哪些个人消费贷款可享受财政贴息？怎么办理?官方详解

Core Viewpoint - The central government has introduced personal consumption loan interest subsidies and service industry loan interest subsidies, marking the first implementation of such policies at the central level to stimulate consumer spending and support service providers [1][10]. Personal Consumption Loan Interest Subsidy Policy - The subsidy targets the portion of personal consumption loans used for consumption, including daily expenses under 50,000 yuan and larger purchases in key areas such as home appliances, healthcare, and education [2][4]. - The subsidy rate is set at 1 percentage point, approximately one-third of the current commercial bank personal consumption loan interest rates, and will be effective for one year [2][4]. - The policy aims to support both goods and service consumption, aligning with the diversified consumption trends of residents [2]. Service Industry Loan Interest Subsidy Policy - This subsidy focuses on loans to service industry entities in eight key consumption service areas, including dining, healthcare, and tourism, with a subsidy rate of 1 percentage point for one year [4][10]. - Each service entity can receive a maximum loan of 1 million yuan, with a maximum subsidy of 10,000 yuan per entity [4]. - After the policy period, evaluations will be conducted to consider extending the policy or expanding its scope [4]. Implementation and Management - Borrowers applying for personal consumption loans need to grant the lending institution permission to access transaction information to calculate the subsidy [6][8]. - For service industry loans, borrowers do not need to apply for the subsidy; the lending bank will directly return the subsidy amount to the borrower [8][10]. - Financial regulatory authorities will ensure that the subsidy funds are used specifically for the intended purposes and prevent misuse [9][11].