财政部、中国人民银行、金融监管总局联合发布通知，宣布自明日起在全国范围内实施居民购房贷款贴息政策1。这是中央财政首次对商业性个人住房贷款进行贴息1。
政策的适用条件为：使用新发放商业性个人住房贷款购买首套住房，且建筑面积不超过120平方米、房价不超过150万元1。符合条件的购房者将获得年化1个百分点、期限不超过5年、单户贷款规模上限100万元的贴息支持1。按100万元贷款、年利率3%计算，贴息相当于优惠利率三分之一，月供可减少800元至900元1。
购房人在银行签订贷款合同时同步授权银行代为办理，银行将自动识别符合条件的借款人并扣减贴息金额1。该政策暂定实施期为1年1。
The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Commission have announced a new interest subsidy policy for residential mortgage loans, effective nationwide starting tomorrow, with an initial implementation period of one year 1. This marks the first time the central government has provided direct interest subsidies on commercial individual housing loans 1.
Eligible homebuyers must meet three criteria: purchasing a first home using a newly issued commercial mortgage, with a building area not exceeding 120 square meters and a property price capped at 1.5 million yuan 1. Qualifying borrowers will receive an annual subsidy of 1 percentage point on their mortgage interest, with a maximum subsidy period of 5 years and a loan amount limit of 1 million yuan per household 1. Based on a 1 million yuan mortgage at 3% annual interest, this subsidy translates to monthly savings of 800 to 900 yuan, effectively reducing the interest rate by roughly one-third 1.
The application process is streamlined for borrowers. At the time of signing the loan contract with a bank, homebuyers authorize the lender to handle subsidy application procedures automatically 1. Banks will identify eligible borrowers and deduct the subsidy amount directly from their monthly payments 1.
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