中国国家层面首次推出居民购房贷款贴息政策1。该政策自2026年10月1日起实施，实施期限暂定1年1。符合条件的首套房购房者可享受年化1个百分点的贴息，贷款额度最高100万元、贴息期限最长5年1。以100万元贷款、30年期、3.05%利率计算，5个年度补贴合计约4.6万元1，最高可节省利息近5万元1。
政策适用范围有明确限制1。所购住房建筑面积不超过120平方米，价格不超过150万元1。购房人在银行签订贷款合同时授权即可自动享受，由银行在还款时直接扣减贴息金额，银行不收取任何费用，不会委托第三方机构代为办理1。贴息资金由中央财政承担90%、地方财政承担10%1。
工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行等六大国有银行已发公告推进相关工作1。
China has introduced its first national-level mortgage interest subsidy policy for homebuyers, effective October 1, 2026, with an initial implementation period set for one year 1. The program targets first-time homebuyers purchasing residential properties meeting specific criteria, offering substantial financial relief on mortgage payments.
Eligible borrowers can receive an annual interest rate subsidy of one percentage point on loans up to 1 million yuan, with a maximum subsidy duration of five years 1. Properties must have a building area not exceeding 120 square meters and a price not surpassing 1.5 million yuan 1. According to calculations by Wu Jing, director of Tsinghua University's Real Estate Research Center, a borrower with a 1 million yuan loan at a 3.05% interest rate over 30 years would receive cumulative subsidies of approximately 46,000 yuan across five years 1. For a standard 1 million yuan loan over a 30-year term, the policy could reduce total interest expenses by nearly 50,000 yuan 1.
The subsidy mechanism operates through automatic authorization at the time of loan signing, with banks directly deducting the subsidized amount from borrowers' repayments at no additional cost 1. The central government finances 90% of the subsidy funds, while local governments cover the remaining 10% 1. Six major state-owned banks—Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China—have already issued announcements to advance implementation 1. Banks will not charge any fees and will not engage third-party institutions to handle the program 1.
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