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 consumption and support businesses, focusing on improving residents' living standards and enhancing service quality [1]. Personal Consumption Loan Subsidy Policy - The central government will provide interest subsidies for personal consumption loans, targeting loans used for various consumer expenditures, including daily expenses and significant purchases like cars and home renovations [2]. - The subsidy rate is set at 1%, approximately one-third of the current interest rate for personal consumption loans [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 businesses, focusing on eight key sectors such as dining, health, and tourism [3]. - Similar to the personal loan policy, the subsidy rate is also 1% and can be applied for one year [3]. - Each business can receive a maximum subsidy of 10,000 yuan for loans up to 1 million yuan [3]. Application Conditions for Personal Consumption Loan Subsidy - Individuals must have obtained a consumption loan from September this year and demonstrate actual consumption behavior [4]. - The maximum subsidy for a single loan is 500 yuan, with a cumulative maximum of 3,000 yuan for multiple loans [4]. Application Conditions for Service Industry Loan Subsidy - Businesses must utilize the loan funds for operational activities to qualify for the subsidy [5]. Loan Subsidy Processing for Personal Consumption - Borrowers need to authorize the lending institution to access transaction information for subsidy processing [9]. - The lending institution will deduct the subsidy amount from the interest payments, and borrowers will be notified through various channels [9]. Loan Subsidy Processing for Service Industry - Businesses follow standard credit procedures to apply for loans, and once the subsidy funds are received, the bank will refund the interest paid [11]. - Future interest payments will have the subsidy deducted directly by the bank [11]. Cost-Saving Examples - A consumer taking a 200,000 yuan loan for home renovation at a 3% interest rate could save 2,000 yuan in interest due to the subsidy [13]. - A restaurant receiving a 900,000 yuan loan can benefit from a total subsidy of 9,000 yuan, with the bank refunding part of the subsidy after receiving government funds [15]. Key Highlights of the "Double Subsidy" Policy - The policy aims for precise subsidies, greater support for consumption, broader coverage, efficient processing, and a focus on serving consumers and businesses [16].