中国建设银行·2025-09-25 08:14Core Viewpoint - The article discusses the new personal consumption loan interest subsidy policy implemented by the Ministry of Finance, the People's Bank of China, and the financial regulatory authority, aimed at reducing residents' financial burdens and encouraging consumption [2][4]. Policy Implementation - The policy will be effective from September 1, 2025, to August 31, 2026 [3]. Eligible Consumption - The subsidy applies to personal consumption loans used for various types of consumption, including goods and services [4]. - Specific consumption categories include daily expenses, home appliances, education, cultural tourism, home decoration, health care, and elderly care services [5][6]. Subsidy Standards - The annual subsidy rate is set at 1 percentage point, with a maximum limit of 50% of the loan contract interest rate [7]. - For eligible cumulative consumption of 30,000 yuan, the maximum subsidy is 3,000 yuan, while for 100,000 yuan, the maximum subsidy is 1,000 yuan [8]. Case Example - An example illustrates that if a consumer takes a personal consumption loan of 200,000 yuan at a 3% interest rate, without the subsidy, they would pay 6,000 yuan in interest annually. With the subsidy, they could reduce their interest payment by 2,000 yuan, effectively receiving a one-third interest rebate [10][12]. Implementation by Bank - China Construction Bank will act as the implementing institution for the subsidy policy, providing a streamlined process for eligible personal consumption loan customers starting from September 1, 2025 [14]. - The bank emphasizes that it will not charge any additional service fees and all transactions will be conducted through official channels to prevent fraud [16].