“双贴息”政策落地，条件有哪些、如何办理？实操版全解读

Core Points - The "Double Subsidy" policy for personal consumption loans and service industry loans is introduced to stimulate domestic consumption and economic growth [3][6] - The policy is set for a duration of one year, with a possibility of extension based on evaluation [3][5] Group 1: Policy Overview - The personal consumption loan subsidy directly benefits the public, marking the first time central finance has subsidized personal consumption loans [3][6] - The subsidy rate is set at 1 percentage point, approximately one-third of the current commercial bank personal consumption loan interest rate [6] - The service industry loan subsidy targets eight key service sectors, including dining, health, and tourism, with a maximum loan amount of 1 million yuan per entity [6][11] Group 2: Implementation Details - Consumers must use personal consumption loans for eligible expenditures to qualify for the subsidy; loans used for non-consumption purposes will not receive support [9][10] - For example, a consumer borrowing 200,000 yuan for home renovation at a 3% interest rate could save 2,000 yuan in interest due to the subsidy [10] - Service industry entities do not need to apply for the subsidy; it is automatically processed through normal banking procedures [10][11] Group 3: Evaluation and Future Considerations - After the policy's expiration, an evaluation will be conducted to consider extending the policy, expanding support, and adjusting loan processing [5][7] - The design of the policies adheres to five principles, focusing on consumer needs and market-oriented operations [7][11]