Core Viewpoint - The article discusses the implementation of a fiscal interest subsidy policy for personal consumption loans by China Construction Bank, effective from September 1, 2025, aimed at supporting eligible customers in their consumption activities [1]. Group 1: Eligible Loans for Subsidy - Personal consumption loans issued by the bank, excluding credit card transactions, that are used for consumption and can be identified through the loan disbursement account are eligible for the subsidy [2]. - The subsidy covers consumption transactions under various categories, including but not limited to household vehicles, education, healthcare, and electronic products, with a focus on transactions below and above 50,000 yuan [2]. Group 2: Subsidy Standards - The annual subsidy rate is set at 1 percentage point, with a maximum limit of 50% of the loan contract interest rate [3]. - The total subsidy cap for all personal consumption loans during the policy period is 3,000 yuan, with a specific cap of 1,000 yuan for loans below 50,000 yuan [3]. Group 3: Application Process - Customers must follow the standard loan application process and sign a service agreement to authorize the bank to access transaction information for subsidy eligibility [4]. - The bank will automatically identify eligible transactions through its system, deducting the subsidy from the loan interest during repayment [4]. Group 4: Accessing Subsidy Information - A dedicated section for "Consumption Loan Fiscal Subsidy" has been established in the bank's mobile app, providing access to the service agreement, subsidy records, and application uploads [5]. Group 5: Signing the Service Agreement - New customers signing personal consumption loans from September 1 can access the service agreement through the mobile banking app [6]. - Existing customers who draw loans after September 1 must also sign the service agreement via the app [7]. Group 6: Automatic Identification of Transactions - The bank's system can automatically identify eligible transactions made from the designated debit card account linked to the personal consumption loan [8]. Group 7: Manual Invoice Submission - For transactions not automatically identified, customers can upload invoices for manual review starting September 5 [9]. - The process involves entering transaction details and uploading corresponding invoices for verification [9]. Group 8: Timing for Subsidy Deduction - The subsidy amount will only be calculated for the policy period from September 1, 2025, to August 31, 2026, and will be directly deducted from the loan interest during repayment [10].
中国建设银行个人消费贷款财政贴息服务客户问答