Core Viewpoint - The article discusses the recent implementation of consumer loan interest subsidies and various vehicle purchase subsidies in Shenzhen, aimed at stimulating consumer spending and supporting the automotive industry [5][12][21]. Consumer Loan Interest Subsidies - The subsidy program covers personal consumption loans, including those under 50,000 yuan and for key areas such as home appliances, education, and healthcare [5][6]. - The annual interest subsidy rate is set at 1%, with a maximum limit of 50% of the loan contract interest rate, funded by central and provincial finances [7]. - Each borrower can receive a total subsidy cap of 3,000 yuan for loans up to 300,000 yuan, with a specific cap of 1,000 yuan for loans below 50,000 yuan [7]. Vehicle Purchase Subsidies - Shenzhen has introduced various vehicle purchase subsidies, effective from July 15, 2025, to September 15, 2025, with different subsidy tiers based on the vehicle price [14][17]. - The subsidy standards are categorized into three tiers based on the purchase price, with amounts ranging from 3,000 yuan to 5,000 yuan depending on the vehicle's price bracket [14]. - The application process for these subsidies requires specific documentation, including valid identification and purchase contracts within the designated time frame [15][18]. Vehicle Replacement and Scrapping Subsidies - The vehicle replacement subsidy program runs from January 1, 2025, to December 31, 2025, providing one-time subsidies for consumers who scrap their old vehicles and purchase new energy or compliant fuel vehicles [21][24]. - The subsidy amounts are set at 20,000 yuan for scrapping eligible old vehicles and purchasing new energy vehicles, and 15,000 yuan for compliant fuel vehicles [25]. - Consumers can only choose one type of subsidy (either replacement or scrapping) within a calendar year [24].