申请个人消费贷款财政贴息，需要哪些操作？官方详解

Core Points - The State Council introduced personal consumption loan interest subsidy policies and service industry loan interest subsidy policies during a press conference [1] Group 1: Personal Consumption Loan Interest Subsidy - Borrowers can apply for personal consumption loans by granting banks the authority to access transaction information of designated accounts [2] - For example, a consumer borrowing 200,000 yuan at a 3% annual interest rate could save up to 2,000 yuan in interest payments with a 1% subsidy, resulting in a one-third reduction in interest costs [2] - Key areas eligible for subsidies include home appliances, automotive purchases, elderly care services, education and training, cultural tourism, home decoration, electronic products, and health care [3] Group 2: Service Industry Loan Interest Subsidy - Borrowing entities do not need to apply for subsidies; they can proceed with normal loan processes at banks [4] - Once the bank receives the subsidy funds, it will return the corresponding subsidy amount to the borrowing entity for interest already paid [5] - For future interest payments, the bank will directly deduct the subsidy amount from the monthly interest owed by the borrowing entity [5]