The invention discloses a housing cloud loan service system, which adopts a service-oriented architecture to provide a calling and architecture business integrated management platform for an application system, establishes a mobile app based on the business platform to realize a multi-terminal office channel, and establishes a flexible data conversion mechanism based on a heterogeneous system and a configurable information bridging technology. Conversion of multiple data types and data sources is supported, based on a BPML department collaborative application data comparison technology, an electronic form technology, a block chain technology and a multi-party video conference technology, multiple ca certificate authentication modes are supported, and block chain evidence storage is carried out on standard and non-standard format data generated in the process. The business integrated management platform comprises the following sub-modules: user registration, real name authentication, loan calculation, loan query, loan application, loan pre-examination, loan re-examination, loan examination and approval, online interview and interview, guarantee loan, online mortgage and one-key litigation. According to the invention, the housing loan customer service efficiency and the product experience can be improved.