Core Points - The article discusses the implementation of a personal consumption loan interest subsidy policy by Guangfa Bank to stimulate domestic consumption and support residents' financial needs [1][2]. Group 1: Policy Implementation - The interest subsidy for personal consumption loans will be available starting from September 1, 2025 [2]. - The subsidy applies to loans used for consumption purposes, excluding credit card transactions, and is valid from September 1, 2025, to August 31, 2026 [2][3]. Group 2: Eligible Consumption Areas - The subsidy covers various key consumption areas, including: - Household vehicles, including purchase, insurance, and maintenance [3]. - Elderly care and childbirth-related expenses, such as home modifications for the elderly and childcare services [3]. - Education and training expenses, including certification training and continuing education [3]. - Cultural tourism services purchased through qualified travel agencies [4]. - Home decoration and appliances, including furniture and kitchenware [5]. - Electronic products, such as smartphones and personal computers [6]. - Health and medical expenses, including dental and vision correction [7]. Group 3: Subsidy Details - The annual interest subsidy rate is set at 1%, with a maximum limit of 50% of the loan contract interest rate [8]. - For loans under 50,000 yuan, the subsidy is calculated based on the actual amount, with a maximum of 1,000 yuan for multiple small transactions; for loans of 50,000 yuan or more, the subsidy is capped at 3,000 yuan when combined with smaller transactions [9]. Group 4: Application Process - Customers can apply for the subsidy through the standard loan process, requiring an authorization confirmation to allow the bank to verify consumption transactions [10]. - For transactions that cannot be automatically identified, customers must upload proof of consumption for manual review [11]. Group 5: Subsidy Disbursement and Inquiry - The subsidy will be directly deducted from the loan interest during the loan settlement process for eligible customers [12]. - Customers can check their subsidy amounts through the bank's mobile app and will receive SMS notifications regarding the subsidy [13]. Group 6: Fees and Compliance - There are no fees associated with the application for the personal consumption loan subsidy [14]. - Borrowers attempting to fraudulently obtain subsidies will face legal consequences and may have negative impacts on their credit records [15].
广发银行关于个人消费贷款财政贴息政策
Zheng Quan Shi Bao Wang·2025-09-01 05:33