Core Viewpoint - The article highlights the efficiency and convenience of the housing provident fund loan process in China, particularly through the "one-stop service" reform, which significantly reduces the time and complexity involved in obtaining loans for home purchases [1][2][3]. Group 1: Reform Implementation - The Ministry of Housing and Urban-Rural Development has implemented a reform focusing on streamlining the housing provident fund loan process, addressing issues such as excessive paperwork and lengthy processing times [1][2]. - The reform has led to a new service model in Hainan, which reduces 97 reporting items, 13 application materials, 7 trips, and 5 approval steps, improving processing time by 80% compared to the previous method [2]. Group 2: Digital Transformation - The digitalization of the housing provident fund system is ongoing, with a national public service platform established to ensure interconnected service channels and data sharing among various departments [2][3]. - The integration of facial recognition and electronic seals in provinces like Shandong and Guangxi supports efficient implementation of the "one-stop service" model [2]. Group 3: Service Expansion and Impact - The "one-stop service" for housing provident fund loans has been implemented across 27 provinces and regions, with a total of 230,000 loans issued, amounting to 141 billion yuan [3]. - The Ministry of Housing and Urban-Rural Development aims to fully implement this service nationwide by the end of the year, further enhancing accessibility and efficiency for homebuyers [3].