Personal Consumption Loan Subsidy Policy - The core condition for residents to enjoy personal consumption loan subsidies is to have genuine consumption behavior [1] - From September this year, consumers can receive subsidies for various types of consumption, with a maximum subsidy of 500 yuan per single transaction, and multiple transactions can be combined for a total subsidy of up to 1000 yuan for loans under 50,000 yuan, and up to 3000 yuan for loans above 50,000 yuan [2][1] Service Industry Loan Subsidy Policy - The core condition for service industry entities to receive loan subsidies is that the loan funds must be used for business activities [5] - The maximum loan amount eligible for subsidy in the eight major consumption sectors is 1 million yuan per entity, with a maximum subsidy of 10,000 yuan [6] Application and Processing Procedures - For personal consumption loans, borrowers do not need to take additional actions to receive subsidies; the lending institution will calculate the subsidy based on actual consumption and deduct it from the interest payments [3] - For service industry loans, borrowers simply need to follow the normal loan application process, and the bank will return the subsidy amount to the borrower after receiving the funds from the government [7] Examples of Subsidy Impact - A consumer taking 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 with a 1% subsidy, effectively receiving a one-third reduction in interest costs [4] - A restaurant receiving a 900,000 yuan loan for business expansion can benefit from a total subsidy of 9,000 yuan, with the bank returning part of the subsidy upfront and deducting the rest from future interest payments [8]
个人消费贷款贴息政策和服务业经营主体贷款贴息政策申请条件、办理流程→
Sou Hu Cai Jing·2025-08-14 05:02