最高省三千元！个人消费贷下月可享贴息

Core Viewpoint - The implementation of the personal consumption loan interest subsidy policy aims to reduce the cost of consumer credit for residents, thereby stimulating consumption and promoting economic growth from September 1, 2025, to August 31, 2026 [1] Summary by Relevant Sections Policy Details - The annual subsidy rate is set at 1% of the actual consumer loan principal used for eligible consumption, with a maximum subsidy not exceeding 50% of the loan contract interest rate [2] - Each borrower can receive a total subsidy cap of 3,000 yuan from one lending institution, corresponding to a total eligible consumption amount of 300,000 yuan [2] - The policy covers key consumption areas such as automobiles, elderly care, tourism, and electronic products [1] Loan Eligibility and Limits - The subsidy applies to personal consumption loans (excluding credit card transactions) that can be identified by the lending institution as used for consumption [2] - For single transactions below 50,000 yuan, the cumulative subsidy limit is 1,000 yuan, corresponding to a total eligible consumption amount of 100,000 yuan [2] - For single transactions of 50,000 yuan and above, the subsidy limit is set at 5,000 yuan [2] Participating Financial Institutions - A total of 23 financial institutions are involved, including 6 major state-owned commercial banks and 12 national joint-stock commercial banks, as well as 5 other personal consumption loan providers [3] - Major banks include Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and others [3] Institutional Response - Following the announcement of the policy, Agricultural Bank of China has expressed its commitment to implement the subsidy program in compliance with the new regulations starting from September 1, 2025 [4]