权威数读｜这两项贴息政策，关系着你我的消费开支

Core Viewpoint - The government has introduced two subsidy policies for personal consumption loans and service industry loans to stimulate consumer spending and support service providers, focusing on improving residents' consumption and enhancing service quality [1] Personal Consumption Loan Subsidy Policy - The central government will provide subsidies for personal consumption loans for the first time, targeting loans used for consumption by residents [2] - The subsidy rate is set at 1 percentage point, approximately one-third of the current commercial bank personal consumption loan interest rate [2] - The policy will be implemented for one year and covers both goods and service consumption [2] Service Industry Loan Subsidy Policy - The subsidy targets bank loans issued to service industry operators in the consumption sector [3] - Key areas for subsidy include dining, accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [3] - The subsidy rate is also set at 1 percentage point, applicable for one year, with a maximum loan amount of 1 million yuan per entity and a maximum subsidy of 10,000 yuan per entity [3] Application Conditions for Personal Consumption Loan Subsidy - Individuals must have obtained a consumption loan from relevant institutions starting from September this year and have actual consumption behavior [4] - The maximum subsidy for a single loan is 500 yuan, with a cumulative maximum of 1,000 yuan for multiple loans under 50,000 yuan, and up to 3,000 yuan for loans over 50,000 yuan when combined with smaller loans [4] Application Conditions for Service Industry Loan Subsidy - Loan funds must be used for business activities [5] - Service industry operators can enjoy the subsidy if they have signed a loan contract with a bank and received the loan funds from March 16 to the end of the year, with a maximum subsidy period of one year [6] Processing Procedures for Personal Consumption Loan Subsidy - Borrowers need to grant the loan institution permission to identify transaction information [8] - For existing loans, the institution can obtain authorization through a supplementary agreement, and the subsidy will be deducted from the interest payments [8] Processing Procedures for Service Industry Loan Subsidy - Borrowers must follow the normal credit process to apply for loans at banks [10] - Once the bank receives the subsidy funds, it will return the corresponding subsidy amount to the borrower for interest already paid and deduct future subsidies from upcoming interest payments [10] Cost-saving Examples for Personal Consumption Loan Subsidy - A consumer using a personal consumption loan of 200,000 yuan for home renovation at a 3% annual interest rate would pay 6,000 yuan in interest without the subsidy, but with the subsidy, they could save up to 2,000 yuan [12] Cost-saving Examples for Service Industry Loan Subsidy - A restaurant obtaining a 900,000 yuan loan for one year can receive a total subsidy of 9,000 yuan, with 3,000 yuan returned at the beginning and 750 yuan deducted monthly from future interest payments [14]