as a significant improvement over traditional methods, which often require in-person meetings, thus reducing time costs for borrowers [8] - Experts suggest that banks could innovate further by extending loan terms or introducing tailored services for young potential homebuyers, such as a "front low, back high" repayment model to ease monthly payment burdens [8]

Core Viewpoint - The Beijing Housing Provident Fund Management Center has introduced new measures for housing provident fund loans, including a "telephone loan service" that allows borrowers to apply for loans via a hotline, achieving a "zero-run" process for applicants [1][2]. Summary by Sections - **New Loan Application Method**: The "telephone loan, service direct" model enables borrowers to call the 12329 provident fund hotline, providing necessary information for loan applications, which are then processed by the entrusted banks [2]. - **Streamlined Process**: The loan processing time has been significantly reduced from over a month to an average of ten working days due to the simplification of required documents and optimization of business processes [4]. - **Collaboration with Banks**: Currently, 11 entrusted banks are cooperating with the Beijing Provident Fund Center to offer services such as delegated processing, home signing, and telephone loans, enhancing the efficiency of the loan application process [6]. - **Efficiency in Second-hand Housing Loans**: For second-hand housing transactions involving mortgaged properties, the center allows for simultaneous evaluation and processing of loan and release procedures, thereby improving transaction efficiency [6].

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]

Group 1 - The Beijing Housing Provident Fund Management Center has issued a notice to improve the quality and efficiency of personal housing loan services [1] - The notice includes the cancellation of restrictions on the evaluation of collateral based on the mortgage status of the property [1] - The aim is to create a more efficient and convenient process for second-hand housing loans, allowing for evaluations to proceed even if the property is mortgaged [1]

据梳理，北京、重庆、哈尔滨、西安、昆明、青岛、江门、郑州等地已落地政策调整，将贷款到期年龄上限普遍延长至男性68岁、女性63岁，或法定退休 年龄后5年，与国家渐进式延迟退休政策协同适配。 受访人士表示，此次公积金贷款年龄上限调整，通过放宽借款人年龄限制为延长贷款期限创造空间，在释放住房消费潜力的同时，对银行风险评估与防控 机制形成新考验。 银行需在政策红利释放与风险底线坚守间寻求平衡，既要落实支持合理住房需求的政策导向，也要筑牢高龄贷款业务的风控防线。 北京 住房公积金个人住房贷款借款期限可计算到借款申请人法定退休年龄后5年，原则上最高不超过68周岁，贷款期限最长为30年。 自2025年1月1日起执行。原有政策与本通知不一致的，以本通知为准。 重庆 2024年11月28日，重庆市住房公积金管理中心发布《关于优化调整住房公积金使用政策的通知》，将住房公积金个人住房贷款到期时间男性延长到68岁、 女性延长到63岁，或延长到缴存人法定退休年龄后5年，最长贷款期限不超过30年。政策2025年1月1日起执行。 哈尔滨 2024年12月31日，哈尔滨住房公积金管理中心发布《关于调整公积金个人住房贷款借款申请人最高年龄限制 ...