Sou Hu Cai Jing·2025-08-14 12:35Support Scope - The implementation plan specifies that loans meeting certain conditions can enjoy interest subsidy policies, including consumption loans below 50,000 yuan and above for key areas such as home automobiles, education, and health care [3][7] - For loans above 50,000 yuan, the interest subsidy is capped at the consumption amount of 50,000 yuan, with potential for policy extension and expansion based on implementation effects [3][6] Loan Institutions - The loan processing institutions include six major state-owned commercial banks and twelve national joint-stock commercial banks, as well as five other personal consumption loan issuing institutions [4] Interest Subsidy Standards - The annual interest subsidy rate is set at 1%, with a maximum of 50% of the loan contract interest rate, funded by central and provincial finances at 90% and 10% respectively [5][6] - Each borrower can receive a cumulative interest subsidy cap of 3,000 yuan from one loan institution, corresponding to a total consumption amount of 300,000 yuan [6] Key Areas for Personal Consumption Loan Subsidies - Key areas for subsidies include home automobiles, elderly care, education and training, cultural tourism, home decoration, electronic products, and health care [7][8] Support Scope for Service Industry Loan Subsidies - The plan outlines that loans issued to service industry entities in eight categories, including accommodation, health, and tourism, can also benefit from interest subsidies [10][16] - Loans must be signed between March 16, 2025, and December 31, 2025, and funds must be used to improve consumption infrastructure and service capabilities [10][11] Interest Subsidy Standards for Service Industry - The interest subsidy for loans to service industry entities is also set at 1% annually, with a maximum loan amount of 1 million yuan per entity [13][14]