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个人怎么申请消费贷款贴息?对征信有没有要求?权威攻略来了
Jin Rong Shi Bao·2025-08-27 03:21

Core Points - The Chinese government has introduced a personal consumption loan interest subsidy policy to reduce the financial burden on consumers by subsidizing part of the interest on eligible loans starting from September 1, 2025 [1][2] - The subsidy applies to various types of consumer loans, including those for daily expenses, vehicle purchases, home renovations, and services like travel and education, with a maximum subsidy of 500 yuan per loan [1][2] - The interest subsidy rate is set at an annualized 1%, but banks may impose additional restrictions on the subsidy amount [2] Application Process - Consumers can apply for the subsidy through banks without needing to go through government departments, simplifying the process [3] - The application involves borrowing from a bank and signing a supplementary agreement to confirm the loan's consumption purpose, with the subsidy directly deducted from the interest owed [3] Credit Requirements - The subsidy policy does not impose additional credit requirements, but banks will still evaluate credit history during the loan approval process [4] - Consumers should maintain a good credit record, as negative credit history can hinder loan approval and eligibility for the subsidy [4] Important Considerations - Consumers are advised to borrow only if necessary and to ensure that the loan is used strictly for consumption purposes, as misuse can lead to penalties [5] - Maintaining a good credit score is crucial for future loan applications and eligibility for subsidies [5]