政在回应 | 个人消费贷款贴息：买什么能用？补贴多少？

Core Points - The implementation of the "Personal Consumption Loan Interest Subsidy Policy" starting from September 1 will provide benefits to consumers, marking the first time the central government offers interest subsidies on personal consumption loans [1] Group 1: Eligible Consumption - The subsidy applies to a wide range of consumption, including small daily expenses, larger purchases such as cars, home renovations, furniture, appliances, and electronics, as well as services like travel, retirement, childbirth, education, and medical care, provided that the consumer obtains a loan from relevant institutions [3] Group 2: Subsidy Amount - The annual interest subsidy rate is set at 1%, with a maximum subsidy not exceeding 50% of the loan contract interest rate. The central and provincial governments will cover 90% and 10% of the subsidy funds, respectively [4] - Each individual can receive a maximum subsidy of 500 yuan per single transaction, with multiple transactions eligible for cumulative benefits. For transactions below 50,000 yuan, the subsidy is calculated based on the actual amount. For transactions above 50,000 yuan, the subsidy is capped at 50,000 yuan, allowing for a maximum cumulative subsidy of 3,000 yuan when combined with smaller transactions [5] Group 3: Loan Institutions - The policy involves six major state-owned commercial banks and twelve national joint-stock commercial banks, along with five other personal consumption loan issuing institutions [6] Group 4: Application Process - Borrowers must grant the loan institution relevant permissions when signing the loan agreement to allow for the identification of transaction information related to the loan account [7] - For existing loans, institutions can obtain borrower authorization through supplementary agreements to calculate the subsidy amount according to policy requirements, directly deducting the subsidy from the loan interest during regular payments. Borrowers can track their subsidy status via SMS or mobile apps [8]