明确了！农业银行：贴息资金将直接扣减

Core Viewpoint - The introduction of the personal consumption loan interest subsidy policy by the Chinese government aims to stimulate consumer spending and support economic recovery, with major banks quickly responding to implement the policy [3][4]. Group 1: Policy Implementation - The Ministry of Finance, the People's Bank of China, and the financial regulatory authority jointly released the implementation plan for the personal consumption loan interest subsidy policy, marking the first central-level initiative of its kind [3]. - The policy will be effective from September 1, 2025, to August 31, 2026, allowing eligible personal consumption loans to receive interest subsidies based on actual consumption [3][4]. - The subsidy will cover various consumption categories, including home appliances, automobiles, education, and healthcare, with specific limits on the subsidy amounts [4]. Group 2: Subsidy Details - The annual subsidy rate is set at 1 percentage point, with a maximum limit of 50% of the loan contract interest rate, funded by central and provincial finances [4]. - Each borrower can receive a total subsidy cap of 3,000 yuan, corresponding to a cumulative consumption amount of 300,000 yuan, with specific limits for smaller loans [4]. Group 3: Application Process - Borrowers need to grant permission to the lending institution to access transaction information for the subsidy calculation, which can be done through a supplementary agreement if necessary [7]. - The subsidy will be directly deducted from the interest payments, simplifying the process for borrowers [7]. Group 4: Examples of Benefits - A consumer using a personal consumption loan of 200,000 yuan for home renovation at a 3% interest rate could save up to 2,000 yuan in interest payments due to the subsidy, effectively receiving a one-third reduction in interest costs [7]. - For business loans, the process is similar, with the bank returning the subsidy amount directly to the borrower after receiving the funds from the government [8].