中国财政部、央行和金融监管总局联合发布通知，自10月1日起实施居民购房贷款贴息政策，政策实施期暂定1年 1。该政策针对购买首套住房的居民家庭，对符合条件的新发放商业性个人住房贷款提供利息补贴 1。
根据政策规定，购房者的住房建筑面积不超过120平方米、房价不超过150万元人民币方可申请 1。贴息支持的贷款规模上限为100万元，贴息幅度为年化1个百分点，贴息期限最长5年 1。按此计算，100万元贷款最多可帮助借款人累计减少付息近5万元，相当于利率优惠约1/3 1。
China's Ministry of Finance, central bank, and financial regulator have jointly announced a new subsidy program for first-time homebuyers that takes effect on October 1 1. The initiative, set to run for one year, provides interest rate support for eligible residents purchasing primary residences 1.
The program targets homebuyers whose properties meet specific criteria: maximum floor area of 120 square meters and a maximum property price of 1.5 million yuan 1. Qualifying borrowers can receive subsidies on up to 1 million yuan of newly issued commercial mortgages, with an annual subsidy rate of 1 percentage point 1. The subsidy period extends for up to five years 1. This subsidy translates to approximately one-third reduction in interest rates, allowing borrowers with 1 million yuan mortgages to save close to 50,000 yuan in cumulative interest payments 1.
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