两项贷款贴息政策出台！谁能申请、怎么申请 官方回应

Core Viewpoint - The introduction of personal consumption loan interest subsidy policies aims to stimulate consumer spending and enhance economic circulation by reducing credit costs for residents and service industry operators [1][2]. Summary by Relevant Sections Personal Consumption Loan Subsidy Policy - The policy provides a 1% interest subsidy on personal consumption loans used for various consumer expenditures, including daily expenses under 50,000 yuan and larger purchases like cars and home renovations [2][3]. - The subsidy is designed to cover the actual consumption portion of loans, with a maximum subsidy of 500 yuan per person for each loan, and multiple loans can be combined for a total subsidy of up to 1,000 yuan for smaller loans and 3,000 yuan for larger loans [3][5]. Service Industry Loan Subsidy Policy - This policy targets loans to service industry operators in key consumption sectors such as dining, health, and tourism, with a similar 1% interest subsidy applicable for one year [2][4]. - Each service entity can receive a maximum subsidy of 10,000 yuan on loans up to 1 million yuan, with the requirement that the loan funds be used for operational activities [3][4]. Application Process and Conditions - To qualify for the personal consumption loan subsidy, borrowers must demonstrate genuine consumption behavior, with the policy effective for one year starting from September [2][6]. - For service industry loans, operators need to have a signed loan agreement and received funds to benefit from the subsidy, which will be applied automatically by the lending institution [4][5]. Implementation and Operational Efficiency - The policies are designed to be straightforward, with minimal burden on borrowers, as the lending institutions will handle the application and subsidy processes [6]. - Borrowers will be informed of their subsidy status through various communication methods, ensuring transparency and ease of access [4][6].