个人消费贷款贴息政策来了！贴息范围及标准→

Core Viewpoint - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Authority have issued the "Implementation Plan for Fiscal Subsidy Policy on Personal Consumption Loans," aimed at stimulating consumer spending through interest subsidies on eligible loans [1]. Support Scope - The subsidy policy applies to loans that meet specific criteria, including those issued by designated financial institutions [1]. Subsidy Standards - The annual subsidy rate is set at 1%, with a maximum limit of 50% of the loan contract interest rate. The central and provincial finances will cover 90% and 10% of the subsidy funds, respectively [4]. Key Areas for Personal Consumption Loan Subsidies - The policy focuses on several key areas for personal consumption loans, including: - Household automotive purchases, including vehicle insurance and maintenance [3]. - Elderly care and childbirth services, such as home modifications for the elderly and childcare services [3]. - Education and training, including certification training and higher education [5]. - Cultural tourism, supporting domestic travel services purchased through qualified agencies [5]. - Home decoration, covering renovations and household appliances [5]. - Electronic products, including smartphones and personal computers [6]. - Health care services, such as dental and vision correction [6]. Subsidy Limits - The total subsidy limit for each borrower at a single lending institution is capped at 3,000 yuan, corresponding to a total eligible consumption amount of 300,000 yuan. For loans below 50,000 yuan, the cumulative subsidy limit is 1,000 yuan, corresponding to 100,000 yuan in eligible consumption [4]. Participating Financial Institutions - The policy includes six major state-owned commercial banks and twelve national joint-stock commercial banks, as well as five other personal consumption loan providers [4].