一文读懂丨广发银行关于个人消费贷款财政贴息政策

Core Viewpoint - The announcement by Guangfa Bank regarding the implementation of a personal consumption loan interest subsidy policy aims to stimulate domestic demand and support consumer spending in line with government directives [1][2]. Summary by Relevant Sections Implementation Timeline - The personal consumption loan interest subsidy can be processed starting from September 1, 2025 [1]. Scope of Subsidy - The subsidy applies to personal consumption loans issued by Guangfa Bank, excluding credit card transactions, used for consumption from September 1, 2025, to August 31, 2026. Eligible expenditures include single transactions below 50,000 yuan and those of 50,000 yuan or more in key consumption areas [2]. Key Consumption Areas - The key areas eligible for the subsidy include: - Household automobiles, including purchase, insurance, and maintenance [3]. - Elderly care and childbirth, covering home modifications for the elderly, services from care institutions, and childcare [4]. - Education and training, including certification training and continuing education [5]. - Cultural tourism, supporting domestic travel services purchased through qualified agencies [6]. - Home decoration, including renovations and household appliances [7]. - Electronic products, such as smartphones and computers [8]. - Health care, including dental and vision correction services [9]. Subsidy Standards - The annual interest subsidy rate is set at 1%, not exceeding 50% of the loan contract interest rate. The subsidy is calculated based on the total eligible consumption amount during the policy period, with a cap of 50,000 yuan for single transactions above this amount [8]. Maximum Subsidy Amount - For transactions below 50,000 yuan, the subsidy is calculated based on the actual amount, with a maximum of 1,000 yuan. For transactions of 50,000 yuan or more, the subsidy is capped at 3,000 yuan when combined with smaller transactions [9]. Application Process - Customers can apply for the subsidy through standard loan procedures, requiring an authorization confirmation to allow the bank to verify consumption transactions. Automatic recognition will apply where possible, while manual verification is available for unrecognized transactions [10][11]. Disbursement of Subsidy Funds - The subsidy will be directly deducted from the loan interest during the loan settlement process for eligible customers [12]. Inquiry and Fees - Customers can check their subsidy amounts via the bank's mobile app, and no fees will be charged for processing the subsidy [13][14]. Compliance and Consequences - Borrowers attempting to fraudulently obtain subsidy funds will face legal consequences, including negative impacts on their credit records [15].