Core Viewpoint - The State Council introduced personal consumption loan interest subsidy policies to support consumer spending and service industry loans, detailing the application process and benefits for borrowers [1]. Group 1: Personal Consumption Loan Interest Subsidy - Borrowers need to grant loan institutions permission to access transaction information of the loan account when applying for personal consumption loans [3]. - For existing loans, institutions can obtain authorization through supplementary agreements, calculating the subsidy based on actual consumption [3]. - An example illustrates that a consumer borrowing 200,000 yuan at a 3% interest rate could save up to 2,000 yuan in interest payments with a 1% subsidy, equating to a one-third reduction in interest costs [3]. Group 2: Key Areas for Personal Consumption Loan Subsidy - The subsidy applies to various sectors, including: - Household automotive purchases, insurance, and maintenance [4]. - Elderly care and child-rearing services [4]. - Education and training for qualifications and higher education [4]. - Cultural tourism services through qualified travel agencies [4]. - Home decoration and appliances [4]. - Electronic products like smartphones and computers [4]. - Health services such as dental and vision correction [4]. Group 3: Service Industry Loan Interest Subsidy - Borrowing entities do not need to apply for the subsidy; they follow standard loan procedures with banks [5]. - Banks will return the subsidy amount to the borrowing entity after receiving the funds from the government [6]. - An example shows a restaurant borrowing 900,000 yuan could receive a total subsidy of 9,000 yuan, with part returned as a lump sum and the remainder deducted from future interest payments [6].
申请个人消费贷款财政贴息,需要哪些操作?官方详解→
Sou Hu Cai Jing·2025-08-13 08:53