【特别关注】申请个人消费贷款财政贴息，需要哪些操作？官方详解→

Core Points - The State Council's press conference on August 13 introduced personal consumption loan interest subsidy policies and service industry loan interest subsidy policies [1] Group 1: Personal Consumption Loan Subsidy - Borrowers do not need to take additional actions to enjoy the subsidy; the lending institution will calculate the subsidy amount based on actual consumption and directly deduct it from the interest owed [3] - For example, a consumer who borrows 200,000 yuan at a 3% annual interest rate would normally pay 6,000 yuan in interest. With a 1% subsidy, the interest payment could be reduced by 2,000 yuan, resulting in a one-third interest subsidy [3] Group 2: Service Industry Loan Subsidy - Borrowing entities do not need to apply for the subsidy; they can proceed with the loan through standard banking procedures [4] - For instance, a restaurant that secures a 900,000 yuan loan for one year to expand operations can receive a total subsidy of 9,000 yuan, which will be returned in two phases: an initial payment of 3,000 yuan and subsequent monthly deductions of 750 yuan from future interest payments [5][6]