Sou Hu Cai Jing·2025-08-13 07:08Group 1 - The scope of interest subsidies for personal consumption loans includes single loans below 50,000 yuan and those above 50,000 yuan in key areas such as home automobiles, elderly care, education, cultural tourism, home decoration, electronics, and healthcare [1] - For single consumption amounts above 50,000 yuan, the interest subsidy is capped at the consumption amount of 50,000 yuan [1] Group 2 - The interest subsidy standard is set at an annual rate of 1%, calculated on the actual principal used for eligible personal consumption loans, with a maximum not exceeding 50% of the loan contract interest rate [3] - During the policy execution period, the total interest subsidy limit for each borrower at one lending institution is 3,000 yuan (corresponding to a cumulative consumption amount of 300,000 yuan), with a limit of 1,000 yuan for loans below 50,000 yuan [3] Group 3 - The lending institutions include six major state-owned commercial banks: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and China Postal Savings Bank [4] - Additionally, there are twelve national joint-stock commercial banks such as CITIC Bank, China Everbright Bank, Huaxia Bank, China Minsheng Bank, and others [5] - Other personal consumption loan issuing institutions include Shenzhen Qianhai WeBank, Chongqing Ant Consumer Finance, and several others [6]