个人消费贷款贴息怎么补？补多少？这项新政关系你我“钱袋子”↓

Core Points - The Chinese government has introduced a new policy to provide interest subsidies for personal consumption loans, marking a significant support measure for consumers [1][2] - The policy aims to alleviate financial burdens for individuals seeking loans for various consumption purposes, including daily expenses, home renovations, and larger purchases [2][4] Summary by Categories Personal Consumption Loan Subsidies - Eligible personal consumption loans must be used for genuine consumption activities, including small daily expenses or larger purchases like cars and home renovations [2] - Each individual can receive a maximum interest subsidy of 500 yuan per loan, with the possibility of combining multiple loans for a total subsidy of up to 1000 yuan [2][4] Interest Subsidy Rules - For loans under 50,000 yuan, the subsidy is calculated at a rate of 1%, which is approximately one-third of the current commercial bank loan interest rates [4] - For loans exceeding 50,000 yuan, the subsidy is capped at 3000 yuan when combined with smaller loans, with the calculation based on the 50,000 yuan threshold [4] Application Process - Borrowers do not need to take additional steps to apply for the interest subsidy; it is automatically processed when signing the loan agreement [5] - Major state-owned banks have confirmed that there will be no extra fees for processing these subsidies [5] Business Loan Subsidies - The policy also extends to service industry businesses, allowing them to benefit from interest subsidies on loans taken for operational improvements [5] - For example, a restaurant obtaining a 900,000 yuan loan can receive a total subsidy of 9000 yuan, with monthly deductions from interest payments [5]